📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Very Stupid Mistake When I Was Under 18

Okay so, going back about a year and a half ago, I was dumb and desperate for a new computer.
I signed up for finance through v12 retail finance for a new computer totaling around £1700.

I never paid a penny of this back, I couldn't afford too. I was receiving letters up until Feburary just gone, phoned them and told them I wasn't 18 and to stop pestering me because I didn't know what else to do.

Come my 18th birthday, I received a letter saying I owe them the said amount. I haven't made contact in regards to this since as I have no idea what to do.
It is showing up on my credit file/clear score account as "in default" and last updated "9th April 2019"

Another mistake I made was taking out a sim only contract with Vodafone which I lost the sim for and can't remember anything to do with the contract, I used a fake date of birth for this too, I've missed the last 2 payments (Paid for around 2-3 months) and have received letters from debt collectors about this.

Can anyone offer me any advice as to how to fix this please? My credit score is 0, I do eventually want to be able to get a mortgage, car on finance etc but from looking at how it is now , that's never going to be possible.

Thanks
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.5K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.9K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.8K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258.1K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.