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02 ruined my daughters life

115 replies

Wenders54 · 11/12/2024 23:48

Hi I am wondering can you help My daughter was the victim of identity theft and fraud 6 years ago when she was about to buy a house and then found out someone had taken out finance in her name and she could not get the mortgage. She had to wait 6 years to get this cleared and it only cleared 2 months ago . But the prices of the houses have rocketed compared to what they were 6 years ago and she is a single girl on her own . She just found out the day after she seen a house she could afford that the same thing has happened again . She is beyond stressed. She has tried everything ringing debt collection agency and 02 and credit reference agencies and Action Fraud . Nothing has worked . She is beside herself with worry as this coukd render her unable to get a home afain for another 6 years and by then she definitely will not be ablw to afford a home . 02 have done this twice . Given out phones in her name and ruined her credit . They mess her around from department to department and dint give her any response. Ladt time it happened they did that fir ove a year and her health was very bad and she had to start anti depressants and go to GP snd mental health practitioner. We are desperate . Can you please help . Time is of the essence as we don't want this on her file when she is applying for a mortgage after Christmas .

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AquaPeer · 12/12/2024 11:31

Doggymummar · 12/12/2024 09:36

I think she means a purchase fell though, rather than it was repossessed

Yes this is of course what I meant and of course not somewhat serious at all as house purchases regularly fall through between offer and exchange for all sorts of reasons. Fear not policetime person- we found and purchased a different house and I’ve barely thought about it let alone consider it serious.

Brainstorm23 · 12/12/2024 10:36

TheQuirkyMaker · 12/12/2024 07:06

But not for an innocent victim, they can get them removed as soon as they flag them up. It is an offender who has to wait 6 years.

Yes. I pointed that out in a follow up post.

WishingForTheImpossible · 12/12/2024 10:18

Not quite identify theft but I have the same name and date of birth as someone else, our credit files somehow got merged so I had her mortgage, bank accounts, phone etc all showing on my credit file.
It took almost 2 years to separate as I had to work with individual companies and all 3 credit agencies.
You'd get something sorted, only for another company to file and boom, they are connected again.
I had to send copies of my birth certificate, marriage certificate - prove I had no middle name, that I was in England not Scotland
Sadly for me, the person who I was merged with was less concerned with fixing the problem and more focused on how much compensation she could get for the data sharing!

I added CIFAS and monitor my credit file like a hawk now

Justcallmebebes · 12/12/2024 10:14

Hmm methinks you are not getting the full story from Nicole

Areolaborealis · 12/12/2024 10:06

MammaTo · 12/12/2024 09:11

I say this gently, but are you sure it’s identify theft and not a genuinely unpaid phone bill of hers. Identify theft would have been removed from her credit file and a correction been issued. Then for it to happen a second time, I find very unlikely.

This. Maybe she's got massive debts or is bankrupt and doesn't want to say anything.

WindyRedAlert · 12/12/2024 10:05

LadyGaGasPokerFace · 11/12/2024 23:54

I wouldn’t be speaking to some monkey on the phone with 02, email the organ grinder CEO [email protected]

This . Go straight to the top.

DaringLion · 12/12/2024 10:02

HerbieFluffyDumpling · 12/12/2024 01:15

When I had a credit account set up in my name, I was advised to apply for a protective registration, to add an extra layer of security. I think it cost me £20 or £30. Wasn't she advised to do this?

I also tried reporting to the police, but apparently it wasn't a police matter and I was told to contact Action Fraud.

The comment above is spot on this is what we done when it happened to my DH

LIZS · 12/12/2024 09:52

MammaTo · 12/12/2024 09:11

I say this gently, but are you sure it’s identify theft and not a genuinely unpaid phone bill of hers. Identify theft would have been removed from her credit file and a correction been issued. Then for it to happen a second time, I find very unlikely.

This. If she was given a ccj she could go back to the court and appeal, rather than wait for it to elapse.

policetimeisprecious · 12/12/2024 09:36

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Doggymummar · 12/12/2024 09:36

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I think she means a purchase fell though, rather than it was repossessed

Oreyt · 12/12/2024 09:15

Where is she currently living?

