Advice Needed - Quite Complicated

helphelphelp2013

Hello all,

To cut a long story short back in 2011 I entered a competition that ended up being false and a way of the organisers to take my details and hack into my account - set up loans etc in my name

It has taken until last week to get anywhere and despite much stress and banging my head against a brick wall I have finally done this

The bank concerned initially refused my claim that it had happened as they said that my other half had access to the online banking so could not rule out it was her. I had money leave the account from both the hackers themselves and from payments for payday loans and other loans that I had not set up

It has come to a head as now after reporting to Action Fraud in December they have traced it to a known fraud that they are aware of and are currently in the process of doing charter applications in relation to this.

As a result of this the bank has agreed to returning the money taken from the account - about £30,000 and we are in discussions regarding compensation

Now here is where the issue is, I have a number of people that I now owe money to- some because I was unable to pay them due to this happening- some additional since then ( money off people I know ) and a third which is the ones that have been set up by the people who hacked it

Now this was all going fine and I have put in a request for my credit file to see if I have got anymore that I am unaware of that have come on since- I am hoping not

The issue I am having is that I am not able to pay off the debts that are legitimate to me but two of the payday loan companies are currently refusing to play ball and accept I did not set it up - I have asked for it to be wiped and any payments made refunded. One of the companies has started court proceedings for which I have the 28 days to argue it.

So my questions are these

1- Do I pay off the debts I have currently or do I wait until the Payday loan companies have stopped any action? I do not want to pay everyone off only to find I then get a big court award that I cannot pay
2- Am I able to rectify my credit file now and state on there that this was not through fault of myself and how do I go about doing this
3- Is there any letters I should be writing to the creditors to allow me the time to sort through everything so I can then start paying people/ compaines off
4- Am I able to claim back any charges I have had from legitimate debts that I have been unable to pay due to what happened

Many thanks very much appreciated

Tom

helphelphelp2013

Just bumping to see if anyone can help

timetogrowup89

Hey..

Sorry to hear this has happened, sounds awful..

I don't knwo much about all this, but I had something on my credit file that was not mine. I contacted equifax and they contacted the company on my behalf to have it removed. I guess if you have a crime number or something then they could action it for you in this way...

There is a forum on here just for credit files, so would maybe post in there about your file to get more detailed info on this.

Sorry couldnt be more help..

Powered_By_Pies

Hi helphelp,

Wow, I hope you get compensation big-style for the banks' complete ineptitude during the saga.

With regards to the payday lenders trying to issue court proceedings, can you not get your bank to issue confirmation letters to them to explain the procedure, or are they uninterested in helping? Purely from my own opinion (and from a legal opinion I may be wrong), surely it's down to them to assist you in clearing your name with these lenders as it took so long for them to deal with it?

I'm assuming you've already sought legal advice and/or spoken to a solicitor about this, have they given any insight into what can be done?

Best of luck, I hope it all works out for you!

happy_bunny_2

Sorry to hear about the nightmare!

If you have confirmation from Actionfraud in writing that you have been defrauded, and you have told the payday loan firms, as well as confirmation from your bank, then let them take you to court. Can't see them winning.

If they don't take you to court, start the formal complaint process against each payday lender, sending a copy of your evidence.

If they still don't help, refer to FOS after 8 weeks or when they say no. If they have fobbed you off officially already, then call the FOS:
http://www.financial-ombudsman.org.uk/consumer/complaints.htm