Can I offer an F&F in return for having debt removed from file?

LostAndAshamed

Long story short...

Littlewoods account was used fraudulently between 2010 - 2013. Outstanding amount is now £4000, and I've paid off over £1500 spent by someone else.

I had severe mental health difficulties at the time, and was just paying by DD. I was also living abroad.

Littlewoods have rejected my final complaint, saying that I didn't tell them I was living abroad in any communications, and therefore my stories are 'contradictory'.

I can either go to the FOS or set up a payment plan.

If I offer them £500 as F&F, can I require that they remove the incorrect information from my account?

They say that it is accurate, and reflects how the account has been run, but I did not order and do not have the things ordered.

PS - I know £500 is low but at the moment I'm paying £4 a month, my financial circumstances (and ill health) mean I'm never going to be able to pay this off, so I guess I might as well try. I don't have much chance of being able to get my hands on more than £500.

happy_bunny_2

Very unlikely to remove it from your file,even if paid in full.

Your best bet is to refer it to the FOS.

Catalogue company complaints procedures are usually terrible. In my experience.

If the FOS find in your favour then adverse credit data may also get removed. Worth a go.

sofiar

I would also speak to experian as if this was indeed fraud, they can add a note on your file

LplateSaver

Why would you pay £1500 that another person spent? That's a lot of money :eek: If someone used my details to obtain credit I'd phone the police, the pm, the queen, someone ha I'd be fuming.

LostAndAshamed

I didn't mean too, LplateSaver. I had a DD set up, and was too ill to notice that it should have stopped.

Police know, I have a CRN, but it doesn't make a difference to LW. They want their money, and are adamant that as they can't see evidence of fraud, there must not have been any.

matttye

LostAndAshamed wrote: »

I didn't mean too, LplateSaver. I had a DD set up, and was too ill to notice that it should have stopped.

Police know, I have a CRN, but it doesn't make a difference to LW. They want their money, and are adamant that as they can't see evidence of fraud, there must not have been any.

Were the fraudulent orders placed online? If so, if you can provide proof of where you were living abroad at the time of the fraud, then they should be able to check the IP addresses that made the orders and there's a good chance it will have been a UK IP address rather than one from the country you were living in. Not definitive but it's a start.