Renting?
With friends?
With you?

Is she under pressure to move out and buy?

Could she know she can't so has said this?

Really sorry if not.

MammaTo · 12/12/2024 09:11

I say this gently, but are you sure it’s identify theft and not a genuinely unpaid phone bill of hers. Identify theft would have been removed from her credit file and a correction been issued. Then for it to happen a second time, I find very unlikely.

DefinitelyNotMaybe · 12/12/2024 08:40

Training AI bots ruined my hamster's life.

Loisep · 12/12/2024 08:39

Oreyt · 12/12/2024 08:35

Shit. I wouldn't have done that.

I’ve taken voluntary redundancy. Don’t worry.

INeedAnotherName · 12/12/2024 08:38

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No such thing. If you don't turn up in court then it's awarded to the other side by default.

Toomanyemails · 12/12/2024 08:37

Two things you can do as well as being much firmer with O2:
Sign up for credit monitoring - if it's genuinely happened twice like this, my worry would be that someone's targeting her either because her details have been leaked or even for personal reasons.
Speak to mortgage brokers. There are ways of working around a bad credit file, especially when there's a legitimate reason and it's shocking if this hasn't been resolvable in 6 years! You may have less choice of lenders but it should be possible, especially if someone can act as a guarantor.

MyOtherCarisAVauxhallZafira · 12/12/2024 08:36

HelenHywater · 12/12/2024 08:12

The same thing has happened to me - someone took a phone contract out in my name, didn't pay it and now my credit record is impacted. 02 told me they would sort it out. I've spoken to O2 so many times, have emailed their complaints dept and had nothing. It's so frustrating.

You need to contact I've of the credit agencies and raiser a fraud complaint they can get it taken off

Oreyt · 12/12/2024 08:35

Loisep · 12/12/2024 07:30

OP, i work for O2. And have shared this post on Workplace which is the business version of Facebook. Hopefully you will get some help.

Shit. I wouldn't have done that.

policetimeisprecious · 12/12/2024 08:34

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MyOtherCarisAVauxhallZafira · 12/12/2024 08:33

When we applied for our first joint mortgage the credit report showed DH had a defaulted mortgage! He didn't and would've been around 10 years old at the time it was listed. It was a pain but we got it sorted in about 6 weeks. It's not O2 you need to go to it's the credit agency. Experian were fantastically helpful. If the prior debt wasn't hers she wouldn't have had to wait six years, so that's odd.

policetimeisprecious · 12/12/2024 08:33

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Badgerandfox227 · 12/12/2024 08:33

This is very odd - this happened to my partner several years ago, a mobile phone account and a Very account. He reported to both companies - they logged his details with a fraud database that meant when we re-mortgaged he had to go into a branch with photo id and prove it was him. No impact on his credit report - as wasn’t his debt so the companies removed any trace of the accounts.

He had the same thing happen a few years later, as the fraud database entry doesn’t last forever, again all sorted and no impact on him.

I don’t understand how this impacted your daughter’s credit record if it was not her debt, she reported it to the police, the companies and fraud database 6 years ago and again now?

TeachersDesk · 12/12/2024 08:33

AquaPeer · 12/12/2024 08:11

Nicole? How are you going to do identity fraud from the name Nicole being typed on mumsnet 🤣😂😭 mad

Calm down dear. It's simply weird to post a first name Nicole or whatever else it is (or indeed isn't) It's not Mumsnet etiquette and simply sounds odd on a thread about identity theft 🙄makes me think this is a weeeeeeeeee windup . Anyways, best of luck to Nicole.

AquaPeer · 12/12/2024 08:32

Do you have anything useful or reasonable to say @policetimeisprecious ?

presume you also don’t know what “serious extensive fraud” is really like but I can assure you it’s not being alerted by a mortgage broker and making phone calls

policetimeisprecious · 12/12/2024 08:28

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