I have an update... I left this be and decided to wait for the debt company to contact me and then follow the fraud route as I did tell my sister that I'd never accept any debts that I didn't authorise. So, it didn't take long and I moved into a new flat in late July, got a credit card (Vanquis - I pay it off every month) and sure enough I got a call from Littlewoods asking for money. From this moment I went through to their fraud team and they blocked the accounts temporarily and asked me to ask my sister and brother in law to call them and admit it is their debt and it will be removed from my credit file - yippee. Or so I thought. Since then, I have asked my sister to do this and she says she has. Littlewoods say she hasn't! Then they said not to go through to general customer services and directly to the fraud team and they would sort it out, so I gave their direct number to my sister, she said she has called them on that number, and Littlewoods deny it... So, do I go back and forth until my head goes bang? Or take Littlewoods on? Some bits of information I got from the fraud department was that 3 separate accounts were set up. All three with my brother in laws email address and with direct debit details for my sister (their names clearly on the littlewoods files). One account was set up on 23/12/2011, another on 30/01/2012 and then another on 15/05/2012. I was out of the country from 27/01/2012 for two months and have visa stamps in my passport to prove this. I also have a slightly different date of birth to the one they set up their accounts to (and changed - still getting it wrong). So, given that they A: set up accounts with incorrect date of births, B: had them set up with another persons email address, C: Had direct debits on another persons bank account and D: I was out of the country when one of these accounts had been set up and no doubt orders on the first account happened whilst I was out of the country. I'm thinking of writing to them and challenging their claim that I owe them any money! Or should I give the "pass on messages" to my sister another try?

Hello everyone, I am in a bit of a difficult position. My sister and brother in law have been opening catalogues in my name, using my date of birth but getting the year wrong. They did this late last year (November I think). I found out about this by accident in late January whilst going round to their house to say hello before I left for overseas. They informed me it was simply for a few items such as a new deep fat fryer and a microwave and that they would pay it off as soon as possible. At the time I was travelling abroad and although very unhappy with what had happened I decided I could do little about it as I would be spending a few months out of the UK. Unfortunatly, for a few years now I have lived a none settled life, in that I have moved often and travelled the world. Good for me, but it meant keeping an address for mail (bank records and what not) was needed, so I opted to register their address as my own as otherwise I would essentially go off of the grid. Over the last year or so I have been trying to build up a credit history with small loans and a mobile phone contract, registered to that address but never falling behind on any payments. I thought this year I would apply for a credit building credit card (as part of a long term plan to get a mortgage in about 5 years) but have failed their checks. The reason I have now discovered is due to 3 seperate accounts with the Littlewoods group with debt of around £800! I have no idea what has been bought, though I suspect a new laptop has been made of this as I recall that they did have such a laptop though it now seems to have vanished (not sure if they sold it). To make matters worse, my brother in law has had por health recently and even had a mild heart attack which means he has had to reduce his time at work, so his pay has been cut short. I am also at this moment in time staying at their home whilst I await a new flat I will be moving to in a week or so. So, it makes it difficult as they now have access to my passport and have even asked me for it due to Littlewoods getting suspicious as they have 3 accounts with slightly different dates of birth. I can see these accounts on my credit file, so far they look like they have not fallen behind with payments but if I leave this alone I know at some point they will default. I also don't want to see either of them hauled before the courts for fraud, though I also don't fancy paying £800+ for a debt I did not start. What can I do?