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carter has CCJ - my name, wrong address - fraudulant orange acount by ex mate


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i have been the victim of identity fraud

 

I've had a letter from bryan carter solicitors stating i owe over £1700 on a ccj that has been set up from an iPhone contract on orangelink3.gif.

 

i have never been with orangelink3.gif and certainly would not run up a bill that high.

this letter is the first I've heard of it.

 

orange are not interested in it as have sold the debt to lowell who have set the ccj up.

apparently the contract was set up from a different address using my name and date of birth.

after all this time they have finally done a historical check and found my address and sent this scary letter.

 

i am obviously completely appalled and shocked that this has happened (i though it was a [problem] at first).

 

I've checked my credit file and there is no mention of this ccj on anything.

there is however linked addresses to the fraudsters house appearing on my experian credit report.

 

i have reported it to action fraudlink3.gif and got protective registration to make sure this doesn't happen again.

 

i guess my main question is..

..after speaking to the solicitors

they said my only option is to fill in an N244link3.gif form

and pay £150 to go to court and try to get the ccj put aside.

 

is this my only option?

 

I obviously would rather have to pay money for being a victim of crime.

 

thanks in advance for any help you can provide.

 

I've never had even a red letter before in my life,

 

i got a mortgagelink3.gif in september so this is very stressful for me.

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You are now in the correct forum.

 

I think yes, that it would be that you need to complete the application to set aside form. I will check and see if you would be able to reclaim your costs from the original claimant.

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i have just been on all my credit reports and also applied to the county court trust online

and there are NO ccjs been registered in my name and address.

 

 

the ccj i believe is registered to the fraudsters address in my name and date of birth.

 

 

the solicitors according to a chat i just had with the national debt helpline are acting unlawfully by getting my real address up

and misleading me into thinking this is what i need to do. now i am even more confused.

 

 

I would obviously rather sort this out without going to court, and paying the fee.

going to small claims to get it back afterwards is going to be a nightmare,

 

 

the worst part about it is, i know who has done it, its a friend of mine.

 

 

we haven't spoken in years and when i knew her she had financial difficulty due to her living beyond her means,

i know she had her house repossessed.

i would like to think she did this to me out of desperation rather than greed.

but a quick check on her Facebook with pictures including her at disneyland and various music festivals

 

 

this is obviously just her just using my name to buy things she can't afford.

 

 

the job i do would mean id get the sack if i had a ccj and i got a mortgage in september.

 

 

i thank my lucky stars that it hasn't affected me too much

 

 

but i can't believe orange have gave her a phone in my name without any form of identity.:evil::evil::evil:

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if the CCJ is not showing on your credit file

then its not hurting you as such.

 

 

if you do TOL using the CCJ address does it show?

 

 

you really need to stay of the phone to farter

they wont help just want the money.

 

 

let then take it back to court for enforcement

then you can oppose it with proof of the fraud?

 

 

when was this CCJ taken out please?

 

 

can you scan up the carter letter please?

 

 

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please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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2nd point

if you have a mortgage that proves its not harming you too

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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unfortunatly i don't have a scanner. it says

 

 

client; lowell financial limited

brand product; orange account number ect

 

as you are aware a ccj has been made against you in favour of our client.

we have written to you a number of times but have yet to receive a satisfactory proposal from you

on how you intend to repay this debt,

your ccj is now in arrears to the sum of £250 and our client is entitled to enforce this debt,

 

then it goes onto say how i can pay, and stuff that will happen if i don't (bailiffs and contacting my employer to deduct my wages)

1. this is the first letter i have received in the subject

2. i rang the solicitors to explain 'how would you like to pay miss marriott' was all i got ahhhhhh!!!!

3. they went on to explain id have to go to court as said above to 'clear my name'

4. they gave me the details of the 'supply address' to the phone.

i said surely this is enough that i can prove that i have never lived there...

..no I've got to go to court and pay £150 for THEIR MISTAKE!!!

 

The ccj was apparently submitted towards the end of september (i got my mortgage start of september,

but like i say there is no mention of a ccj on my credit rating , and it still remains 'excellent'

 

i would like to reiterate that i have never lived with the person who has taken this out,

she is just an old friend. and i have never lived at the billing addresses for the ccjs.

