Received statement from creditor.

2004arron wrote: »

If I contacted the council and got a council tax letter stipulating I wasn’t living at this address, would that help?

If you weren't living there, then the Council cannot give you a copy of the then-residents council tax bill.

Did you parents live there at the time? If so, it could be fraud on their part / another family member. If it was an old house at the time then it could be the new tenants committing fraud?

Either way, you need to state it's not your signature and that you never took the loan. If it's registered to an address you have been known for (parent's house means you may have had accounts there in the past?) then you'll be in for a fight. If you didn't take the loan out, then you'll need to report it as fraud and get whomever did it prosecuted for them to be held accountable.

If it is a family member and you don't report the fraud (because you don't want them in trouble), then for all intensive purposes, it will be your debt to pay.

2004arron wrote: »

So something has been brought to light. Another letter came through the post today (my partner has informed me)
It seems to be the credit agreement.

Good news is that it’s not my signature
Bad news is that it’s at my parents old house in 2009.

The debt was from sept 09 to Aug 13, I didn’t live there at that time.

What’s the next step?

For everyone else, this thread provides some more info:
http://forums.moneysavingexpert.com/showthread.php?p=73244092#post73244092




Step 1: Obtain copies of all 3 of your credit reports to see if there are other accounts you don't recognise.

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Call Credit: https://www.noddle.co.uk
Equifax: https://www.clearscore.com

Step 2: Report ID theft to police in order to obtain a crime reference number:
http://www.actionfraud.police.uk/fraud_protection/identity_fraud

Step 3: Write to Lowells / any other lenders on your files for accounts taken out in your name which you don't recognise and inform them that:

a) the account was taken out fraudulently by ID theft. Where possible, if it shows on your credit reports that you were on the electoral roll elsewhere at this time, provide a copy of this and/or any bank/card statement during this time period showing a different address (blackout transactions etc, all they need to see is the address) to further backup your case.

b) supply them with the crime reference number so that they know you have reported it to the police and if they need to pursue costs they know who to contact

c) Ask them to remove the accounts from your files

Step 4: Sign up for CIFAS protective registration to prevent your mum from doing this again in the future.
https://www.cifas.org.uk/pr_for_individuals