Awkward situation regarding Credit and Credit Profile

FeelinLuckyPUNK

Hello

I've got an awkward situation and I was wondering what I could do.

I have default notices lodged on my credit file for a creditor and a baliff, over an online shopping account which was taken out in my name without my permission. However, I cannot lodge this as a 'identity fraud' issue because it was done my someone I know who I don't want to go to prison. We've been through all this and have agreed a way forward.

The account was taken out with an incorrect name example: say my name was Martin James Lewis, it was taken out as Martin James.

What can I do to get this removed? I am happy to pay the outstanding debt to have this removed but I don't know whether to contact them.

I never, nor did this person, sign a credit agreement for the account. Is this enforceable considering the lack of an agreement? I would argue that the company stole my identity and not the person. But, if I contact the company asking them to remove it from my file, they'll investigate it as identify fraud.

My credit file is up to date and they have made no contact with me at my new address.

Shall I just leave it for 6 years?

Thanks in advance

Steve

Degenerate

FeelinLuckyPUNK wrote: »

Shall I just leave it for 6 years?

If you're sure you don't want to report the fraud, that's your only option. You either have to clear your name by pointing to the real culprit, or take all the consequences of their actions onto yourself.

jonesMUFCforever

It seems to me by knowing about it you are a party to it - so would I want you as a customer in future?
The answer has to be no.

If it had happened to me I would be doing all in my power to clear my name and sod the consequences for the culprit.

Goodbye to new credit for 6 years - I hope you think it is worth it.

Degenerate

jonesMUFCforever wrote: »

It seems to me by knowing about it you are a party to it - so would I want you as a customer in future?
The answer has to be no.

If it had happened to me I would be doing all in my power to clear my name and sod the consequences for the culprit.

Goodbye to new credit for 6 years - I hope you think it is worth it.

It's easy to say that, but if the culprit was your son or daughter you might feels differently. OP hasn't been very specific, but I'd guess it's something along those lines.

jonesMUFCforever

Degenerate wrote: »

It's easy to say that, but if the culprit was your son or daughter you might feels differently. OP hasn't been very specific, but I'd guess it's something along those lines.

Surely that makes it worse!

RuthnJasper

jonesMUFCforever wrote: »

Surely that makes it worse!

As tough as it seems, I tend to agree with jonesMUFCforever. If it IS a son/daughter then I would feel that it is important they are taught that actions have consequences and that what they've done is not acceptable. As heartbreaking as it would be as a parent, perhaps reporting the culprit and making them pay the penalty for their actions now would save them from doing something far worse in the future, on the basis that they 'got away with it' over this.

I can't remember the specifics, but I do remember feeling that the father who heard his child bragging about a crime and promptly marched him to the Police Station had done the right thing. How can one look up to a parent if they collude with the guilty party to conceal a crime?

FeelinLuckyPunk - I am sorry that you have found yourself in this unfortunate situation. I hope that things take a turn for the better very soon. Good luck to you. xx

Naf

FeelinLuckyPUNK wrote: »

I never, nor did this person, sign a credit agreement for the account. Is this enforceable considering the lack of an agreement? I would argue that the company stole my identity and not the person. But, if I contact the company asking them to remove it from my file, they'll investigate it as identify fraud

Usually there's a part of the online application that counts as your online signature. e.g. I recently joined my employer's Bikes4Work scheme; and the hire agreement I had to sign was just an online form, where I had to type in my full name. Credit agreements aren't just paper-based these days; even your recorded voice confirming agreement can be acceptable.