Arrgghhhhh!

zippy99

Hubby and I do not have the best credit rating, he recently received a CC application from Vanquis - as he has no credit in his name at all now I thought it would be a good idea for him to apply to help improve his score - I discussed it with him and whilst he did not want a card I said we have to improve our score if we are to buy a house.

I then completed the application and he signed it - it was subsequently posted off.

A week later he got a call asking him to to clarify some details and he denied all knowledge of the applicaton and on further questioning said my wife must have applied - he has now been sent a form from the fraud and forgery team asking him to sign a declaration that he did not completed the application.

What should he do ? sign the form as normal and implicate me? Ultimately he signed the form after I completed it - when Vanquis called up he thought it was yet another foreign call centre calling up trying to sell us credit/phones/insurances etc and was therefore not interested in speaking to them - since recently looking at mortgages we get about 5 calls a day offering us money and he said he just thought it was another one of those - he ended up saying to them - just cancel the application.

Any advise - should I get him to call them or send a letter - should he sign?

CLAPTON

Obviously he should tell the truth otherwise the whole thing will escalate.

i.e. he did apply for the card and yes he did sign it.
but he was confused on the phone and thought that another company was trying to get him to order a card.
So he mustn't sign the fraud form but write a simple letter explaining what happened.

GeorgeUK

If the fraud form gets signed, then the police may get involved.
Have you been good to him lately??

Either write or call the bank explaining that there was a misunderstanding. There shouldn't be any problems. Just make sure he knows what to say if they ask if he still wants the application to go through etc.