Hello all, To cut a long story short back in 2011 I entered a competition that ended up being false and a way of the organisers to take my details and hack into my account - set up loans etc in my name It has taken until last week to get anywhere and despite much stress and banging my head against a brick wall I have finally done this The bank concerned initially refused my claim that it had happened as they said that my other half had access to the online banking so could not rule out it was her. I had money leave the account from both the hackers themselves and from payments for payday loans and other loans that I had not set up It has come to a head as now after reporting to Action Fraud in December they have traced it to a known fraud that they are aware of and are currently in the process of doing charter applications in relation to this. As a result of this the bank has agreed to returning the money taken from the account - about £30,000 and we are in discussions regarding compensation Now here is where the issue is, I have a number of people that I now owe money to - some because I was unable to pay them due to this happening - some additional since then ( money off people I know ) and a third which is the ones that have been set up by the people who hacked it Now this was all going fine and I have put in a request for my credit file to see if I have got anymore that I am unaware of that have come on since - I am hoping not The issue I am having is that I am not able to pay off the debts that are legitimate to me but two of the payday loan companies are currently refusing to play ball and accept I did not set it up - I have asked for it to be wiped and any payments made refunded. One of the companies has started court proceedings for which I have the 28 days to argue it. So my questions are these 1- Do I pay off the debts I have currently or do I wait until the Payday loan companies have stopped any action? I do not want to pay everyone off only to find I then get a big court award that I cannot pay 2- Am I able to rectify my credit file now and state on there that this was not through fault of myself and how do I go about doing this 3- Is there any letters I should be writing to the creditors to allow me the time to sort through everything so I can then start paying people/ compaines off 4- Am I able to claim back any charges I have had from legitimate debts that I have been unable to pay due to what happened Many thanks very much appreciated Tom

Hiya, Thanks for the replies. I have cancelled my card and am going to put something in writing to them tonight, any idea what I should put? They asked for card payment to be made there - there dads company - because they do not have the facility themselves but had no idea there may be any form of money laundering laws with it! - did not even cross my mind

Hiya, bit more advice needed. I spoke with them and they had not escalated and wanted me to pay them ( via there dads company by card ) I gave my card details to them in letter authorising payment for Monday in full. However, they have emailed me today to say they are going to try and take £2000 today ( which I have not authorised them to do ) Are they allowed to do that? Also now that they are saying they are going to I am worried about them having my card details, am I legally able to say to them not to take the card payment now as they have proved to be reckless with my details and to pay via bankers draft instead? How would I word this? I feel stupid now giving my card details but wanted this sorted Will probs go to bank in a minute and cancel card

thanks again, how do I got about getting a variation order? - Have never heard of one before, I am off tomorrow is it something I can do in a day?

Oh okay then, thats not good, Is there noway I can find out if this is the case or just a threat thats been made to me?

Brilliant, thanks again, is that the same if they have appointed High Court Baliffs? Have never received anything like a warrant of execution

Many thanks I will get that sent out tonight, Is there a way of finding out if baliffs have been appointed? or do I just have to wait and see if someone turns up? If I pop into the court would they be able to tell me?

Hiya, Bit of advice needed, I have a CCJ against me for £5000 that is currently outstanding. Originally I was hoping to have this paid by the end of Feb - awaiting for a compensation payment to come in which would cover it - but that has come in late so looking like the end of April would be the earliest. There are two things I need advise on - Firstly is there an official form I need to fill in to propose the above repayment Secondly- Its a strange one but the debt is a personal money owed to someone, I have requested a number of times in writing but they keep sending emails/ calling my dad regarding this saying it needs sorting today or baliffs are coming to visit me etc, are they allowed to do this? It has nothing at all to do with my dad Many thanks for any help given