All in the name?

[FormerMortgageBroker]

Hi all, don't know where we stand on this one. My wife when we met called herself Alyson. The correct spelling on her birth certificate and passport is Alison. She has had credit cards and bank accounts in Alyson, and it seems that she has been using this spelling since she was a teenager. She had been with one bank for 16 years. In 2005/2006 our business went under for various reasons and we ended up losing our home and she/we defaulted on a personal loan to A&L. The loan was in her name and she subsequently received a CCJ in her absence. We were not aware of the CCJ until recently when we first decided to start cleaning up our credit files etc. We have a copy of the original agreement dated October 2004 and it seems in order but the name is in Alyson, so is the CCJ. There is PPI insurance on the loan. Is this enforceable? Our experience of A&L has always been positive, and we are not avoiding this debt, but any leverage is always welcome.

[huggy41]

you could be on very shakey ground as a court may find that you did infact obtain money by deception which is a serious offence imho

 

is this her first name or surname silly question

[twofoot]

IMHO I'd say the spelling won't get you anywhere so I'd go for SAR and reclain charges including PPI.

[FormerMortgageBroker]

To answer the first poster, huggy41, it is her first name and she had to supply her passport to get account in the first place. Account was with A&L aswell

[42man]

I agree with twofoot on this one, it wouldn't make much difference and a court wouldn't see it as a technicality...