My credit card has my name spelt incorrectly on it

Lemon_Sponge

I contacted my cc company when they issued this a couple of years ago when I was first issued it and was told that I must have completed the application incorrectly and to change it they would have to cancel that account and recredit score a new one with my actual name. I didn't bother with doing that as I was going away and need the card for the trip. Anyway fast forward two years and my situation has changed a lot. Money is really tight now and I have a £2000 balance that I'm struggling a little with. A mate turn round and said "**** um, the debts not in YOUR name!". Anyone know the actually legal position.

One other thing I find weird is that they must have credit scored the wrong name. How on earth did someone who does exist pass a credit scoring for a £2700 limit credit card????

Morn

I am sure someone will give you a definite answer, but this sounds a little like you could be done for Fraud.

i.e. You knew about it and alas you continued to use it anyway. Admittedly the are to blame also but I am sure they would try and pin it on you if they could.

Be careful.

Moggles_2

Have you looked at your credit reports to see what's actually on there? For help, see page 1 of the *How to obtain credit reports* sticky.

If this is merely an alternative spelling of your name, it's likely both versions appear on your credit files

Lemon_Sponge

Moggles wrote: »

Have you looked at your credit reports to see what's actually on there? For help, see page 1 of the *How to obtain credit reports* sticky.

If this is merely an alternative spelling of your name, it's likely both versions appear on your credit files

It's not on my file. I have a very uncommon surname and the way they have spelt it is wrong.

Aslo how did they even credit score it?

Moggles_2

Lemon_Sponge wrote: »

It's not on my file. I have a very uncommon surname and the way they have spelt it is wrong.

May I ask which credit card is involved?

simon_templar_2

Projectile vomit all over the OP

bert&ernie

simon_templar wrote: »

Projectile vomit all over the OP

Nice! A typically friendly, considered and erudite response from you there Simon.

bert&ernie

Similar thread here

PNPSUKNET

it will show an alias on your file

normanmark

If they have a record informing you that you should cancel the account and you've refused as you've needed the card then you've accepted that you're going to use the card in that name & as such be liable.

Trying to get out of paying the debt will leave yourself open to many things, fraud being one of them.

simon_templar_2

Hence projectile vomit