Check your record

There are three credit reference agencies -Equifax, Experian and CallCredit - which hold information on you.
You have the right to see your record and put a notice of correction on your file against any inaccurate information. And notify the lender to get inaccuracies removed because other lenders will work on the basis you are guilty until proved innocent.
You can also put a note on your file stating you have no financial connection with someone else with a poor credit record who is linked to your address. Don't be scared by the threat of bailiffs. Money adviser John Kruse of Citizens Advice says: 'In most cases, bailiffs cannot come to your home until there has been a county court claim upheld against you.
'In reality, companies rarely go that far. Threats of legal action and bailiffs are just scare tactics.'

http://www.thisismoney.co.uk/credit-and-loans/article.html?in_article_id=425184&in_page_id=9