URGENT HELP NEEDED - Victim of fraud affecting my personal credit.

[moores9080]

Hello,


I have a default placed on my credit report from Arrow Global Limited for £1,251; this was relating to finance for a DFS sofa originally from Santander cards.


The account was opened by a house mate without my permission; whilst I was in hospital and this is now stopping me getting on the housing ladder. Really need some advice and I hope theres someone who can help me


Further to this:-


My name is spelt incorrectly on the account.
My year of birth is incorrect.


I have a crime reference number for this and have called Arrow Global on numerous occasions.


They are refusing to remove the default because payments were made from my current account which then stopped when I didn't recognise what it was.


I contacted the bank and they said I would have to contact the finance company; and the finance company wouldn't discuss it with me because I couldn't answer the security questions because the account details were incorrect.


I need a letter I can send to Arrow Global to get this removed immediately. This is such hard work and its really getting me down.


Best wishes
Moores9080

[Kati]

Re: URGENT HELP NEEDED - Victim of fraud affecting my personal credit.

Have you contacted the Credit Reference Agencies with proof that the entry is fraudulent (including the crime reference number)? https://ico.org.uk/for-the-public/credit/

There is a CCJ on my credit file that has nothing to do with me. What can I do?

Because information relating to county court judgments (CCJs) is often received from the courts without the individual’s date of birth this can sometimes lead to mix ups – particularly where people with the same name live at the same address.

If this has happened to you, you should raise this as a dispute with the CRA who you obtained your credit file from. They can, in the first instance, try and match you to the correct information. There are ‘easy’ mistakes to identify such as an obvious mis-keying of a house number or misspelling of a name and in these cases the correct information can be merged, or separated as appropriate. The CRA should reply to let you know that they have resolved the issue or, if they are unable to, explaining why.

If, after raising a dispute with the CRA they have failed to resolve the issue you may want to report your concerns to the ICO. You can find more information about how to make a complaint and the evidence we require can be found in Section 5 of our Credit explained guidance.

[Debt Camel]

Re: URGENT HELP NEEDED - Victim of fraud affecting my personal credit.

Assuming this default shows on your Experian account, I suggest you use the Victims of Fraud process to try to resolve this http://www.experian.com/credit-educa...ssistance.html

[nemesis45]

Re: URGENT HELP NEEDED - Victim of fraud affecting my personal credit.

You should raise a formal complaint at director level with the finance provider as well, this obliges
them to fully investigate and respond within 56 days.
Arrow did not register the default the creditor did this initially and all Arrow has done
is update the credit file with its details.
The original creditor only can remove the default so DC advice and the formal complaint.
nem