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    • They have defended the claim by saying that the job was of unsatisfactory standard and they had to call another carpenter to remedy. My husband has text messages about them losing the keys a second time and also an email. What do they hope to achieve??? Most importantly,  as far as I have seen online, now I need to wait for paperwork from the court, correct?
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    • My defence was standard no paperwork:   1.The Defendant contends that the particulars of claim are generic in nature. The Defendant accordingly sets out its case below and relies on CPR r 16.5 (3) in relation to any particular allegation to which a specific response has not been made. 2. Paragraph 1 is noted. The Defendant has had a contractual relationship with MBNA Limited in the past. The Defendant does not recognise the reference number provided by the claimant within its particulars and has sought verification from the claimant who is yet to comply with requests for further information. 3. Paragraph 2 is denied. The Defendant maintains that a default notice was never received. The Claimant is put to strict proof to that a default notice was issued by MBNA Limited and received by the Defendant. 4. Paragraph 3 is denied. The Defendant is unaware of any legal assignment or Notice of Assignment allegedly served from either the Claimant or MBNA Limited. 5. On the 02/01/2023 the Defendant requested information pertaining to this claim by way of a CCA 1974 Section 78 request. The claimant is yet to respond to this request. On the 19/05/2023 a CPR 31.14 request was sent to Kearns who is yet to respond. To date, 02/06/2023, no documentation has been received. The claimant remains in default of my section 78 request. 6. It is therefore denied with regards to the Defendant owing any monies to the Claimant, the Claimant has failed to provide any evidence of proof of assignment being sent/ agreement/ balance/ breach or termination requested by CPR 31.14, therefore the Claimant is put to strict proof to: (a) show how the Defendant entered into an agreement; and (b) show and evidence the nature of breach and service of a default notice pursuant to Section 87(1) CCA1974 (c) show how the claimant has reached the amount claimed for; and (d) show how the Claimant has the legal right, either under statute or equity to issue a claim; 7. As per Civil Procedure Rule 16.5(4), it is expected that the Claimant prove the allegation that the money is owed. 8. On the alternative, as the Claimant is an assignee of a debt, it is denied that the Claimant has the right to lay a claim due to contraventions of Section 136 of the Law of Property Act and Section 82A of the consumer credit Act 1974. 9. By reasons of the facts and matters set out above, it is denied that the Claimant is entitled to the relief claimed or any relief.
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Parents debt. Am I screwed?


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My mum has severe mental health difficulties, which have a big effect on her financially.

 

She's incapable of working but also of not spending money, so she had trashed her own credit rating long before she had kids.

 

When I turned 18, I got my credit file for the first time and realised that she'd taken out a lot of debt in my name.

I managed to get most of this written off, as I wasn't 16 at the time. I don't know how she managed it.

She was even using a main bank account in my name, with an overdraft.

 

My uni financial advisor recommended using an account like Littlewoods to build up credit.

I applied online, and was accepted with a £500 limit.

 

I got into the habit of buying things and paying them back, to build up my rating.

 

Long story short, I got hospitalised with illness and my mother started using the account.

 

I've no idea how she got the details.

 

Littlewoods increased my credit limit to £10,000, and my mother spent £7,000.

 

She's sectioned now, and the owing amount is a little less than £5,000. I've paid the rest off.

 

I can't afford to keep this up.

 

t's £500 a month minimum, or a settlement figure that I just don't have.

 

I explained the situation to Littlewoods on the phone a few months back, and that I'm not working at present and therefore cannot pay.

 

It seems that they've lost patience today, and have marked several missed payments on my credit file. They are now writing to me demanding payment.

 

The police have been useless, because my mum is sectioned. There is no realistic chance of conviction.

 

She's done this to neighbours and friends, too, so it's not new to them.

 

I was looking at getting a mortgage this year but I'm guessing that won't be possible with such a trashed rating.

 

Is there anything I can do?

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It seems to me that you are the victim of identity theft and you need to proceed on that basis. It won't be easy - but of course, if your mother is sectioned - at least from what you say, she is probably protected from any trouble.

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So you reported this to the Police.. Would your neighbours be prepared to provide witness statements if necessary ?

 

If the account has been used fraudulently, then I would consider you have been treated unfairly by the creditor. I will try and find someone to help.

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I gave a statement to the police, along with two of my parents' neighbours.

 

My mum had taken out overdrafts and the Littlewoods account in my name, and phone contracts and payday loans for the neighbours.

 

It's all recorded, but the police expect the CPS to reject the claim on the basis that my mother

is incapable of both appearing in court or defending herself, and is likely to be for the foreseeable future.

 

She isn't expected to get better, and her mental health team have said that court proceedings would likely drive her to suicide if she did understand.

 

They advised me to speak to Littlewoods directly and get them to move the debt over to my mums' name,

but they're obviously not going to do that just on my say so...

 

I feel so lost with this.

 

Thanks for the replies so far.

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Whilst I can understand that the Police might not want to pursue charges, you have reported this and I am at a loss to understand why Littlewoods will not accept that you have been a victim of fraud !

