Thanks for the replies and help. yes, using my phone for this my laptop decided it was a great time to give up this week! No, not recording calls but I will start as I can see if something is said by one of these institutions I may be able to Use it. It's so very frustrating and wrong that a bank and companies can damage you in this way and theb burden you with all this fallout when it's not your fault and potentially leaving you with a damaged financial history for years to come and simply walk away as if they have done nothing wrong. Thanks again

Thanks for the advice so far. The name concerned with the defaults and apparent Alias has my first name, my date or birth, my old address that I moved from almost 12 years ago, but uses my mums maiden name. it's got to be fraudulent, which is why I reported it straight away. The debt collection agency that holds the default for the credit card just told me to ring Experian and ask for the names to be disassociated as it's a different name ( Experian say they can't do that) As for t-mobile the information they sent back to Experian say they have looked at the account and deemed it NOT to be fraudulent. Again, they haven't had how they have decided that considering the account was opened at my old address 6 years after I moved

Hi, I have an issue with Barclays that I'm struggling to resolve. I applied to Barclays at the start of Feb for a new remortgage on my property. The application was completed and submitted with the supporting docs to the underwriters. I received an email a week later from the mortgage advisor stating that the fraud team had declined my mortgage based on defaulted accounts on my credit file. I was shocked at this as I haven't had any! I immediately checked my Experian report to see what they were on about. To my surprise there were two defaults. One for a credit card and one for a phone account. These were in a similar name to mine that consisted of the same DOB, first name and old address. I rang Experian to query this information. They have said that the reasons the defaults are there is because Barclays 'confirmed' the alias to be me and that has pulled through the defaults to my file. The problem I have is that the two accounts were opened at my old address which moved out of in 2005 and the accounts were opened in 2011 & 2012. I have complained to Barclays, but the response I had back from the fraud team was, i need to prove they are not mine and I didnt open the accounts. I've reported it the police and got a crime number, reported it to the credit agency, signed up to CIFAS, and queried it with the companies themselves. Barclays still say that isn't enough. They say they have followed procedures correctly. I don't see how they have if they have created an alias link on my file purely based on and assumption and without taking into account the fact I hadn't lived at that address for 6 years when the first account was started. My question is, what can I do? so far they have refused to take any action or engage with me on this, just saying I have to prove it. is there any legal way I can force them to break this link with the alias? Because of this Ali's they believe is me, it has dropped by credit score from excellent to poor and now I can't get a mortgage at all. Thanks

Hi, The first policy was cancelled by Tesco as there was a problem with it and Tesco made a new policy over the phone. I pretty sure that the advisor didnt ask me about claims when setting it up. I didnt check the documents that came though on an email, i suppose wrongly due to having a lot going on at work and sorting the holiday out it slipped my mind. The letter AXA have send me regarding the non disclosure relates (according to the policy number the letter) to the 1st policy with Tesco that was cancelled and prior to the the new one being set up. Previous insurer for the claims was M&S. They didnt refuse renwel, only an increase in premium.

Hi All, I need a bit of help with this as its quite complicated. I took out a home insurence policy with Tesco on thier standard cover on the 17th Dec 2012. i added on £14,000 for unspecified items cover away from the home. A month later i relised that i had made a mistake when reading the small print it stated that this was a total claim limit and wouldnt cover what i wanted. I rang Tesco and explained the situation. The advisor told me the best thing to do would be to cancel the current policy and start a new one where i could specify the item i wanted covered. She did this and changed the policy to thier 'Finest' as this was the only policy with a high enough limit. Unfortunatley whilst i was on holiday i lost the said item (watch). I did all the right things like inform the police, inform the ferry operator and then submit the claim to the claims line. I now have had a letter from AXA's technical underwriter stating that i didnt disclose the 4 previous claims( 2 x accidental damage, 1 x loss, 1 x theft) and had they had known they wouldnt have accepted the policy. They want an explantion as to why i didnt disclose this information and that they could void the policy from inception and remove all benefits. Now the issue i have is, the first policy was cancelled. A brand new policy was set up by the Tesco advisor. As far as i am aware she did not ask any questions relating to prior claims. As far as i am concerned the material non-disclosure was inadvertent due to the error on the part of the advisor. where do i stand in respect of the policy with AXA? any help would be great. Thanks