studio catalogue are wrecking my life

mishy1

where do i stand with studio catalogue giving my mother £600 credit in my name without my knowlege. she failed 2 pay now ive bad credit on my otherwise great file. ive informed them an they wont listen even tho my mother will admit its her. she hasnt the money to pay it back nor hav i . i so need a mortgage but cant get one due to this. im angry with them for their lack of checks . all she did was give in my details over the phone. needless to say i rarely speak to my mother any more but cant bring myself to get her arrested in order to get a crime no as they suggested. surely the onus shud be on them to sort it out as im innocent ?

Walkinshaw

With all the love in the world, it's your problem to sort out. For all they know it could be rubbish and you trying to pass it on - especially if you won't have her arrested for what is essentially fraud.

montyrebel

If you aren't speaking to your mother anymore then why worry about getting her arrested?

LeeSouthEast

If you can't afford the £600 to clear it, how do you plan to pay for the mortgage?

Keeping_Positive

happened to me ended up getting account transferred to the right name with their permission. Get to your Mums and ring them up. If she wont agree then shop her.

eyelinerprincess

LeeSouthEast wrote: »

If you can't afford the £600 to clear it, how do you plan to pay for the mortgage?

Perhaps OP doesn't have enough left over at the end of the month to pay £600, and between paying her mother's debts and paying for somewhere to live, I'd make it a priority to pay the mortgage.

Takoda

eyelinerprincess wrote: »

Perhaps OP doesn't have enough left over at the end of the month to pay £600, and between paying her mother's debts and paying for somewhere to live, I'd make it a priority to pay the mortgage.

She hasn't got a mortgage. That's the problem - she wants one but can't get one now because of her mother's debt.

OP you need to report your mother for fraud. Otherwise she'll probably do it again. What she did was illegal.

mishy1

thanks for ur replies guys. as for getting her arrested even tho i dont talk to her much i hav two kids that do. so i just couldnt bring myself to do it. also i have enough now to get me by with rent and general living but i dont hav the spare £600 to pay of some1 elses debt. i probably cud use a credit card but begrudge it as it not mine. ive spoke to studio an told them she will take it on but they refuse.

Halloway

OP, let me make sure I've understood this:

Your mother phoned this catalogue company and gave your details and then that company extended a line of credit to her in your name. OK so far? Whose address was given then? Your address or your mother's? (I'm assuming you have separate addresses).

Either there's something you aren't telling us here or your Mother has committed fraud against you and the catalogue company. If the latter is indeed the case then the catalogue company has a claim against your Mother not you. The only way you are going to get this resolved is to involve the police if the catalogue company won't listen.

whitewing

I think you either need to report your mother to the police, or find a way of paying the debt back.

I am always disgusted with parents who dump on their children (however old their children are). Stop her now. She'll do it again otherwise and always have excuses.

mishy1

at the time we lived at the same address.