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  • FIRST POST
    • roycollingwood
    • By roycollingwood 11th Jan 18, 4:54 PM
    • 7Posts
    • 1Thanks
    roycollingwood
    Credit Card Debts
    • #1
    • 11th Jan 18, 4:54 PM
    Credit Card Debts 11th Jan 18 at 4:54 PM
    Hi
    My daughter, who does not live with me, has taken my store card, gone onto the store web site & changed my address to hers.
    She has now spent about 6000 on the card, all the statements went to her home, so I knew nothing of it.
    I have now had a letter from a debt collector claiming I owe the money.
    Police & Action Fraud, they filled in forms and thats all, no action.
    I keep getting letters from debt collectors.
    What can I do?
Page 1
    • zx81
    • By zx81 11th Jan 18, 5:09 PM
    • 14,872 Posts
    • 15,700 Thanks
    zx81
    • #2
    • 11th Jan 18, 5:09 PM
    • #2
    • 11th Jan 18, 5:09 PM
    You only have two choices.

    1) Report it as fraud and have it removed from your file, with the natural consequences for your daughter.

    2) Live with it on your files and pay it off yourself.
    • roycollingwood
    • By roycollingwood 11th Jan 18, 5:24 PM
    • 7 Posts
    • 1 Thanks
    roycollingwood
    • #3
    • 11th Jan 18, 5:24 PM
    Credit Card Debts
    • #3
    • 11th Jan 18, 5:24 PM
    I realise that, I have gone for option 1, about 6 months ago. & the letters are still coming to me
    • zx81
    • By zx81 11th Jan 18, 5:26 PM
    • 14,872 Posts
    • 15,700 Thanks
    zx81
    • #4
    • 11th Jan 18, 5:26 PM
    • #4
    • 11th Jan 18, 5:26 PM
    Write to them, reminding them of the fraud details and advice them to stop, as it is harrassment.

    More importantly check to see if this is on any, or all, of your files.
    • msallen
    • By msallen 11th Jan 18, 6:07 PM
    • 623 Posts
    • 606 Thanks
    msallen
    • #5
    • 11th Jan 18, 6:07 PM
    • #5
    • 11th Jan 18, 6:07 PM
    How are the letters coming to you if she changed the address?
    • jonesMUFCforever
    • By jonesMUFCforever 11th Jan 18, 6:50 PM
    • 24,363 Posts
    • 11,644 Thanks
    jonesMUFCforever
    • #6
    • 11th Jan 18, 6:50 PM
    • #6
    • 11th Jan 18, 6:50 PM
    If the card is in the name of Roy how did SHE manage to change the address?
    What goes around - comes around
    give lots and you will always receive lots
    • roycollingwood
    • By roycollingwood 11th Jan 18, 6:53 PM
    • 7 Posts
    • 1 Thanks
    roycollingwood
    • #7
    • 11th Jan 18, 6:53 PM
    Credit Card Debts
    • #7
    • 11th Jan 18, 6:53 PM
    She got my internet loggon details, by going though my paperwork while I was out. Then logged onto the store, and changed my address to her's, so the goods went to her house.
    • chattychappy
    • By chattychappy 12th Jan 18, 1:08 AM
    • 6,532 Posts
    • 3,456 Thanks
    chattychappy
    • #8
    • 12th Jan 18, 1:08 AM
    • #8
    • 12th Jan 18, 1:08 AM
    Did you EVER authorise her to use the card?

    I remember the FOS finding that where you authorise somebody to use a card for a particular transaction but they then use it for further transactions, all the transactions are considered authorised.

    If you have never authorised her to use the card, then you fully entitled to say that none of the transactions are authorised and you are not liable. If they argue that you must have been negligent in, for example, allowing her to discover PINs, then the FOS has also found that in the case of CCs, negligence cannot be used to hold the cardholder liable beyond 50. This is regardless of the T+Cs say.

    I would forget the Action Fraud stuff now. The fraud is on the lender and they can make further complaints if they want to. You must be frank and honest with them about what has happened and follow a complaints procedure and then to the FOS if they persist.
    • roycollingwood
    • By roycollingwood 12th Jan 18, 8:59 AM
    • 7 Posts
    • 1 Thanks
    roycollingwood
    • #9
    • 12th Jan 18, 8:59 AM
    Credit Card Debts
    • #9
    • 12th Jan 18, 8:59 AM
    Thanx, chattychappy.
    That seems a very sensible answer.
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