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Hello,

 

First time poster looking for some advice if possible on behalf of my step son.

 

In Nov 2018 he was contacted by the bank to say they'd been some fraudulent activity on his account.   He went into the bank and they went through the transactions on his account and highlighted things he'd never purchased, upon going through the transactions he realised there were two mobile accounts coming out of his bank, one he never knew about with EE (T-Mobile) and the one he used and which he had the device for with O2.

 

The bank advised him that day to cancel the direct debit of the phone and agreed to refund all the fraudulent transactions along with the 12 months of payment that had been taken for this phone contract that he had never taken out. 

 

Three months later Feb 19 he received a letter from Moorcroft chasing £195 off him for 3 months missed payments, he contacted EE and explained that he'd never taken out this contract and it wasn't him.

 

He continued to receive debt collection letters and ones stating that people would turn up at the house to speak to him, he was back and forth with EE but they kept saying that he still owed them the money and it was now £1400 because he had been paid back by the bank.  

 

He kept asking them for information and went into the local store also to identify himself as requested and finally got the information that the account was taken out in Doncaster and the date it was taken out.  We don't live in Doncaster, and on the day in question in 2017 he was at University in Hull and he got the university to provide a letter with evidence that he was in lectures all day and had used a fob registered to him to get in and out of lectures.

He also had bank transactions on his bank statements from the same day in Hull later in the day.

 

EE's argument to saying that they believed this was a legitimate contract was that he paid it for 12 months then cancelled it and didn't let them know it wasn't him until they sent a debt collection letter out.  His response is that he was unware until fraud had happened on his account and that once cancelling the direct debit with the bank and receiving funds back from the bank he believed it was sorted.

 

He has subsequently many times asked them for a signed agreement ( they said they don't keep records that long), any video evidence that he was in store, and a list of calls used on the device where and to whom to help him more eliminate himself and find more evidence for them that it was taken out with his details without his consent and knowing nothing about it. They have said they can't provide him with that.

 

He wrote to the ombudsman, but they have said that they can only rule on whether an investigation was carried out by EE, not on Fraud and that he should go to Action Fraud.  He's had nothing back from action fraud, he's been to police also, who issued him with an action number. 

EE have placed a default on him from 5th Jun 19 and it is affecting getting any kind of credit. 

 

I'm just looking for a bit of advice really on next steps, would you advise going to a solicitor and paying to try to get this resolved?

How else can we go about getting this removed from hi credit file?

They are no longer sending debt collection letters and haven't for around 10months now but have issued a default.

 

Any help would be greatly appreciated.

 

Suzie

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write to the CEO

use the ceoemail site to find the info.

 

ensure to include some kind of proof that there was fraudulent activity on his bank A/C that points to someone using his details and the Action Fraud Crime number.

 

sadly quite common in uni situations and he probably knows who did it too if he thinks about it.

 

 

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

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, DCA;s -  would collapse overnight.

 

DCA's view debtors as suckers, marks and mugs - that's why they will never tell you they are not bailiffs and have absolutely zero legal powers on any debt.

 

 

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