Help needed urgently !1

bankkiller

Hi i have about 15 grands worth of debt which i got when i was 17 i dont know why the credit card people gave me all these cards and and loans i was young imauture and could not handle my money.. i had no guarontor on my applicactions i just wrote that i was working and making x amount of money which i was...


I tried paying them back but it went out of control now 5 years im still getting letters demading payment...

The question is that is it possible to wipe of the creidt as i was a minor under the age of 18 at the time and it was the banks fault for supplying me credit cards and not checking up on the age !!! .

I owe around 15 k on cards and am on JSA and still a student but keep to cash now !!

Any help would be much appreciaited..

Regards

Bank killer:j

Tixy

Hi Bankkiller

Did you give your date of birth on the agreements you signed? Did you give the correct DOB or a false one?

Which organisations lent you the money?

pepe2008

17 years old!........either you lied..........or the CC co's weren't doing their job right ( surprise, surprise).

Or you are a ringer, sorry to suggest that if you're genuine but we do get the odd DCA employee crawling out from under their slimy stone...

bankkiller

I was very young living alone and niave and regret doing it i put down i was a year older on a royal bank of scotland application.

They gave me 4 grand striaght away.. i also got a B&Q cards and a new sofa and capital one they all seemed to give me credit ,, ,My girl freind was loving the new sofa !! But when it all hit rock bottom no one helped !!

bank_of_slate

bankkiller wrote: »

I was very young living alone and niave and regret doing it i put down i was a year older on a royal bank of scotland application.

They gave me 4 grand striaght away.. i also got a B&Q cards and a new sofa and capital one they all seemed to give me credit ,, ,My girl freind was loving the new sofa !! But when it all hit rock bottom no one helped !!

That's not good, in fact it's fraud!
...Linda xx

bankkiller

Yes i lied on the aggrements i put one year older so i was 17 but i put 18 i know so stupid..

bank_of_slate

I really don't know what to suggest!
Contact Citizens Advice Bureau and see if they can advise you, stick around on here too, I'm sure there will be others who can suggest something!
...Linda xx

elfieb

My advice would be to keep your head down, and continue to try and pay your debts off.
You dont really want to get into trouble for fraud........you pay the debts off, they will be none the wiser.

Cashwitch

I'm wondering how this was possible...I can understand how you may have got away with this with one bank, but credit cards???And store accounts? Is it really that easy to pull the wool over these companies?I thought they applied some pretty stringent checks.
Doesn't a credit reference check involve identifying you on the electoral register???

ladybez

Don't forget that a minor can appear on the Electoral Role in the year before they are 18 with their date of birth appended. As an example my eldest's birthday is 12/8. The Electoral role is prepared in October/november, so she appeared on it just after her 17th birthday, so that if there was any sort of election between August (when she would hit 18) and October, when the new role prepared, she would be able to vote. The only thins I'm not sure about is whether the birthdate is shown when a search is carried out.

GeorgeUK

When was the last time you made payment towards the debts or acknowledged them in writing?

Are you in Scotland or England?