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Background... A couple of years ago I had a few letters from a car insurance company sent to my house (correct address, not my name). At first I ignored them but they kept coming so I eventually called the insurance company and got it all sorted. I assumed this was the end of it.
However today I have received car registration documents from DVLA - again the correct address / postcode but the wrong name (the same name as the original letters BTW). Brand new vehicle, first registration.
So what should I do - it's a concern that the same person is still using my address and it clearly wasn't a simple accident as this is the second time and who makes mistakes (or would want to) when registering a brand new £30k car?
I cannot find anything on the DVLA site about such a scenario and I am concerned this is a deliberate act which could put me at risk (ie, speeding fines etc).
I could simply 'return to sender' but I would rather do something that permanently records the fact that this particular person does not live at (nor has ever lived at) my address. The only other occupiers of the property are both long-since dead and this person does not share a surname with them eother.
They're not in your name so you won't be getting any tickets!
Worst case is a Police visit if they follow up a crime committed in the car.
Just tell DVLA.
Spoken to the police - car registered to Harrogate but insured to an address in London. They have reported it to Action Fraud.
The only other occupiers of the property are both long-since dead
Brand new car? Curve ball approach of contacting the manufacturers finance company. If it's on finance then that probably contravenes the T&Cs and even if it doesn't they may not be impressed. They may not give you details but does not mean they can't or won't act.
This sounds like the perfect opportunity to take out a Logbook Loan. 🙂
car registered to Harrogate but insured to an address in London
Might be something benign like the owner has appaling handwriting and Harrogate has become Harrow (e.g no.56 HG1 1AA has become no.56 HA1 1AA and the computer filled in the rest of the address).
As fraud goes it would be a bit rubbish as they'd need to contact the DVLA again to get a new V5 in order to sell it, at which point presumably the DVLA would just send them a big stack of parking tickets, NIP's and a fine for not registering it correctly.
I don’t think it’s bad handwriting - as I mentioned at the beginning, it’s the second time the same person has used my address (first car insurance now this).
The police said it’s common for people to use false addresses for insurance (to get premiums down) as happened in the original incident a couple of years ago, but were a bit stumped as to why the same person would actually register a car to the same false address.
Unless they have created an entirely false identity, scammed the finance company and the next job is to put the car into a container and ship it quietly abroad.
Well the police now have the vehicle make, model, reg. number and colour so hopefully any fraud / theft will be stopped.
It might be worth checking any credit/identity checks registered against your address.
Well the police now have the vehicle make, model, reg. number and colour so hopefully any fraud / theft will be stopped.
The assumption being that they'd keep the original plates on a 'hot' motor?
I'll see your registration docs and raise you an HMRC settlement offer.
Covering letter addressed to me settlement letter for someone else!
Insurance to an address in London is unlikely to be cheaper than in Harrogate though?
declare SORN on it !
I would get documents (insurance) sent to my mum's address - not long after she moved out, which is a bit suspicious in itself (change of address, unlikely to notice). Phoned insurance co and it was all sorted -- was def. a non local name, so the insurance premium thing was likely.
I think I did get a new logbook sent there too, but tuned out to be the guy down the road (who I didn't know) and a slip of the pen in form, nothing to see there).
Insurance to an address in London is unlikely to be cheaper than in Harrogate though?
I agree and that isn’t what I am saying has happened here - the police simply said that kind of fraud is commonplace, but what has happened to me is much more unusual.