Mums ran up debt in my name and won't pay

phillw

CKhalvashi wrote: »

In fairness, I've had a wrong date of birth on a business bank account before now, due to a mis-key.

Credit checks are useless, they got my name wrong due to a mis-key.

I would have recorded the conversation with her on my phone as evidence.

Rosemary7391

adindas wrote: »

It happened to me and I got my money back without even the need to fight..
But I think the OP case is entirely a different story.

For the OP, s/he is now 19 years old so two years ago she was 17yo !!!!!!!!!!
How did her mum get a credit card under his/her name ?? Not to mention she deliberately utilized the card which is not hers to purchase items.

It's quite possible that the OP is nearly 20 and the 2 years is actually "not quite 2 years" - there was no need to post precise dates after all! I do hope they get this sorted out

PixelPound

adindas wrote: »

For the OP, s/he is now 19 years old so two years ago she was 17yo !!!!!!!!!!
How did her mum get a credit card under his/her name ?? Not to mention she deliberately utilized the card which is not hers to purchase items.

She didn't! She got out catalogues in OP's name. This shouldn't be in the credit card forum, but only because it came to light when applying for Credit Card and getting turned down.

It does need to be reported as Fraud, however people believe as they didn't take it out they can simply ignore it, when in reality it won't go away and so waiting until a bailiff turns up for non payment of a CCJ to saying its not your debt is a lot more hassle than dealing with it early on.

Chars97

I'm 20 in August, this happened 2 christmas's ago. And she did!

Chars97

I didn't benefit from them anyhow, I didn't have any idea that she ordered anything especially in my name

Chars97

Thank you this is exactly the reason! I'm a she by the way but thanks

Chars97

yeah I do, as I live in Ldn and it's too expensive to move out but I'm looking. Exactly this is also the problem, not sure what would stop her from doing it again!

agrinnall

Chars97 wrote: »

Thank you this is exactly the reason! I'm a she by the way but thanks

If you don't use the quote button then nobody has any idea which post you are responding to.

Chars97

Thankyou! I'm going to try and get a appointment at citizens advice and hope for the best

Candyapple

Chars97 wrote: »

Thankyou! I'm going to try and get a appointment at citizens advice and hope for the best

Why are you wasting your time going to the Citizens Advice Bureau? They're not going to tell you anything new we haven't here.

Post 11 is all the advice you need to deal with this situation and prevent it from happening again.