Ah okay, I didnt realise so thanks for that! What should my next course of action be? Would it be a letter to ML outlining that I have been a victim of impersonisation?

ML have now sent me over 3 documents, a statement of account from a company called lantern which states the period is from 22/07/2016 to the 15/06/2020, a dated NOA that looks to me as though it has just been freshly typed on Microsoft word and doesnt contain any address details dated 12/12/2013 and finally a CCA dated 04/09/2013. Not really much clue to as who it was obtained by as its pretty much seems to be a standard online loan CCA with digital signature. Also in the email they have stated: "Our client has also confirmed details of the bank account into which the original loan of £150.00 was paid (Ulster Bank Account No: ****5555)." This sets off alarm bells aswell as I have never even heard of Ulster bank let alone used them! Sounds like its a bank based in Northern Ireland to me. They have also signed off the email by saying As you are aware, a Judgment was issued against you on 08/08/2018 and you have been ordered to pay £25.00 per month by the court. We would be grateful therefore if you would contact us on 0203 126 4544 in order to discuss your payment proposals. We look forward to hearing from you." Any advice on what to do next?

Im awaiting a letter from nationwide at the moment about it all, i requested it last week so hoping it should arrive on my doorstep any day now.

I have managed to gain access to a very old email address which has thrown up a number of different things I'm hoping i can use to prove where I was living. So far I have a copies of these things that show my name and the address I was living at (mothers). I have - a copy of a HMRC self assessment statement dated October 2012 and a proof of no claims bonus dated 17th December 2013. Im also fairly sure I claimed jobseekers allowance around this time period but unfortuantely i dont think i can gain any proof of this - cant find how far back DWP hold this information for. Any more advice for things to try and attain to help me with this?

Brilliant, Im also in the process of getting information from HMRC as i was registered self employed at that time and was registered at my moms address too, trying to think of any other bills i may have had from that period too

May have jumped the gun slightly on that, I have realised since my original post that I was at my mothers address from 2012 to mid 2014 so I wont be able to get any proof from council tax, I am awaiting a call back from the local housing authority to see if they can provide proof about when my name was removed from my tenancy aggrement with them.

UPDATE: I have just spoken with Moriarity Law who said the entry of MS was just a type - fair one. I have also asked them for all information relating to the account, they conveniently didnt have access to any of the information held for the account, they have informed me they have referred it back to the original creditor to gain more information such as credit agreeements, etc. I have also spoken with the original creditor - Mr Lender about this account. They have categorically stated I do not nor never had have had a loan account with them! Now, im not sure if this would be because the original account was taken out in 2013 so would no longer be showing on their systems but it has still added yet more confusion to this CCJ saga! Am now just awaiting all information in relation to this account to be sent to myself.

Awesome, thanks for the adivce! Ive also just remembered that my address history with the DVLA should also reflect this! I will post back when I have this information! Thanks again for the help

Only through the information the electoral register could I prove I was living elsewhere at this time I think, I was living in a council house in 2013 so could potentially contact them to see if they still have evidence that proves when my tenancy was held with them

Good evening, I have recently checked my credit report due to finally being settled after years of on and off homelessness and wanting to see where my finances are at and wanting to move forward with my life. I discovered a CCJ on my file for £353, which was entered on the 8th August 2018. I contacted Northampton Court about this as on the register it appears assigned to a MS which immediately set alarm bells ringing as I am MR . They informed me the judgement was from a solicitors firm called Moriarity Law who had purchased the debt from Motormile Finance who had bought it from the original company PDL Finance who were trading as Mr Lender. The person i spoke to on the phone from Northampton Court then told me he could email me across the judgment information which he did. It states: Now, I dont recall ever having had a payday loan from this company, infact the only time i have ever had a payday loan was from a company called QuickQuid which was repaid and i swore never to use one of these companies again. I must mention at this point that I have been a victim of impersonisation in the form of a current account and overdraft being opened online in my name. I discovered this at the same time as the CCJ but the bank in question (Nationwide) were brilliant and immediately launched a full investigation which concluded that the account had indeed been fraudulently opened in my name and have closed the account and informed the relevant CRA of this in order for it to be removed form my file. I am concerned this payday loan may be linked to this as I have never even heard of this company I have supposedly had an agreement with. What is my best course of action? I would like this information struck from my credit file as had i received the court forms (they were sent to an address I had been temporarily living at whilst homeless but had left 9 months prior to the judgement date and was living elsewhere and registered on the electoral roll form the March before the judgement) I am at my wits end in regards to this as I have no idea what to do about it and am highly concerned that either bailiffs will turn up at my home or that they will get an attachment of earnings or similar. I have not contacted Moriarity Law about this and am unsure if i should? Any advice would be greatly appreciated, sorry for the rambling and somewhat chaotic situation!

Thank you for the quick replies! I feared that it might be difficult to do anything, I have decided that for now and in light of the advice you have given that short term I may pay my partners overdraft to stop any further charges incurring and take it from there. I will be writing a complaint to the bank and will be contacting the FOS as advised. With regards to the police requesting the CCTV they are doing so tomorrow I believe, however when we made a complaint to the police they didnt seem particularly interested and went as far to (without actually doing so) acuse my partner of being mistaken. Not holding out much hope they will actually get the CCTV and even if they do so they have already told us that we wont be allowed to view the footage so unsure how they would identify the lowlife thats done this.

Posting on behalf of my partner who has experienced an issue with unauthorised transactions on her HSBC current account. Between the 10th November and the 13th several transactions were made at a local coop supermarket to buy goods and get cashback as well as one ATM withdrawal of £130. Upon discovering the transactions had been made my partner immediately contacted HSBC and reported the card as stolen and went through their fraud process aswell as reporting the theft to both Action Fraud and our local police. Now, I was under the impression that the FCA guidelines stated that HSBC should refund the transactions my partner has raised yet they refused to do so "pending an investigation" Also as these transactions pushed her into an unauthorised overdraft she is STILL being charged a daily fee which HSBC refuse to freeze. Yesterday my partner received a phone call from the HSBC fraud department stating the case was closed and they were finding her liable as the card was present at the time of these transactions and her correct pin had been used. I fail to see how this can be the case as at the time of these transactions we were hundreds of miles away from where they were carried out and my partner can prove this as she made a payment using apple pay in a store 300 miles away around the same time that there was an ATM withdrawal! I have spoken to the bank on her behalf this morning as she is a vulnerable adult with learning difficulties to be told that all HSBC can do now is lodge an appeal against the fraud teams decision which can take anything between 6 & 8 weeks. What is my best course of action to at least get the overdraft fees waived or frozen as I have now given up the hope the bank would have a soul and realise this is a genuine case of fraud against a woman who is suffering serious mental anguish aswell as financial hardship due to their frankly callous and uncaring attitude. Any help appreciated, thanks in advance!