Probable identity theft by husband and welcome finance mistake!

[stemily]

I hope I'm posting this in the right place, it involves quite a few different debt related topics

so this seemed as relevant as anything!

 

I've recently split up from my husband and I'm looking to divorce him shortly,

in the process of splitting up I've needed to apply for credit for the first time in years

and it's become apparent that I've got a poor credit rating

as a result of a number of payday loans that have been taken out over the past few years,

and a credit card that I paid off years ago and haven't used since is also showing an active balance.

 

I had no idea about these until now, as we've been living abroad and it looks as though my old address was used.

I have no proof that this was his doing at all, but he would have known all of my personal details to enable him to apply,

and he has a pretty severe gambling problem as well.

 

 

He has in the past stolen money from me by using my debit card so I absolutely wouldn't put it past him.

I reported this to the bank who refunded the money, but it was never proven that it was him.

 

The payday loans were taken out over a short period in 2013, and this is the first I knew of them.

I knew about the credit card but as far as I was concerned it was paid off then lost (admittedly, never cancelled).

 

In addition to this, there are 2 loans showing on there as 'lowell'

these were from much longer ago, around 2007 and 2009,

but I believe these were Welcome Finance loans that I did take out

but paid back by around 2011.

 

 

I can only assume that the fact these are still showing on there is a mistake and somehow they have incorrect records.

I should be able to dispute these using bank statements though.

 

It all seems like a lot to deal with on top of the divorce etc.

if anyone could point me in the right direction I'd be so grateful.

I want to move forward and look into mortgages eventually

but having all of this on my file will make that nearly impossible I think

[Josie8]

Would suggest sending Lowells .77 Consumer Credit Act request for each loan

[AndyOrch]

"In addition to this, there are 2 loans showing on there as 'lowell' these were from much longer ago, around 2007 and 2009, but I believe these were Welcome Finance loans that I did take out but paid back by around 2011."

 

Then they have exceeded the 6 year reporting and should be corrected on your CRAs.

 

Regards

 

Andy

[Josie8]

"In addition to this, there are 2 loans showing on there as 'lowell' these were from much longer ago, around 2007 and 2009, but I believe these were Welcome Finance loans that I did take out but paid back by around 2011."

 

 

 

Then they have exceeded the 6 year reporting and should be corrected on your CRAs.

 

 

 

Regards

 

 

 

Andy

 

 

 

Not if last payments were made in 2011 - 6 years would be 2017 - unless defaults had been registered earlier

[fkofilee]

 

 

 

Not if last payments were made in 2011 - 6 years would be 2017 - unless defaults had been registered earlier

 

Correcto. What are the default dates?

[AndyOrch]

No reference to to any default dates...perhaps the OP can confirm?

[stemily]

Thanks for your replies so far.

 

It doesn't seem to tell me about a default date on the mobile website so I'll check tonight on a computer. I take it that would be the last date they're saying a payment was made?

[AndyOrch]

Thanks for your replies so far.

 

It doesn't seem to tell me about a default date on the mobile website so I'll check tonight on a computer. I take it that would be the last date they're saying a payment was made?

 

Correct..last normal payment...not when you paid them off in 2011

[stemily]

Unfortunately there were payments made within the last 6 years,

I thought I cleared them earlier but the monthly payments continued until 2013 according to my credit report.

 

 

I'm sure my husband wasn't getting loans out in my name that early on, so I do think they're both an error on the creditors part.

 

With regards the loans someone did get out in my name, do I go to the police about this, or the companies themselves?

 

 

I understand payday loan companies can be a nightmare to deal with so want to be sure I do it right.

 

 

I think it should be fairly easy to prove as we have never had a joint account so they would have had to be paid into his account.

 

The more I think about it the more I'm sure it was all paid off before 2012,

because I moved abroad then, and everything was cleared before I left other than a credit card.

 

 

It's showing regular payments for a lot longer than I could have been making them.

I can probably get an old bank statement from my bank that will show this.

[dx100uk]

I think i'd be sending welcome an sar if I were you.

theres always stuff to reclaim too

like PPI, GAP, other insurance, penalty fees [letter, DD returned, phone call. debt collection visit etc

 

 

prob find as wit most welcome stuff

they owe you!!

 

 

dx