Question answered thank you!

Bucklington

Questions answered now, thank you!

Duckyduck

I would call little woods to close the account, and arrange to pay it off either as a lump sum or monthly.

Telling little woods the situation of how the balance arose will be opening a can of worms - by voluntarily giving her the log in details you’ve also breached the terms of the agreement and so I don’t think they’ll write it off as a victim of fraud as how can you prove you didn’t allow these later transactions? If you report it, you could both be in big trouble.

Sea_Shell

I agree with Duckyduck. Don't mention the circumstances with which the debt came about with your mum. It could open up a huge can of worms.

As far as Littlewoods are concerned it's your account, your problem.

Cancel the account and make arrangements to pay.

Make sure you get post sent to your address, so mum can't hide letters.

They use Lowell's for their debt collections...and you don't want them on your back.

boo_star

Can't see this being fraud.

It's really just a case of the two of you having an agreement (she pays for what she buys) and her at some point breaking that agreement.

PasturesNew

The thing is, the debt is in your name. So you need to clear it as your mum's unable to.

Fraud means somebody is held to account and potentially jailed. So there's no point you doing that whatsoever. You also want to avoid any sniff of fraud near your name/credit score, ever.

Just close the account, work out how to pay it off. Don't be so daft next time.....

Bucklington

Thank you everyone. Your advice is very much appreciated. I was very young and naive when letting her into the account and regret it hugely, and am definitely paying for it (literally) now. But the last thing I want is to be in trouble with any one so I am going to shut down the account and make arrangements for repayments. Time for this dafty to hopefully rebuild that credit score.

redpete

Bucklington wrote: »

Thank you everyone.

It's bad form to delete a question just because it has been answered (or even especially if it has been answered). One of the benefits from a public forum is that others might be in a similar situation and see the answers, if the question no longer appears this is not as useful.