02 ruined my daughters life

I’d suggest if you don’t know much about identity fraud the the posters who are suggesting (multiple times) that swapping first names on an online forum will cause it are demonstrating a lack of knowledge.

Even if it were a realistic possibility, and as I do well know there are plenty of easier ways to take out debt in someone else’s name

You don’t know much about identify fraud OR ccjs then?

This is a waste of time. He, along with any CEO, will have a member of staff (at least one) who sifts through emails and prioritises emails. This one would be farmed off to the relevant department, never seen by the CEO.

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.

Now this story the Daily Mail could actually pick up on and be useful!!

She should've been able to get the first fraud removed from her credit file well before the six years were up. I'm baffled that didn't happen.

Unless she knows the person taking out the credit in her name and it's not straightforward?

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

Be careful OP posting your dd's name isn't wise, especially on an identity theft thread. People on Mumsnet don't normally post actual names, they say dd/ds/dh ddog etc. Maybe be extra careful about sharing any names on a public board if your family has been a victim of identity theft?

Happens every day.

I don’t understand, and the same thing has happened to me twice. O2 and Vodafone have given credit, lots of debt accumulated in my name and ruined my credit file, but only temporarily. I was passed around a bit and had to make quite a few phone callls and report the fraud to the credit agencies but it only took a few months and now it’s like they were never there and my credit score is back up 99%…. Why it would take 6 years is beyond me.

Do you know how common that is amongst people who are in that sort of debt? 🤣 it’s more common that not.

you sound very suspicious that I’ve made it up, I don’t really care, but I can assure you ccjs don’t work the way you think they do.

Someone attempted to open a credit card in my name and I had to get this hard search removed

I actually phoned the company and spoke to a very nice guy who was absolutely certain it was me who applied for a credit card with them.

He said it had been done on line on a certain date and at a certain time

I started laughing and assured him that on that exact date and that exact time I knew exactly what I was doing and was holding the living proof that it most certainly was not me At that exact time and that exact date I was laid flat on my back having a CS and it was my ds’s birth date and time.
I offered to send him a picture of ds’s hospital wrist band with his date and time of birth on
But he believed me and managed to wipe the search from my records

No you wouldn’t. It was only a CCJ. Something like 800 were granted in the same sitting as our one!

if the company in question don’t do anything to enforce a CCj no one else does either.

Complain to Watchdog!

An old address- that was part of the fraud.

and from reading up and talking to people, it’s a common one. Although it was a mix of a fraud and an unscrupulous debt collection agency (although when would they be anything else)

It does sound a bit odd OP, for the same thing to happen twice, both times before applying for a mortgage.

If it were such an issue last time, perhaps there was an element of her giving away personal information that she shouldn't have done? Did ypu report it to the police? Eg, elderly person gets tricked into giving someone over the phone their PIN number.

Fraud and theft can happen to anyone, but as far as I know, for identity theft to be carried out then they need to be able to get hold of a fair amount of personal information. Your daughter may benefit from learning how to protect her identity, etc.

She needs to think about changing her email address, phone number, online passwords. Really have a look at the emails she's replying to asking for verification. Destroy bank statements etc. Is all her ID accounted for? Sign up to credit checks. Is there any friends/partner/family that could be taking advantage? Change security questions, eg don't use mothers maiden name, use a made up name.

Because very very very few people do so (checking their credit report)?

Is that supposed to be must have been going on for months?

credit rating agencies are updated monthly so the correction went into the next upload- that could’ve been up to a month. It probably was. As I say, we lost the house, the vendors wouldn’t wait and sold it to someone else. As I said, whilst stressful it was just phone calls and sending evidence etc. the ccj was the easiest that was sorted as the court has made major mistakes granting it in the first place, even if it had been a genuine debt