studio catalogue are wrecking my life

mishy1

baza52 wrote: »

sounds to me that the OP has bad credit history and now wants a mortgage.
Her mum has agreed to "say" she was responsible so she can have a clean credit history and get said mortgage.....

The OP says she lived at home at the time yet never saw any parcels or letters that would have been adressed to her.

As the account was opened in 2003 and not defaulted on till 2005 can you prove that your mother was making payments with bank statements etc?
What kind of goods were ordered? have any pics of her wearing any of the outfits?
Is she a different size to you? were the things ordered obviously not for you?

baza52 - thanks for your opinion but youve got it completely wrong . i wouldnt waste my time coming on this site asking for advice. i worked 6 days a week at the time in a restaurant/bar so no i didnt see any parcels addressed to me. as for items ordered they where household tat. she was paying by postal order each time as she dont have a bank account due to her bad credit history. ive grown up seeing the debt my mum has got into, therefore making mine absolutely impeccable has always been important to me.

Halloway im taking your advice. thanks so much . ill keep you posted x

baza52

mishy1 wrote: »

baza52 - thanks for your opinion but youve got it completely wrong . i wouldnt waste my time coming on this site asking for advice. i worked 6 days a week at the time in a restaurant/bar so no i didnt see any parcels addressed to me. as for items ordered they where household tat. she was paying by postal order each time as she dont have a bank account due to her bad credit history. ive grown up seeing the debt my mum has got into, therefore making mine absolutely impeccable has always been important to me.

Halloway im taking your advice. thanks so much . ill keep you posted x

surely a restaurant/bar job would not be an early start so i cant understand how you missed the postman everytime.
would i be right to asume your mum stopped paying for all the "household" items when you moved out?
does she still have any of the items? if so, make her sell them or give them to you to use in your own house/flat.
Perhaps your mum should do the right thing herself and admit the crime to the police.

wannaberichbtch

baza52 wrote: »

Perhaps your mum should do the right thing herself and admit the crime to the police.

Does this seriously sound like a woman who does the right thing? The Op has been given some sound advise and can take it or leave it and face the consequences either way. The above is neither helpful or informative.

Blacksheep1979

ABH wrote: »

Personally speaking, I would ask them to PROVE that YOU owe the money! If they can't deliver a matching signature for the period they're demanding payment for, then tell them to find the proof and untill they do stop harassing you.

HTH

Sorry but that is rubbish - from what you're saying I could take out a credit card, sign with a different signature to the one that I normally use and 2 years later cry off the debt - not going to happen.

The catalogue company are going to want their money (and rightfully so) - you either need to involve the police regarding the illegal activities that have gone on or you're going to have to pay up.

Even if you pay up or the company transfers the debt to your mother you will more than likely keep the bad credit on your credit record unless you dispute it as fraudulent, again this means reporting your mother to the police.

So the question I guess is - what's more important, your/your childrens relationship with your mother or the ability to get a mortgage?

teeni

Many people write on this site stating that they have run up huge debts without their partners knowing, They manage to hide the post for years so why should this be any different.

baza52

teeni wrote: »

Many people write on this site stating that they have run up huge debts without their partners knowing, They manage to hide the post for years so why should this be any different.

but if they run up a debt in their own name a partner should not have access to the letters as they wont be addressed to them.

In this case all the letters / parcels will have been adressed to the OP.

superscaper

baza52 wrote: »

but if they run up a debt in their own name a partner should not have access to the letters as they wont be addressed to them.

In this case all the letters / parcels will have been adressed to the OP.

I really don't see what the big problem is with taking the OP at their word. Why all the harsh cynicism? Kind of defeats the point of the forum. If the OP were hiding something then they'd only have themselves to blame and the advice they were given and tried to implement would be useless to them. So why not simply give something that constructive or nothing at all. There's nothing to lose as a poster other than time to simply assume what they're telling is the truth since that's all we only have that to go by. Even on trial a person is innocent until proven guilty. If there was blatant contradiction or falsehoods that'd be different but at the moment this is your personal "reading between the lines" and interpretation.

ABH_3

Blacksheep1979 wrote: »

Sorry but that is rubbish - from what you're saying I could take out a credit card, sign with a different signature to the one that I normally use and 2 years later cry off the debt - not going to happen.

You stayed for Act.1 then left, I saw the OP had taken the other posters advice and so thought I couldn't help anymore, so no point in my wasting my time. The OP has accepted the debt belongs to her mother, but she would rather take the debt on board and pay for it, she refuses to make her parent liable but instead is going to suffer a detriment as she feels she should pay.

Fact is however after a brief scroll through to see if anyone had quoted me - therefore wanted my attention. As you seem to have done. She may or may not be in collusion with her mother the 'amount charged' and the amounts they're chasing could be due to 'late fees' or 'non returned ontime fees' or whatever they're called.

So accepting a debt that wasn't yours, but just because some catalogue says you owe them money. That's stupid! But I suppose you didn't think about that before seizing on my name and needing to spout off.

Fwiw if you had taken out a credit card under a false name but they know have found out your real name. I would say quite honestly, good luck with that.

However, it should be noted, not all debt is accrued by the individual, some debt is equally accrued by over zealous account managers who see 'profit' so slap on the various fees. But you carry on reading into that what you need to to make you feel better, I'm sure you've twisted it around all ready to make it seem that I would be doing something to contribute to any others downfall or perhaps you thought you would post here, collect a quick 'thanks' for spouting off the same thing that the OP accepted 2 pages ago.

HTH

Blacksheep1979

ABH wrote: »

So accepting a debt that wasn't yours, but just because some catalogue says you owe them money. That's stupid! But I suppose you didn't think about that before seizing on my name and needing to spout off.

No I was saying asking for proof of signature was a stupid idea - but of course you didn't bother to read my post properly (before deciding to spout off) did you? Now run along and learn to think out your ideas properly before submitting them to a public forum.

ABH_3

Blacksheep1979 wrote: »

No I was saying asking for proof of signature was a stupid idea

It's not a bad idea, you could likely conclude that committing any fraud that required similar 'proof' was deniable. But yet there have been many people committed due to people recognising simple idiosyncrasies in the way someone holds a pen, the way they write a signature, the amount of pressure applied you don't know until you see the signature. The OP's Mother may have a distinctive 'style' of writing that would be apparent on the document itself. Or and here's a kicker, they may NOT be able to provide a document at all, in which case HOW do they prove that they've got the right person? Afterall, it's a financial agreement, it requires a signature or other proof!

- but of course you didn't bother to read my post properly (before deciding to spout off) did you?

Oh I'm sorry, I thought what with you quoting the WHOLE paragraph, you might have been relating your text to the whole post.

Might I then suggest you learn to snip\cut\correctly attribute your posts, instead of just tacking on your bit at the bottom.

Now run along and learn to think out your ideas properly before submitting them to a public forum.

Remember now child: snip snip (use the ones with the BLUNT ends, and NO Running! Don't want to cut yourself or worse!).

Attribute correctly; Make things easier to understand. Simple!

Now to bed with you!