 

Have you made an official complaint to Littlewoods Head office - if not, I would do this and if they still wont help, then perhaps escalate your complaint to the Ombudsman.

Have we helped you ...?         Please Donate button to the Consumer Action Group

Uploading documents to CAG ** Instructions **

Looking for a draft letter? Use the CAG Library

Dealing with Customer Service Departments? - read the CAG Guide first

1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy - HERE

2: Take back control of your finances - Debt Diaries

3: Feel Bullied by Creditors or Debt Collectors? Read Here

4: Staying Calm About Debt  Read Here

5: Forum rules - These have been updated - Please Read

BCOBS

1: How can BCOBS protect you from your Banks unfair treatment

2: Does your Bank play fair - You can force your Bank to play Fair with you

3: Banking Conduct of Business Regulations - The Hidden Rules

4: BCOBS and Unfair Treatment - Common Examples of Banks Behaving Badly

5: Fair Treatment for Credit Card Holders and Borrowers - COBS

Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.

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I will write to Littlewoods Head Office now.

 

Shall I just explain the story in full? Do I need to include anything specific to be taken seriously?

 

It had been suggested that I request a CCA, but the account was opened online around 2009, I think, so that's probably all legit.

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I will write to Littlewoods Head Office now.

 

Shall I just explain the story in full? Do I need to include anything specific to be taken seriously?

 

It had been suggested that I request a CCA, but the account was opened online around 2009, I think, so that's probably all legit.

 

 

It would be best to explain in full, chronologically list the events that caused the current situation.

 

 

Is there a specific name on the Littlewoods letters if so address your letter to them marked private and confidential.

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Just a quick update.

 

I sent the letter to Littlewoods, and they responded quickly via email to say that they were sorry that this had occurred, thank me for letting them know and stating that the fraud team would be in touch within 2 days.

 

Yesterday I forwarded them evidence that T-Mobile have already recorded a CIFAS alert on my credit file, for the same crime.

 

I've spoken to ActionFraud and Victim Support today, but neither really knows what to do until Littlewoods have investigated. It feels like this will be tough, because at the time my mother was using my computer, living in my house and apparently pretending to be me all round. Still, I'll do what I can to help the case.

 

No contact from the fraud team so far.

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Just a quick update.

 

I sent the letter to Littlewoods, and they responded quickly via email to say that they were sorry that this had occurred, thank me for letting them know and stating that the fraud team would be in touch within 2 days.

 

Yesterday I forwarded them evidence that T-Mobile have already recorded a CIFAS alert on my credit file, for the same crime.

 

I've spoken to ActionFraud and Victim Support today, but neither really knows what to do until Littlewoods have investigated. It feels like this will be tough, because at the time my mother was using my computer, living in my house and apparently pretending to be me all round. Still, I'll do what I can to help the case.

 

No contact from the fraud team so far.

 

 

I would expect the investigation and response to take a considerable time in a situation like this.

If you have not heard from the FIT I the middle of next week contact them again.

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Please Consider making a donation to keep this site running!

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I've had a few calls today, but I was busy and didn't answer. No voicemails.

 

Littlewoods have just emailed that they've been urgently trying to contact me, and could I please call back tomorrow.

 

I'm guessing I should ask them to put this in writing?

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Yes indeed, call back and tell them in writing only!

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My mum has severe mental health difficulties, which have a big effect on her financially.

 

She's incapable of working but also of not spending money, so she had trashed her own credit rating long before she had kids.

 

When I turned 18, I got my credit file for the first time and realised that she'd taken out a lot of debt in my name.

I managed to get most of this written off, as I wasn't 16 at the time. I don't know how she managed it.

She was even using a main bank account in my name, with an overdraft.

 

My uni financial advisor recommended using an account like Littlewoods to build up credit.

I applied online, and was accepted with a £500 limit.

 

I got into the habit of buying things and paying them back, to build up my rating.

 

Long story short, I got hospitalised with illness and my mother started using the account.

 

I've no idea how she got the details.

 

Littlewoods increased my credit limit to £10,000, and my mother spent £7,000.

 

She's sectioned now, and the owing amount is a little less than £5,000. I've paid the rest off.

 

I can't afford to keep this up.

 

t's £500 a month minimum, or a settlement figure that I just don't have.

 

I explained the situation to Littlewoods on the phone a few months back, and that I'm not working at present and therefore cannot pay.

 

It seems that they've lost patience today, and have marked several missed payments on my credit file. They are now writing to me demanding payment.

 

The police have been useless, because my mum is sectioned. There is no realistic chance of conviction.

 

She's done this to neighbours and friends, too, so it's not new to them.

 

I was looking at getting a mortgage this year but I'm guessing that won't be possible with such a trashed rating.

 

Is there anything I can do?

 

 

On reading your post above I see that you did actually open the Littlewoods account where upon you was given a £500 limit. This was done based on your University Financial Advisors advice to help you build up your credit worthiness.

