CIFAS marker from littlewoods!?!

crispy99

Hello everyone, I'm hoping someone could give me some advice please!

After years of wondering why I couldn't get a basic bank account or any credit, I recieved my SAR from CIFAS today. I have a first party fraud marker that has been filed by Shop Direct Finance (littlewoods) on 14/07/2014, Reason for filling is Evasion of Payment and the evidence they have against me states : Contact with application on electoral roll check.

The debt is for £424 and I didn't make a payment at all to be honest but to get a first party fraud marker is worlds apart from having a cci or default registered instead. I believe that they are stating I have used a fake address in order to gain credit and what makes it look worse is that I didn't actually make any payments to them. The address that was used was my parents house and I was living there at the time. Regarding the evidence of the electoral roll they claim to have, I have checked this against my credit file and it did state that I was at my parents house until the end of 2010 but I didn't open the littewoods account until 2012. There was no other records of any other address. I was actually living army parents house but guess my parents didn't include me on it that yearner what ever reason. Can they did see thatchy accepted me for credit based on the same terms (that the electoral roll showed I wasn't currently registered at that address)

Also when checking my credit file, it states the account was opened on 10/11/2012 and then the default wasn't registered until Lowel bought the debt on 29/07/2014. Would this be right if I never made a payment, surely the default should of been registered sometime in 2013 not 2014?

where do I stand with this and what can I do? Im absolutely gutted, there hundreds of threads about Cifas markers relating to bank accounts act, am I the only person from one from littlewoods?

Chris

Caz3121

have you paid for the goods now or made arrangement to pay?

crispy99

No I haven’t made any arrangements to pay because it got sold to Lowell. I don’t think arranging to pay would help to remove the FIFA’s marker?

[Deleted User]

Get it paid off

[Deleted User]

!!! wrote: »

Get it paid off

...on condition that they remove the marker.

crispy99

Is there anyone that’s knows about CIFAS that could advise please..

fwor

crispy99 wrote: »

Is there anyone that’s knows about CIFAS that could advise please..

If you put CIFAS into Google you will find their website, which describes exactly what they are.

From what you have said - i.e. that you spent several hundred pounds via Littlewoods and then never made a single attempt to repay - it sounds as though you had no intention to repay from the start. That's first party fraud.

You seem to be saying that there may have been a mix-up about addresses, but I can't see how that makes it any less a case of first party fraud. Under any normal circumstances you should have noticed that you had not yet paid for your ~£400 worth of goods, and would have contacted Littlewoods to find out why.

Verityspinelli

crispy99 wrote: »

Hello everyone, I'm hoping someone could give me some advice please!

After years of wondering why I couldn't get a basic bank account or any credit, I recieved my SAR from CIFAS today. I have a first party fraud marker that has been filed by Shop Direct Finance (littlewoods) on 14/07/2014, Reason for filling is Evasion of Payment and the evidence they have against me states : Contact with application on electoral roll check.

The debt is for £424 and I didn't make a payment at all to be honest but to get a first party fraud marker is worlds apart from having a cci or default registered instead. I believe that they are stating I have used a fake address in order to gain credit and what makes it look worse is that I didn't actually make any payments to them. The address that was used was my parents house and I was living there at the time. Regarding the evidence of the electoral roll they claim to have, I have checked this against my credit file and it did state that I was at my parents house until the end of 2010 but I didn't open the littewoods account until 2012. There was no other records of any other address. I was actually living army parents house but guess my parents didn't include me on it that yearner what ever reason. Can they did see thatchy accepted me for credit based on the same terms (that the electoral roll showed I wasn't currently registered at that address)

Also when checking my credit file, it states the account was opened on 10/11/2012 and then the default wasn't registered until Lowel bought the debt on 29/07/2014. Would this be right if I never made a payment, surely the default should of been registered sometime in 2013 not 2014?

where do I stand with this and what can I do? Im absolutely gutted, there hundreds of threads about Cifas markers relating to bank accounts act, am I the only person from one from littlewoods?

Chris

How I see it, if you never bothered paying the debt and the CIFA prevented you from getting more credit I’d say that is probably a good thing. Imagine how much debt you would be in now and how many lenders you would of duped into giving you something that you probably wouldn’t of repaid. Leave the CIFA as it is until you learn that when you create a debt the honourable thing is to pay it back.

crispy99

I understand what your saying, but your assuming I didn’t have any intention to repay the money, I could go on to explain a long story about why I couldn’t repay but I’m not.. if you don’t pay a credit agreement you would get a default and possible Cjj, I’ve even mentioned a default that’s been placed years late but your only advice is that it’s seems like it’s my fault? And I should accept a 6 year life changing marker because I couldn’t afford to repay Littlewoods?

crispy99

I can’t believe you’d suggest it would be a good thing I could t get any credit for 6 years? Are you serious that by not repaying £400 that I deserve no credit or bank accounts for 6 years

Willing2Learn

crispy99 wrote: »

I can’t believe you’d suggest it would be a good thing I could t get any credit for 6 years? Are you serious that by not repaying £400 that I deserve no credit or bank accounts for 6 years

If you deliberately went out to try and get something for nothing, then no, you do not deserve to have any credit accounts until the CIFAS marker becomes spent and drops off your credit file.