Catalogue debt - shouldn't even be in my name?

stator

It may be possible to get them to remove it from your file, but they will start asking questions about who it really was, since it was delivered to an address you did live at.

Write to the companies in question telling them that it wasn't you and that you think the credit agreements taken out were fraudulent. Provide them with a copy of your signature eg your driving licence and ask them for a copy of the signed credit agreement.

Do you still live at the address?

grumbler

stclair wrote: »

If she agrees and admits the Fraud they may transfer the accounts into her name.

I doubt that any lender will transfer the debt to a person confessed to committing fraud.

Mojisola

Amanda2014 wrote: »

I wouldn't phone the police on her
I don't dislike her that much

It's a shame she doesn't care as much about you.

You would actually be better off if she had stolen the cash from you - at least that would only have been money. The way she's done, your credit rating will be affected for years and you'll still have to pay back the money.

shortcrust

Amanda2014 wrote: »

Obviously I don't find it funny, I just don't see myself reporting my sister to the police. I'm sure she probably would agree to it, she's just so bad with money that she's probably ruined her own credit rating then decided to try for these things in my name. Personally I don't think it should be allowed without sending in ID but it's done now.

But either way, do the police have to be notified for it to be in her name?

Personally I think that lender's are entitled to work on the assumption that people won't steal their family members' identities to commit fraud. Should we all have to send in ID every time we apply for credit to stop people like your sister?!

Amanda2014

She wouldn't have had to sign a credit agreement physically because everything is done online, you just have to tick a box, I've had a catalogue myself. So I don't think they'd be able to prove anything from that unfortunately. I still live we the same address now.

Amanda2014

shortcrust wrote: »

Personally I think that lender's are entitled to work on the assumption that people won't steal their family members' identities to commit fraud. Should we all have to send in ID every time we apply for credit to stop people like your sister?!

Obviously not, but I'm sure I'm not the first or the last person this has happened to. And I know this probably won't change, but I just don't see why it couldn't be transferred into her name if she literally admitted this to them and signed her name to the debts. I don't know how any of this works so it's probably niave of me to think that could happen, but it's just annoying.

grumbler

Amanda2014 wrote: »

...I just don't see why it couldn't be transferred into her name if she literally admitted this to them and signed her name to the debts....

Because they wouldn't have lent a penny to her in the first place?

If there is a lender left prepared to lend her, make her to take a loan on her name and pay the catalogues off.
As simple as that.

stclair

grumbler wrote: »

I doubt that any lender will transfer the debt to a person confessed to committing fraud.

The JD Williams Group allows this.

Amanda2014

stclair wrote: »

The JD Williams Group allows this.

Unfortunately it's Shop Direct, the catalogues were Littlewoods and Very, plus two others I can't remember but all a part of the same company

stclair

Amanda2014 wrote: »

Unfortunately it's Shop Direct, the catalogues were Littlewoods and Very, plus two others I can't remember but all a part of the same company

It might be worth you asking them if it would be possible to transfer the debt into a different name if they admitted the fraud. Its not likely to happen unless you ask the question.