yes it is ive spoken to the CCBC bailiff and he has put it on hold for me until this is all worked out - he was actually quite understanding about it

no family members, i live on an estate with 124 other properties. its possible that it could have been a neighbor cause stuff from post end up all over the place on my estate, i had it once where royal mail had said it was delivered to my address but it was delivered to an address 50 meters down the road with the same house number as me.

i haven't moved house which is the strangest thing all ive got is a few letters from lowell and capquest telling me i owe them money - of course i took no notice of the letters as i do not have any debt . i recently checked my credit file for the first time since i was 18 - i'm now 24 and this is the first ive heard of any debt on my file. I've apparently taken out about £3000 worth of pay day loans which is a matter i will have to address separately. I spoke to the money advice service who told me that i should contact Shop Direct to get them to pay for the CCJ's to be removed as this is all their wrong doing anyway - not sure how much of a chance i have of them paying as they just shrugged off that it was even fraud. Its been a few years now and ive not had a knock at the door, my concern is that if i start to go down the route of calling up debt collectors they will start to knock at the door. Also my concern is no being able to prove the accounts are fraud, shop direct told me that the item were delivered to my home and payments were made on the account. i will send the SAR and see what they come up with. i forgot to mention Crapquest sent me through from the County Court Business Center some kind of earning sheet threatening me that if i do not send it back they will find my employer and take the debt straight from my wages. Would it help to contact the CCBC and give them the crime reference number i have which is pretty much saying this is fraud do not action this? Thanks

Hi, New here and any help will be appreciated! i've recently discovered that Shop Direct have taken out 2 CCJ's against me for an account that i never owned. One of the CCJ's even has the wrong DOB on it - crazy to think the court never picked this up! i need to know what actions i can take to get rid of these CCJ's - ive just got off the phone with Shop Direct who say they will not treat the accounts as fraud as the items were supposedly delivered to my house and a few payments were made. I had never even heard of Shop Direct until a couple of weeks ago and certainly never had any goods off them or paid them anything! First CCJ: Recovery Agent - Lowell Amount - £2976 Account Start Date - not know as its not on my credit file however on the phone i was told it was in 2008 CCJ Date - 12/08/14 Second CCJ: Recovery Agent - Capquest Investments Amount - £1038 Account Start Date - 13/05/2008 CCJ Date - 11/09/14 Has wrong DOB on it What i need help with is the best course of action now as ive heard by filling in a Subject Access Request Form and requesting the information held on me, this means i am admitting the debt and can open up a can of worms. ive reported the fraud to the police but Shop Direct were not interested in that when i told them. i dont want to call up the debt collection companies as again they are extremely unhelpful and unless i know exactly what to tell them that will open up a can of worms too. Thanks