Sending Mr D’s credit card letters to me is a Capital offence...

Mrs L.D. writes: I have lived in a rented property since last year. In April I started receiving letters from credit card company Capital One addressed to a man though a woman lived in the property before me. I sent the letters back, saying the man was not known at my address, but I still received them so I read one and found the man has defaulted on card payments and owes £92. I am retired and live alone and I do not want someone knocking on my door looking for a debtor. YOU have the same initial as the debtor, a Mr D, but not the same name. When you told Capital One you had never heard of Mr D, you received an odd reply from one of its staff. The reply said: ‘Please note that I have removed the address and you will no longer receive any mail going forward.

‘However, due to regulatory reasons, we must send certain letters to a customer’s last-known address and you may receive correspondence for Mr D.’

So you will not receive any mail – but may receive correspondence. This was just silly so I did the obvious thing and traced Mr D. I then contacted Capital One. The card company told me: ‘We apologise to Mrs D for the inconvenience this has caused and will ensure she does not receive any further communication from us about this customer.’

But the fact is that Mr D did use your address, either wrongly or with the consent of the previous owner.

Capital One has now contacted him at his real address so that should be the end of the matter.