CCJ issued on a debt that's not mine @ house I left years ago - what now?

RAS

Flickering_Ember wrote: »

I've asked for a "prove it" letter via these forums, ie using the template.

Hi that was not what I asked.

Have you informed the banks in writing that you have been the victim of identity fraud?

I'm not on the electoral roll anywhere and haven't been for ages.

That's a pity, as it would give you an "alibi".

Use regsitered post for all commumications with the banks.

Marisco

How much is the debt for? I think you'll have a fight on your hands with this!! If the CC companies did send cards and pin to your old address, do you know who was in the flats at the time? Even if you did find them, they could just deny it and there would be nothing to prove otherwise. What an awful situation, as you cannot prove you didn't use them!!!

DarkConvict

Items brought on cards, can generally be tracked back to retailers. From there you can get the name/address used. It would show that the OP was living elsewhere and had moved on.

Given the length of time, i would argue that you had no need to keep the postal receipts. The mail was delivered and as far as you were concerned, they had the mail so had to action the request to close the accounts.
Since the cards were likely issued as replacements, it is not identity theft but is still fraud. No different to stealing a card and pin number.

ThinkingOfLinking

Marisco wrote: »

How much is the debt for? I think you'll have a fight on your hands with this!! If the CC companies did send cards and pin to your old address, do you know who was in the flats at the time? Even if you did find them, they could just deny it and there would be nothing to prove otherwise. What an awful situation, as you cannot prove you didn't use them!!!

The CCJ debt (Capital One) is, I think £1700 and something. I honestly can't remember; my CC limit was £1600 when I had the card.

I can't remember also how much is owed on the Barclaycard but I'll find out when I move house at the end of August (into a new student home) and am settled and able to deal with a copy of my credit report.

The only debt which I currently owe which isn;t being demanded or over its limit is £1200ish overdraft. I do not yet have student debt (start in September) although I know how these work and am aware they're taken automatically at source from wages over £15K.

DarkConvict wrote: »

Items brought on cards, can generally be tracked back to retailers. From there you can get the name/address used. It would show that the OP was living elsewhere and had moved on.

Given the length of time, i would argue that you had no need to keep the postal receipts. The mail was delivered and as far as you were concerned, they had the mail so had to action the request to close the accounts.
Since the cards were likely issued as replacements, it is not identity theft but is still fraud. No different to stealing a card and pin number.