This is probably in the wrong category so apologies. I am after some information, so I recently reclaimed ppi from shop direct, marvellous received a lovely cheque and I’m so grateful. Anyway it says on it that ppi was added to my account in 2008 well in 2008 I was just 16... I know when I opened the account I was 16 I used my name, address, and just changed my birth year not an ideal thing to do but I was a 16 year old from a poor background that wanted things my peers had. So now I’m thinking surely that is irresponsible lending, shop direct obviously didn’t do the proper checks to then give me a £500 credit limit. I remember I incurred a large amount of charges because obviously I was still at school so had no income to pay that back. When I moved house I got locked out of the account so to speak and when I tried to verify it wouldn’t work cause I couldn’t remember the year of birth I used. It has now been updated and all details have been correct for the last 7 years but clearly the ppi claim etc is still on record so there is evidence of it. Anyone ever been in this situation would really appreciate some advice. Do I have to document how it’s impacted me or just state I want them to look into it as it was irresponsible lending.
Many thanks in advance for any help.
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