Hi, I'm posting to see if anyone can give me any advice regarding payday loans which were taken out by my former boyfriend to cover his gambling debts. I didn't know at the time but we were living together and had been together for over ten years, I completely trusted him and he knew my bank details and pin code (foolish of me, I know!). He took a number of payday loans out in my name including from wonga and payday express. After finding out we split up but, as he was already going through some difficulty, I didn't report it as fraud or anything I was just planning to repay it and he would then repay it back to me. Anyways, I wasn't able to repay it and payday express or wonga, I'm not sure which one issued a default on my credit file on the 13th November 2013. I'm now really struggling to get a mortgage because of this and was wondering if I could go about getting this removed somehow. Also, I have no idea how my ex was able to get this loan in my name as, at the time, I wasn't working (stay at home mum) and was receiving £20 child benefit and £30 child tax credit per week! Both loans where around £200 each. I don't recall getting any correspondence from wonga except for the initial letters from them and the same with payday express. My credit report on noodle is showing the default was made by Portfolio Recovery Associates UK Ltd and also one from Arvato Financial Solutions Ltd. Any advice as to how to go about getting these removed from my credit file would be much appreciated xx