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Am I liable for debt for credit opened in my name when underage?

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  • Am I liable for debt for credit opened in my name when underage?

    When I was 17 a letter inviting me to open a littlewoods account was sent to me, and I stupidly opened an account and let my mum use it. She never paid the bill.
    It's been 12 years now and lowell solicitors have been bugging me about it for quite some time and apparently got a CCJ against me years ago but I've ignored it all until recently.

    My question is am I still liable for debt from credit given to me when I was underage?*
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  • #2
    Hi - Technically/legally you should not have been offered a credit account when you were 17. Your mother was not involved in the opening of the card in any way?
    However....as you have an old CCJ sitting on your credit file (which should drop off your file 6 years after the CCJ), there is a very limited amount you can do to challenge that. If you had legal grounds for removing the CCJ (such as your age at opening) this should have been done when you first became aware of the CCJ, not some years later.*
    It wouldn't hurt to contact Littlewoods to discuss how this event happened and see what they have to say.
    "Although scalar fields are Lorentz scalars, they may transform nontrivially under other symmetries, such as flavour or isospin. For example, the pion is invariant under the restricted Lorentz group, but is an isospin triplet (meaning it transforms like a three component vector under the SU(2) isospin symmetry). Furthermore, it picks up a negative phase under parity inversion, so it transforms nontrivially under the full Lorentz group; such particles are called pseudoscalar rather than scalar. Most mesons are pseudoscalar particles." (finally explained to a captivated Celestine by Professor Brian Cox on Wednesday 27th June 2012 )

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