CCJ beacause of credit card fraud

vikingaero

Edge/GE are big on instore credit. Maybe the brother got the goods from the store but the credit agreement was never set up?

savagej

It might be an idea if he adds a notice of correction to his credit file so that his brother can't obtain credit in his name again.

The only one I can think of at this time on a Friday night is the "thumbprint" notice, I know Equifax have a special template to add this and are in favour of it. I dont know how the other agencies implement this and I do believe it would stop on-line application which many forms of credit are these days. This would obviously make life more difficult for the OP.

I suppose the other one is simple protective registration by CIFAS when identity documents are stolen, however, this has to be paid for it if it not accompanied by a police report number.

izools

Can I just ask something really stupid / obvious -

OP - Have you spoken to the court to see who the plaintiff was in this case? Was it actually the credit card company?

I'm just wondering if the CCJ related to another debt, like an old utility bill that was forgotten about (very common)

fatbelly

izools wrote: »

Can I just ask something really stupid / obvious -

OP - Have you spoken to the court to see who the plaintiff was in this case? Was it actually the credit card company?

I'm just wondering if the CCJ related to another debt, like an old utility bill that was forgotten about (very common)

Agreed - the story as told by the op doesn't add up.

Needs more research.

savagej

Good point, as I had one on my file and it never showed who had sued me. Plus they knew before the agreement was taken out that it was a fraudulent application.

When moving around and being at Uni it is very easy to forget about things like the final meter readings and even the landline. I actually only keep my landline because most creditors require one to show you are stable and to help prove your ID otherwise it is completely obsolete unless the mobile network goes down.

I wonder if there will ever come a point were mobile numbers can be matched against an address and details given of whether it is pay or go or a contract and how long it has been running at the same address in order to help creditors make decision without the need for a landline. If Experian start offering this service next week, I have just copyrighted it, lol.

sharpy2010

Why would you worry about protecting your brother if he is prepared to do this to you?