Mortgage with a default

Wheeler01

kingstreet wrote: »

I'm sorry. I must have missed something. Where in your posts does it say it isn't your debt?

Sorry Kingstreet I didnt word it very well.

"It says as it was paid for a year they say the debt is mine"

Not very clear at all sorry

Wheeler01

GMS wrote: »

If it isn't your bedt why have you a default registered because of it?

Do you mean you took out the phone contract for somebody else who didn't pay it?

No I didnt know anything about it until I found out about credit reports.

I lived in a shared house and I think someone used my identity to get a Barclaycard, and mobile phone.

Barclaycard were great, I went through their fraud department and it was all sorted I never heard from them again but the mobile company dont want to know.

As it is only £370 would it be worth me just paying it rather than have it around my neck for 4 more years?

GMS

Wheeler01 wrote: »

No I didnt know anything about it until I found out about credit reports.

I lived in a shared house and I think someone used my identity to get a Barclaycard, and mobile phone.

Barclaycard were great, I went through their fraud department and it was all sorted I never heard from them again but the mobile company dont want to know.

As it is only £370 would it be worth me just paying it rather than have it around my neck for 4 more years?

Paying it and having it marked as satisfied will help but that fact that it happened at all will discourage many lenders. If it isn't your debt you need to fight it. Must admit it seems odd for somebody to steal an identity, get a mobile and then pay the bill for 12 months. Usually it would be phone delivered, sold and bill ignored. A thief with morals. whatever next!

I wouldn't give up on it. Ask for copies of bills. Check numbers called and cross reference with your own. Try to prove the calls are not consistent and/or your own phone was making calls at the same time. Ask for locations of where calls were made. If you know you weren't there then prove it.

Of course it does not prove you didn't get the phone for somebody else but it will give some strength to your argument.

Where were the bills paid from? Usually a Direct Debit is needed to set up a contract. Was it your account? If so why didn't you cancel it.

Plenty of questions to be asked back and to but stick with it. Proving it isn't your debt and having default removed will be worth the effort.