02 ruined my daughters life

[Wenders54]

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 .

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

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

Training AI bots ruined my hamster's life.

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.

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.

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

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

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

This . Go straight to the top.

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

methinks you are not getting the full story from Nicole

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

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

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.