Shitting nightmare - we've had an offer accepted on a house. Partner's credit score was FLAWLESS but a few months ago O2 got in touch to let him know there was a debt in his name - he'd unwittingly been paying £30 a month to 02 on an account he had no access to. Some feckin arsehole clearly using his identity. 02 have been useless, but did reassure us it would be cleared up and wouldn't affect a credit check when we applied for a mortgage.
He is owed £300 which he's never received, and a record of an unpaid £30 is on record - our mortgage adviser just let us know it's cropped up in the initial check and has asked for an explanation. Obviously we'll have to contact 02 again and ask them to reassure the bank, but we're increasingly concerned it's going to screw up this mortgage application.
We're in an extra rush because the sellers want a fast sale (we got it cheaper because of this - we have no chain) so this is delaying things.
Anyone been in similar situation?