My ex stole my identity for a credit card!

Hello,

I recently broke up with my ex-boyfriend and a few days later, found out that a couple of months ago, he had stolen my identity to get a Capital One credit card. He spent a lot of time at my house, and had the card sent to my address so I was completely unaware that it existed. Capital One called me last week, (unbelievably, he had given my landline number!) saying I was late with payments and told me roughly what the money had been spent on - almost all of it was spent in his favourite pub, some in a local Indian takeaway, and some on flights - all in the space of a week around the middle of October. I quickly realised that my ex had done this - as it was the same week he had supposedly bought flights to take me away for my Birthday at Christmas (he said he was paying for them, and at that time I had no reason to doubt him!). When I spoke to the fraud department at Capital One, they couldn't give me any more information on what had been spent, as once they knew I was a victim of credit card fraud, they wanted to protect HIS identity!

After checking my credit file, I noticed that when doing the quotation search (which made a footprint), he had given the wrong year for my date of birth (it was a year out)- but he gave the correct one for the actual credit card application. My ex has also apologised for all this via email too (there are lots and lots of emails, as he still wants me to take him back!) and he apparently deeply regrets this 'moment of stupidity' (I don't know how he could refer to months of lies, stealing my identity and my post, and a fun week in his local, etc as a 'moment of stupidity', but there we go).

When realising what he had done, I told Capital One everything I knew, and also reported it to Action Fraud and my local police department too. At first I felt confident that he could be caught, thinking he would have to pay everything back and this would all be removed from my credit card file so I could put it behind me. I am guessing he had bought the flights in his name, most likely linked to his email address? And he had also linked this card to an email address too - so I thought they could easily trace him. And as I have received so many emails where he apologises for what he has done, I thought all this would be enough to catch him! But today, I received a letter from Capital One saying that they couldn't accept my claim of fraud, and I am liable so will have to pay the money back (and the interest will carry on going up until the balance is zero). I'm still awaiting a call back from the local police to see if they can help, but after receiving Capital One's response, not sure they can! Surely this can't happen can it? Why am I liable? Surely if they just look into it, they could see that he has done this?

Not to do the sob story, but I'm a single mum and have worked extremely hard for years, on a very low income. I have always had an OK credit rating, and have even managed to get a own mortgage on my little house. I was hoping to remortgage soon so that I could fix my roof. I won't be able to until this is sorted, as my credit rating now looks awful - all just for a £200 card I didn't know about, with ridiculously high interest. I could possibly scrape together some money over the next few months, and eventually pay it off - and just deal with having a bad credit rating for 6 years, but this is just so wrong! I'd just rather he was caught and made to pay up! And hopefully this would stop him from doing this to anyone else!

Please could someone offer me advice? He has a deep hatred for the police (I know that he's been in trouble with them before), so I don't know if he'd admit what he's done to them - but I think he would admit this to Capital One if the opportunity came up. I'm not sure how to make this happen though. I'd rather not continue any contact with him but will do if it'll get him to confess.

Please help!