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  • FIRST POST
    beodi
    Debts in my name that aren't mine!!
    • #1
    • 31st Aug 12, 6:20 PM
    Debts in my name that aren't mine!! 31st Aug 12 at 6:20 PM
    Hi guys, hope i can get some help because im seriously on my last nerve with this one.
    I have had debt collection companies trying to chase me for debts in my name, 2 to be exact. The only thing is...i have not taken them out, so in fact they are of fraud natured, and i know who it was who took these credits out in my name with my details. I dont know what to do to clear them in my name as this person is my own mother of all people, bearing in mind that these were not of consent and i dont know what actions/steps to take to clear my name..

    This has been going on for a few years now,

    Regards
    Beodi
Page 1
    • PasturesNew
    • By PasturesNew 31st Aug 12, 6:21 PM
    • 54,775 Posts
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    PasturesNew
    • #2
    • 31st Aug 12, 6:21 PM
    • #2
    • 31st Aug 12, 6:21 PM
    You either have to shop your mun, or clear the debts.
    • mildredalien
    • By mildredalien 31st Aug 12, 6:34 PM
    • 1,039 Posts
    • 2,195 Thanks
    mildredalien
    • #3
    • 31st Aug 12, 6:34 PM
    • #3
    • 31st Aug 12, 6:34 PM
    Oof what a tough situation. PasturesNew is right though - you have to report the debt as fraud to the police, who can investigate and get you the information you need to prove the debt wasn't incurred by you.

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    • McKneff
    • By McKneff 31st Aug 12, 6:43 PM
    • 34,508 Posts
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    McKneff
    • #4
    • 31st Aug 12, 6:43 PM
    • #4
    • 31st Aug 12, 6:43 PM
    Sorry, but if the debts are in your name, then they are your responsibility.

    Were they incurred by signing something, in which case you just say that that is not your signature or was this done online.

    Other than that get your mother to pay up.
    No one can make you feel inferior without your consent
    • RAS
    • By RAS 31st Aug 12, 6:53 PM
    • 28,010 Posts
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    RAS
    • #5
    • 31st Aug 12, 6:53 PM
    • #5
    • 31st Aug 12, 6:53 PM
    What sort of debts are these.
    The person who has not made a mistake, has made nothing
  • DVardysShadow
    • #6
    • 31st Aug 12, 9:20 PM
    • #6
    • 31st Aug 12, 9:20 PM
    Sorry, but if the debts are in your name, then they are your responsibility.

    Were they incurred by signing something, in which case you just say that that is not your signature or was this done online.

    Other than that get your mother to pay up.
    Originally posted by McKneff
    The debts are always the responsibility of the person who incurred them, which is usually but not always the person whose name was put on them
    • McKneff
    • By McKneff 1st Sep 12, 10:35 AM
    • 34,508 Posts
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    McKneff
    • #7
    • 1st Sep 12, 10:35 AM
    • #7
    • 1st Sep 12, 10:35 AM
    But they wont chase the person who incurred them, they will chase the person whose name is on the agreement.

    But I understand what you are saying.
    No one can make you feel inferior without your consent
  • beodi
    • #8
    • 4th Sep 12, 11:03 AM
    • #8
    • 4th Sep 12, 11:03 AM
    ive had conversations with the creditors and they have assured me that because they are all my details that its mine to deal with. I do not have any contact with my mum due to this fact...they were both catalogues and she never had the use of the internet so am i right in assuming she would have had to sign an agreement?

    In this case would it be an idea to request a cca? if signature is not mine i have proof!
    • FireWyrm
    • By FireWyrm 4th Sep 12, 4:30 PM
    • 6,406 Posts
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    FireWyrm
    • #9
    • 4th Sep 12, 4:30 PM
    • #9
    • 4th Sep 12, 4:30 PM
    Well, obviously the proof is in the pudding as it were. If you can prove that you have been a victim of fraud, regardless of whether you know the perpetrator or not, you can tell the creditor to stick it where the sun dont shine. The down side is, they may want you to report the fraud to the police, whereupon you are honour-bound to do so.

    You've got two choices :

    1) Declare it as fraud and lay it at your mothers' feet with all that entails

    2) Pay it.
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  • Sally22
    Do you know what catalogues they were? If you contact them would they have an address of where the items that were ordered were being sent? If its your mums house then would that not be evidence?
  • beodi
    I went with the approach of asking for the cca in these two cases! It's been about 2 weeks and only one has replied telling me they are retrieving the details I requested and nothing from the other! Anyone know where I stand with the one that ain't got in touch? Are they not obligated to not chase me for the debt if they can't prove they have the right to?
    • Jinx
    • By Jinx 19th Oct 12, 8:02 PM
    • 1,729 Posts
    • 2,874 Thanks
    Jinx
    Its not a police matter, its a civil matter as its the catalogue companies who suffered the loss.

    You need to contact the fraud department within the catalogue companies stating that you did not open the accounts, didnt sign a CCA, dont receive the emails etc. Also I presume you did not get the parcels delivered to your home address and havent made any payments. Did your mum make any payments, if so they can surely prove they werent from you?

    You might have to tell them it was your mum but thats your (very) difficult decision......
    Light Bulb Moment - 11th Nov 2004 - Debt Free Day - 25th Mar 2011
  • beodi
    Yea well at the time I was staying with a relative, for work and college etc, etc... But officially my post was going to my mums address so that is difficult to get around but as for payments etc i do not know if any had been made!
    • tallyhoh
    • By tallyhoh 19th Oct 12, 11:17 PM
    • 1,981 Posts
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    tallyhoh
    I have a friend with this problem & the main thing that concerns me if he pays off this debt without shopping his mum is that she will just do the same thing again, whats to stop her?
    Tallyhoh!

    Stopped Smoking October 2000. Saved 21,840 so far!
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