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  1. Hi, I have recently turned 18 and have tried opening a bank account however I was declined. I was told in the branch to check my credit report at Experian and Equifax. I have been able to check Equifax and have discovered there are 5 defaults from different companies. All these defaults are from quite some time ago and show the wrong date of births. I have disputed these defaults with the Equifax but they have come back and said the companies have said the information is accurate and they cannot change it. The companies that the defaults are from Lowell, Tesco,
  2. Hi hope you can help I have just received a response to a sb letter I sent to PRA Group in Nov 2018. Should I be getting the following correspondence from them? They have replied with a letter dated 10 days after my sb letter to them as follows: My current address Dear xxxxx Reference : xxxx I write with regards to your recent correspondence regarding the above referenced account. Unfortunately we are unable to fulfil your request as we have not yet completed the required security checks in order to verify your identity The information we require i
  3. Hello BWlegal has sent a letter dated 14th August 2017 requesting a final payment from me. I see that the debt they refer to is a closed account on my credit file and the last record on the credit file was from T/A Payday Express, (and recorded by them) showing as 'satisfied ' default assigned in January 2017. I have not paid any monies toward the debt which had a default registered from 2013 until January 2017. There have been no default notices recorded after January 2017. I have letters from Payday Express and Prac dated April 2017 saying the debt was assigned in
  4. I was in a relationship with a man who was both physically and emotionally abusive. He had used my bank account to commit fraud and HSBC held me liable for the debt from the fraud which is £9,566. I managed to find another place to move to and made sure I was virtually untraceable on social media and the internet. I never told the police about the abuse at the time for fear of him being arrested then released and onto me. However I did report the fraud to the police through Action Fraud and they replied a few months later saying that they cannot follow up on it as there is not en
  5. Disclosure and Barring Service New identity checking guidelines READ MORE HERE: https://www.gov.uk/government/news/new-identity-checking-guidelines
  6. Hi Guys i had a default on my credit report for £455 from shop direct which was opened in 2013 i would have been 17 at the time so there was no way i could even obtain credit. I have sent my passport details in to shop direct for proof and they have taken the default off my account my only problem is now my credit score is 208 which is very poor the only two things i have on my credit report are my phone contract and my credit card. I pay these every month and on time my credit card is paid off as i only had a £200 limit capital one offered to up my limit bu
  7. Good Morning everyone, My situation is quite complex so please bear with me and any help and uggestions would be greatly appreciated, i will start with a brief statement as to how this all started 15 years ago and then onto the problems i am now facing. In 2003 i applied to remortgage and take equity from my home, i was turned down, i checked my credit reports to see that i had several defaults and a CCJ from Barclays on my acc, after a few years i managed to get all of this sorted with apology letters from Barclays. In 2013 i was again chased for debts that did not belong
  8. Hi, I was a victim of identity fraud in around June 2012. "Someone at the time took out loans in my name with quick quid and lending stream". It was a lot of hassle at the time ( I went through the police action fraud, recived a crime number and after a month or so I signed a couple of letters from both companies and the matter was cleaned up. I also opted at that time to put extra restrictions on anyone else trying to fraudulently take out any more loans in my name. "Let me just say that I have never ever applied or taken out any loan in my life other that a mortgage for ou
  9. Hi guys, I need some urgent advice, i just received three letters from Marston company asking me to pay three parking fines or they going to send a bailiff to take over all my belongings by 31st Jan 18. My driving details have been stolen in early march 2017 i been informed by DVLA in June, that someone used my details to get the new licence but after providing some security details they issued me new licence. When i asked if they found out who is the culprit then they told me that matter is with west Yorkshire police and i dont have to do anything. After that i
  10. Hi there, hope someone out there can help. About 6 months ago I received a letter at my current address, which is a property I have owned and lived in for 2 and a half years, chasing payment for a parking ticket for a car that I do not own. The car is and was owned by my brother who lived with me briefly at my old property, which I sold 2.5 years ago. I contacted the company and explained that the car was not mine and explained the situation. My brother and I have the same initial and surname. Today, I checked my credit file and saw that a CCJ has been issued to me for £275
  11. Hi Everyone, I am seeking legal help or guidance here as I am at my wits end with any Ombudsman, Sky and CIFAS. Over a year ago I applied for a Santander personal account as I had an existing business account with them, to my surprise they turned me down so I contacted them and they could not provide me with the exact reason why. I was also contacted by Santander who then stated that they had to remove my name from our Ltd company bank account. I dug into this and eventually the bank manager found out that a fraud mark had been registered against me and that was against they're
  12. This is a new one. Send Letter of Caim to defendant. All sorts of details in the Letter of Claim.... Defendant's response is to demand that I attend their London headquarters, at my own expense, to prove my identity. I have never encountered such a response ever. They demand I bring passport, utility bills, etc... because I wouldn't want to be a victim of identity theft (!) They then conflate this with ADR saying that as I have agreed to ADR I should do this, even though it isn't ADR. Oh and to top it all off, they ask for my bank details already even though I haven't co
  13. Hi all, I have been a member of the site for many years, and was given great info about reclaiming bank charges years ago, thanks for that. However, my problem is now with Welcome. After scouring the Welcome forum for months I decided to go for the PPI on the loans I had with them, and through the info from this site I managed to get back a good bit of cash, again thanks, but Welcome used the refund to pay off an outstanding balance on my last loan, which I thought had been paid off, since found out why it is still open, but that's another story. However, after returnin