 

 

i have lived at the same address (my mums) for the past 27 years

before i moved into the house i do now in september.

 

 

i have a mortgage on both properties (i also own my mothers house),

 

 

i have always been very careful with my money and hard working.

 

 

the fact that this scab of a woman has used my name and date of birth to try and ruin my good credit makes my blood boil!!!!!

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the solicitors said they've sent loads of letters (which they admit was to the address of the fraudster).

 

 

this is the first I've heard of it.

 

 

they've only sent a letter to my address because they were not getting a response at her

 

 

did a history check on me and then found me through a linked address and sent me this letter

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Do you still know where this friend of yours is?

Have you given her name to the police?

If there is on the balance of probabilities enough evidence to say she was responsible

Why not try a small claims action against her for the costs of £150 for the set aside (Plus the Small claims court costs too)

If im thinking right, IF the police investigate and charge her and find her guilty, your small claims action would be almost cast iron.

 

Remember Orange made this mistake, not Lowell. You could do a full subject access request to orange, Use all linked addresses to see what information comes to light about how the accoutn was opened..

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i know that she lives at the address that this debt is run up in,

thats how i know its her thats done it.

 

 

she knew my date of birth and address from when we were friends.

 

 

my partner spoke to her partner a few months ago and he said they were living at an address.

 

 

when i got these letters and the supply address to them was the same as what her partner said

thats when i realised what had happened and she had stolen my identity.

 

 

at first i thought the letter was just a spoof trying to scare people into paying

now that address is a linked address on my credit file.

 

 

yes i have reported it to action fraud and got a reference, the police are not interested.

 

 

the crime of fraud has been made against the company she defrauded (orange) not me as I'm not out of pocket.

 

 

apparently its up to orange to actually report her to the police as the crime has been committed against them.

 

 

there is no saying whether orange will report her or not.

 

 

and as they have sold the debt to lowell group they are no longer interested.

 

 

i will do the subject access request thanks for the advice.

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PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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use a mobile phone camera or digital camera

 

 

would nice if we could see the letter please

 

 

dx

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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its not upito orange to report the fraud

its upto you.

its your name that been used.

 

 

don't think that sar will work

unless you tell orange to send it to the correct address.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Il upload the pic tomorrow I've put the laptop away now and can't work out how to do it on my phone. It's not up to me to report it, I've spoken to action fraud and the police. Identity fraud is not a reportable crime. The person who has used my name has committed the crime of fraud against the companies she's defrauded not against me, therefore it is up to them to report it. No crime has been committed against me and because I'm not out of pocket the police don't want to know. It's crazy I know!!!! The law is outdated.

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Il upload the pic tomorrow I've put the laptop away now and can't work out how to do it on my phone. It's not up to me to report it, I've spoken to action fraud and the police. Identity fraud is not a reportable crime. The person who has used my name has committed the crime of fraud against the companies she's defrauded not against me, therefore it is up to them to report it. No crime has been committed against me and because I'm not out of pocket the police don't want to know. It's crazy I know!!!! The law is outdated.

 

I dont know who told you all that. But theyre wrong.

Any advice i give is my own and is based solely on personal experience. If in any doubt about a situation , please contact a certified legal representative or debt counsellor..

 

 

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It's not up to me to report it, I've spoken to action fraud and the police. Identity fraud is not a reportable crime.

 

It is a reportable crime, if the Police Officer refuses then go over his head and demand to see someone who is above him.

 

Because this CCJ is missing from your Credit File (which is unusual unless you used Noddle), Have you checked at Trust Online? http://www.trustonline.org.uk/search-yourself

Their is a small fee.

 

Stigman

NEVER telephone a DCA

If a DCA rings you, refuse to go through the security questions & hang up!

 

If I have helped you, click on the star & say thank you

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There is a DEBT recorded by someone somewhere against you.

just because it is not on your credit files does nto mean you have not been a victim of identity theft.

You are out of pocket, you have been put in the negative

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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Thread moved to the correct forum

 

Regards

 

Andy

We could do with some help from you.

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just put the set aside in

deal with the issue of fraud as and when necessary

 

 

get it in and running.

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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