hiya thanks, yes iv done all that, on the application form the account details were also on their for the laon to be paid into, it was saying it was with the bank of scotland. I ve got a letter from the head office stating this account does not exist, not in my name or anyone elses.. the solicitors hav put it on hold while hillesden are investigating this.. im hoping to have an answer back this week... if it does not come back in my favour I have sought legal advice and I am intending to sue Welcome Finance as I am been punished for someone elses debt.. the lawyer in question seems quite reasonable so Ii think he will need sufficient evidence and proof from welcome that this is mine rather than me tating its not before going further.. Thanksfor your help. Monica

anyone else, the 14 days are up on monday - aaghghghhgh

thanks for getting back to me so quick:) I do live at the address where they say they sent the summons to, but have never recived any summons and they advised they dont always send them recorded delivery as i requested proof of signature... yes i was on electoral roll at my parents house at this time and can also provide the company name where i was working so they could surely check thru that? what about the signatures and my parents address? is this not something i could report as fraud? should i wait and see what nolans say after advising hillesdens of the information i have provided them with? either way tho, there is an account open with my name,dob and NI number, im sure this could be investigated by the police before the court hearing?

thanks Martin, Sorry I was unsure where to put it c=

hi, i really need someones help here please to cut a long story short, i got a copy of my credit file as i had been refused credit, and i noticed that i had a default from hillesden securites in april 2005. i wrote to them recorded delivery and requested my details ie credit agreement default notice etc, as have no idea what this is.. they replied advising nolan mcleod are dealing on their behalf and all correspondence is through them, however they will send the requested docs out to me.. i then contact nolan mcleod for details of this debt and they said someone would get back to me the next day... however later that day 2 sherrif officers came to my property and put a charge for payment through my door for the debt to nolan mcleods.. i then contacted nolans again and was able to speak to the girl dealing with it, she advised that in july 2008 they had sent me a court summons and because i didnt reply to this, they lodged a decree against me..i checked my credit report again under court information and right enough there it was... they advised me it was for a welcome finance account i had in 2003, i advised them that my father paid that debt off jsut before i had my daughter in 2004 so i did not have any debt. they said they have no recollection of this, and to either pay up or do a minute of recall.. yesterday, i received the docs out from hillesden securities, the debt was in february 2003 and was taken out at an address iv never even heard off, notes confirming they called my employer at optical express who confirmed i was not on the sick - i have never worked here and was at uni in 2003.. however at the back, there is a copy of the default notice, which was sent to my parents address which is CORRECT. that is the address i lived at at this time, this default is date 13 august 2003. there is also 2 witness with their telephone numbers, i have never heard of these people and dont even recognise the area code as being anywhere near my area. I contacted nolans again and advised there seems to be an error, and explained, he advised that he will speak with hillesdens to see what they say and then get back to me, i raised my concern that i had 14 days to do something with this court thing and he advised he would write to me and i would ahve 7 days from date of his letter to respond or take legal action.. i must admit however, that My signature does look very much like the signature in the application form, however it is not MINE can anyone please advise the best thing going forward what to do here if hillesden continue with this, as surely a judge must have seen these same docs when he granted the decree?? also i checked the registry trust website and there is nothing showing for my address, i saved a copy to my email address. any help with this woulld be much appreiated