  14. Dear all, I have found these forums an excellent resource and would like to thank all the contributors! I hope I am posting in the right subsection of the forum. I have posted back in Feb 2012 when Halifax registered defaults. I complained to the FOS. The outcome was an apology, £500 in compensation, about £250 in costs and about £2000 to accout for the additional cost a higher mortgage rate over 2 years. I as satisfied with this and moved on. However problems have continued but with other companies piggybacking on the link Halifax/NatWest created. Most I have dealt by writing s
  15. Hi, I'm hoping someone can offer me some advice. A few years ago I was the victim of identity theft. I was made aware of this and checked my credit report, someone had applied for several credit cards in my name at a previous address. This had left several defaults on my credit I made contact with these companies through Experian and all these companies confirmed i had been the victim of identity theft and cleared theses defaults from my credit report. I also as advised reported this fraud to the police via action fraud. One of these companies was barclayc
  16. Morning! received a letter from m&s insurance svs stating i was involved in an incident on 1/11/16 and are charging me an extra £41. I rang m&s and we both agreed it was mistaken identity and i wouldnt be charged on the 6th of december..instead the sneaked it out on the 28th of december and a black mark on my no claims. The alleged incident happened 200 miles away while i was at work and my car parked..they dont seemed to be listening to me.so as i have used this forum in the past and good results im interested in any of your thoughts on how i should proceed further..obviousely t
  17. I hope I'm posting this in the right place, it involves quite a few different debt related topics so this seemed as relevant as anything! I've recently split up from my husband and I'm looking to divorce him shortly, in the process of splitting up I've needed to apply for credit for the first time in years and it's become apparent that I've got a poor credit rating as a result of a number of payday loans that have been taken out over the past few years, and a credit card that I paid off years ago and haven't used since is also showing an active balance. I had no idea ab
  18. Yesterday, I got a phone call from the ATOS assessment center in Weston S Mare, both on my landline and my mobile number, as I was attending a hospital appointment my son answered the home phone and the lady refused to identify herself or leave a message. When they called the mobile number the caller display showed it to be Adams Childrens Ware (a clothing shop now long gone), I was a little creeped out when I phoned the number only to find that it was ATOS calling to confirm that I would be attending my interrogation on Monday. Is it me or am I being paranoid that they are trying
  19. Today I received a court summons for failing to identify the driver from a speeding ticket I received at work in last august. The problem is, at the time I was technically homeless (sleeping on friends/family's sofas) but using my dad's address so missed the first letters. Then I found a room to rent last September, changed the address on my driving licence and receive the letter, which I filled in and sent off just before Christmas so I thought it was done. Now I have a court summons for failing to identify the driver. Twice I have admitted I was the dri
  20. Hi, I have recently left an honest low-scoring review on TripAdvisor, to which the restaurant responded by providing the exact location of my work, along with my job title. As I am the only person with this job, I can easily be identified. I flagged the restaurant's response for this reason and it was deleted. However, the restaurant immediately re-posted and, as TripAdvisor approve anything and everything, they have allowed it on to the site once more. Are the restaurant legally allowed to reveal my personal information, which I have not given them permission to provide, online
  21. Child Identity Theft – How Safe is Your Child’s Identity ID theft is not just limited to adults. Children are just as much at risk of having their identity stolen. Unfortunately theft of a child’s identity can go undetected for years, which is why children can be a tempting target for identity thieves. In America, the Federal Trade Commission found children make up the fastest growing segment of identity theft victims.* The UK does not experience this crime to the same degree as our personal data is protected by the Data Protection Act 1998, however with the rise of social media ch
  22. The number of people falling victim to identity (ID) theft in the UK has risen by almost a third, figures suggest. Data from fraud prevention service Cifas shows that 34,151 confirmed instances of ID fraud were recorded in the first quarter of the year. Identity fraud occurs when criminals abuse personal data to impersonate a victim or to create fictitious identities to obtain products and services. Avoid identity theft and fraud Identity theft can happen by taking documents from your rubbish bin or by making contact with you and pretending to be from a legitimate org
  23. I am annoyed that all EU countries with Identity Cards can use these as a passport for entry into the UK and yet UK citizens have to produce a Passport to leave and enter the UK.I am not suggesting we go to the expense of Identity Cards,but surely for any person from the EU to enter the UK they should have a passport
  24. Hi all I signed my girlfriend up to Noddle a few months back to check her credit rating. She had previously explained that she found a letter from a company a year ago and her mum admitted to taking out the account without her permission. They both phoned the company and they agreed a payment plan and that they would send letters to move the account into her mums name. They sent the signed letters back to the company and assumed it had been sorted. Unfortunately the company didn't transfer the account to her mums name and it was still in her name. We immediately
  25. Hubby needs to submit self-assessment tax returns for the first time in years. Long since forgotten/lost login details and password for HMRC site, so now received these through the post. Just gone to log in and now have to prove his identity using either Experian or a company I've never heard of called digidentity. Chose Experian as the latter required a current passport and ours have run out, but Experian accepts details off a photocard driving licence - except it didn't and wanted passport details too, so now have to phone up. It did say the problem could be because the system was new.
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