I was in a relationship with a man who was both physically and emotionally abusive.
He had used my bank account to commit fraud and HSBC held me liable for the debt from the fraud which is £9,566.
I managed to find another place to move to and made sure I was virtually untraceable on social media and the internet.
I never told the police about the abuse at the time for fear of him being arrested then released and onto me.
However I did report the fraud to the police through Action Fraud and they replied a few months later saying that they cannot follow up on it as there is not enough evidence.
Now HSBC are harassing me to pay back the debt,
I'm a 22 year old student who cannot pay back such a large amount.
Although I am terrified of him I tried to locate him so the police can find him yet he is nowhere to be found and I believe now that he had been using a fake identity whilst with me.
HSBC have been immensely unhelpful,
I have gone back and forth into branches and made numerous phone calls which have all been useless and I cannot take out debt relief management plans or file for bankruptcy because the debt is from fraud.
They also filed a CIFAS flag marker against my name so I have to use an online bank now and will not be able to get jobs in many sectors when I finish uni, for 6 years.
I opened a case with the Financial Ombudsman which is taking a long time but have been studying hundreds of their decisions on similar cases and they never rule in the favour of the victim/consumer, so I am not confident.
What do I do?