previous occupier/debt collection

I may not have the right page for you to help me but, i am worried that my credit reference and home is at risk. I moved in to this property 04/06/03 since then i have had nothing but letters from companys demanding money for arrears, also i had a debt collector at my door wanting to take my posessions!All of which are addressed to previous owner. Just let me know if this affects my credit ref and my home as i have been told that checks are based on your address. yours faithfully T Talbot.

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