Credit Account started before I was 18, is the account still valid?

EssexHebridean

Gkinghorn3 wrote: »

Thanks for the replies,

Sorry, I Should have mentioned in the original post that shoosmith (on behalf of Capquest) had taken me to court, I had agreed to pay them £90 a month. After some back and forth emails to try and set up the payment, the stop responding after I sent them proof of ID after stating there was a different DOB on file. I’ve only recently received another letter from Shoosmith threatening further action.

There is a high chance I fudged the DOB when I was a kid, it was supposed to be a one time purchase, I doubt I even knew that I could get credit with them.

All the correspondence I received from them was in my name when the account was still running, my mothers name wasn’t on any of the documents, and the card registered to make the monthly payments was in my name.

I have just recently applied for a DPP through StepChange, but haven’t sent away the application, I want to know where i stand with this account before proceeding.

Thanks

You didn't "fudge it" did you - you deliberately put in a wrong DOB that meant the provider thought understandably that you were over 18 at the time. For what it's worth, I imagine just about all the regulars reading your OP knew that as soon as you mentioned them having the "wrong" DOB. You need to get up a wee bit earlier to slip stuff like that past us...

It’s still money I owe regardless of legal formalities.

Quite right too. well done for taking responsibility.

Gkinghorn3

Haha no, by “fudge” I meant it was more than likely done on purpose. I was a nightmare as a teenager.

After getting in touch with StepChange, and setting up a DPP, I should be debt free in 4 years.

Thanks for clearing things up, guys!