2 unknown Shop Direct debt CCJ's by , Lowell and Capquest - identity theft? - help!!

[HCruick]

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

[ericsbrother]

have you moved house recently?

IE: since the accounts were opened.

 

 

Often what happens is that a fraudster will get mail that has ben sent to an old address,

open an account and do a runner and then a tracing co finds you at a new address

but they issue the court paperwork to the old address because that is what they are supposed to do as that would be the service address

 

 

then use the new address to lodge the CCJ details so they can then get the bailiffs in if they wish.

 

 

As you havent had a knock on the door it does smell rather fishy

 

A SAR is not an admission of a debt,

it is to see the DATA held by a company about you

and if that data is wrong or is being unfairly or unlawfully processed

you can take steps to put that right.

If they refuse you have recourse to law to make them.

 

When you have the files you can apply for a N244 and get the CCJ's set aside.

Lowlifes and crapquest will then have to start again

and you will be able to defend

and the chances are they will be forced to drop the matter

when it is clear that the accounts are fraudulent.

 

 

Once you have the proof of goings on that are not of your doing

then you should do a SAR to lowlife and crapquest

and get themt o stop processing incorrect data and delete all the wrong stuff.

 

 

they wont have a leg to stand on if they refuse or try and enforce the debt.

[dx100uk]

if you wee to get a crime refnumber from the police

or

actionfraud?

then you could write to each claimant

briefly advise them of the fraud, giving the number

and ask if they will remove the CCJ by consent to save your £255 costs.

 

 

if fraud is proved they usually do as neither capquest nor lowells will want their hands being involved in this dirty bowl

[HCruick]

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

[dx100uk]

debt collectors [themselves] even with a CCJ cannot come knocking at your door.

only court bailiffs and that's rare , and they'll not be nasty esp if fraud is involved.

 

 

now, these PDL's you knew nothing about...

..I suspect these are linked to the fraud too.

 

 

so in 6yrs someone has cloned your details and used them.

the interesting thing is SD says the stuff was delivered to that address mind.

 

 

I know it sounds funny, but as it stands, they CCJ's cant harm you more than they already are

you are in the info gathering stage.

 

 

i'm not really sure what good an sar to them {SD} will be to be honest

as these are probably post april 2007 and there probably wont be a signed agreement anyway

even before that very few cat accounts had a signed agreement it was either done online or via 1st order.

 

 

ou might find that chasing info on the PDL debts will prove more useful

as it will give bank account details they were transferred into.

 

 

again CCBC wont help even with a crine ref number.

they wont say oh sorry we'll take them off.

[dx100uk]

gotta admit reading this through again

and I know this sounds bad but

 

 

family member using your details

who else lives with you?

[mercyblue]

"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."

 

That's not good it sounds like they are going for an attachment of earnings is it an N56 form you have been sent?

[HCruick]

gotta admit reading this through again

and I know this sounds bad but

 

 

family member using your details

who else lives with you?

 

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.

[HCruick]

 

That's not good it sounds like they are going for an attachment of earnings is it an N56 form you have been sent?

 

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

[dx100uk]

yes court bailiff are usually very helpful

its the HCEO's that can be the nastier ones sometimes

all they want is money to take their fees

more fees more money to them

 

 

court bailiffs are paid by the courts system at a fixed std rate

not after fleecing you more