Very long story but basically I am bi-polar and was sectioned for a short while last year. Before I did this I used my dads name and details to obtain credit of £2000. I was making the pyments fine until the section, then crap after crap happened, I lost my job and it became impossible.
I recently feel ok and recovered, and I was starting to write to the companies saying what had happened and confessing what I did, and asking them to change the account to my name. They wouldn't, so I also confessed to my dad and got a letter from him stating what had happened and that he didn't want to press charges, just get these accounts in my name instead so I can arrange a payment plan (it was fine making payments in my own name before they got passed to debt collection but now its more difficult)
Today I got a text from my dad to say his credit card limit has been reduced because of what I did and that he had spoken to one company who said they were putting it through their fraud department.
Of course I don't blame him, I accept that it's my fault and I accept the consequences of whatever I have to do or go through to sort this out
I just wondered if anyone knows what will happen? Will the police be involved? He still doesn't want to press charges, but will he have to in order to get what are basically my debts taken off his credit record?
Like I say if so I accept the consequences and will do whatever necessary to pay it back and do my time. I just want some idea of what will happen and if this is able to be sorted at all without police?
I am utterly ashamed of myself but I want to put this right.