Ex using my address for a loan

My ex is still jointly owns my house but it will be solely in my name in a matter of weeks.

He hasn't lived here for 18 months

I received a letter address to him at my address for him to be a guarantor for a loan for a friend

Can he do this?

All his bank details etc go to his mums address where he actually lives!

Is he proposing using your/his dwelling as collateral? If so speak to a solicitor, as I doubt this is very wise. Otherwise if it is his personal wealth that is at stake it is up to him.

If you haven't opened it, I'd write "Does not live here any more. Forward to XYZ address" and put it right back in the mailbox. And then call him to find out what the deal is.

I opened it as I'm the only person mail should come to

All his details are correct but put his old address for some reason. He doesn't live here I'm so angry!

I'm wondering if he gave his driving licence as proof of ID and still has his old address on that.

Can I contact DVLA and tell them his address is incorrect?

It's says
Guarantor address
MY ADDRESS

is this fraud?
Is there anything further I can do?

In the US, it's a crime to "tamper" with other people's mail, that's why I suggested putting it back in the mail to be forwarded to his new address.

Sorry I can't help with your situation; I'm unfamiliar with your laws and regulations, etc.

I agree that in the US opening other people's mail is against the law. If name on it isn't yours, do not open it.

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I would call the bank that issued the letter and explain it to the loan officer handling it. There won't be any legal repercussions against you for opening the letter, just say you didn't even notice it was in his name because it came to your house and you opened it quickly and then were surprised to see...

If he's trying to pull a fast one, he's the one causing trouble.

get on the phone with the loan officer and let them know who you are, that the address provided is incorrect. i hope he did not use his interest in the house as collateral.

he may have used your address to show he's a property owner and increase his creditworthiness to qualify as a guarantor and probably dodnt tell you on his rationale that technically he's still on title. not a respectful move on his part. you should cover your bases, its not your responsibility to aid him in whatever he's doing. call the bank and get your adress out of this potential mess.

If it says Guarantor address on the envelope? no, it's not illegal to open. If it's in his name, yes.

However, since you already opened the letter, is your name or social anywhere on that paper indicating that he used you as a co-signer? If so, you have every right to be involved. Call the bank immediately and tell them this is fraud.

If not...then you can still call the bank and tell them that you found out your ex is using your property as collateral. You have EVERY right to do this without telling them how you found out.

Good luck!