 

To which you made payments & over a (however long) time period, Littlewoods increased your credit to £10.000.

 

So being Devils Advocate as these are questions Littlewoods will require answers too as they investigate your claim.

 

How did your mum get your Account number & password information?

 

Did you receive the email/text notifications that they do send to say "your delivery is on its way"?

 

Did you not check any of your paper/online statements as you made your payments? (As when you log in & click on "my account" in here it displays your credit limit/what your balance is etc & every 4 weeks a message says "your minimum payment due by 20/06/14 for £23.00 etc & you are then able to click pay now)

 

I ask the above as I've been a Very/Littlewoods customer for over 15+ years! And in all that time I've had regular statements showing my balance/payment to be made/items I've ordered/items returned etc. Both online & post.

 

And both companies send confirmation emails of any orders placed, which is then followed up by other emails & text to say your orders on its way & your orders been delivered.

 

The most important thing is to identify how your Account details & passwords were known to "another" as this is also linked to your email address.

 

I'm sorry to put you on the spot, but these are the type of things that Littlewoods will investigate.

 

I know this because someone I knew personally opened a Littlewoods account but using the previous tenants name. (so her account was fraudulent from the get go).

 

She then used it for approx 18 mths in which time she used it properly & made payments etc. During this time period Littlewoods increased her credit limit several times until there was around £4000.

 

Then she ordered items to the value off just under the £4000 limit.

 

Not too long after Littlewoods then required payment! She then claimed the account had nothing to do with her, as obviously it was not in her name! *it was at this point she panicked & came clean to 2 of us, we were shocked as she always seemed so timid!

 

So Littlewoods Fraud team investigated her "fraudulent account claims" there were lots of questions similar to those of mine & a lot more besides. (such as card details used for payments & a whole heap of other info) Upshot was she got caught out!

 

She then disappeared by doing a moonlight flit from her address & we have never heard from her since!

 

Please do not take what I've written as though I'm accusing you of anything at all. I'm trying to help you as I saw first hand how my long gone friend was affected!

I don't suffer from insanity, I enjoy every single minute of it!!

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Thanks for your thoughts, *RainbowTears*.

 

I did open the account originally, yes. I also used it. My mum gained access because she lived with me at the time, and she hacked my emails and my laptop. Unfortunately, she has a history of doing this kind of thing, that I was unaware of at the time.

 

As for statements - As I explained, I was suffering from a bad relapse of bipolar depression and was simply automatically making the payment through DD. That bit is my fault, and I fully expect them to question it.

 

I still believe that it's worth asking them to investigate, even if they then say that I'm liable because I didn't notice quickly enough.

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Well, as some of you expected, they've rejected the claim.

 

They wrote to me acknowledging that I had asked them to remove this from my credit file whilst investigating, but stating that there was no evidence to support my claims and therefore they'd be closing the case. They thanked me for allowing them to investigate.

 

They didn't mention my crime reference number at all.

 

Where do I go now?

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Well, as some of you expected, they've rejected the claim.

 

They wrote to me acknowledging that I had asked them to remove this from my credit file whilst investigating, but stating that there was no evidence to support my claims and therefore they'd be closing the case. They thanked me for allowing them to investigate.

 

They didn't mention my crime reference number at all.

 

Where do I go now?

 

I am so sorry the news isn't what you hoped for.

 

I do believe I tried to clarify in my previous post as to what Littlewoods would investigate.

 

As in my long gone friends case, the Fraud team investigated not just into how the account was run but they also looked into the account as a whole.

 

They investigated every aspect!

 

 

Also in your instance with Littlewoods, it wasn't just a case of, for example;

 

Joe & Jane Bloggs who lives 2 doors up signing for an order & your not getting it.

 

 

With your case there were various orders that added up to the value of £7000 & these orders were placed by Another & confirmed in writing, then followed up by receipts showing orders were delivered & signed for.

And ultimately were paid for by yourself.

 

So I am not sure if there is anything further you can actually do now...

 

Otherwise there is the avenue of trying to agree a payment plan that's affordable to you.

 

Maybe someone else on here can advise you further.

 

I do hope your able to resolve this one way or another. Good luck!

I don't suffer from insanity, I enjoy every single minute of it!!

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Yes, that's what I'm worried about.

 

Unfortunately, if it's a family member committing fraud, it's not hard for them to access your account. I'd obviously hoped that my family weren't like that, but that's the way it is.

 

There are a lot of orders, mostly for clothing. It adds up to £4000 in total. Email replies were sent for those orders (but deleted before I could see them) and they will have been signed for, usually either by the delivery man or by one of my family members.

 

It's difficult, because I can't prove that I didn't order them...I can't prove a negative. So my credit rating gets destroyed for six years, and I end up having to pay £4000. I can pay it back at £10 a month, but it'll be owed forever, and at the end of the day, who can afford to pay back £4000 that they don't owe?

 

I am absolutely distraught at this. I'll never be able to get a mortgage, and my good credit file has been trashed. It's the only account in default.

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