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To keep it brief without confusing you.
For the past 6/7 my identity/credit file has been crossed over with a girl with the same name, date of birth etc. For years I've been mithered with debtors, baliffs, court summons.. when in fact " that's not me" I have a few times tried to tell people its someone else to be told I'm lying. This has caused huge family rows. Not just that, I've also paid a lot of the debts off. Had my car clamped for her debt and yesterday discovered that I've been paying her court fines out of my family benefits. Examples are : court baliffs came with a warrant for my arrest to take me to court for a t.v licence offence. I had to pay £180 on the spot or go to court. I paid the £180. Also to the sum of £255 & £70 had money deducted each week from my benefits which were police fines for theft. I didn't realise there were 3 credit ref agencies and I can't access my credit file as I always fail verification. Also I fail verification with my bank. Been stopped by the police, can't get any credit whatsoever, car insurance is a nightmare. And this has been like this for years. I was diagnosed with aggrophobea a couple of years ago and have tablets daily to lessen my anxiety with the outside world. I don't open my post, rarely answer the phone and even something as simple as email takes so much effort. This is all to do with yhe debts this lady has to which my life has been crazy. And now finally its come to light that infact it isn't me. The courts where the fines were issued which I've paid confirmed it is a different lady and have issued me a £366 cheque for the money I've paidxfor her fines. But this is only the start. I can't get a look at my credit file from any of the 3. Agencies as I fail verification. Sorry for the long (brief) story. Please advise.
For the past 6/7 my identity/credit file has been crossed over with a girl with the same name, date of birth etc. For years I've been mithered with debtors, baliffs, court summons.. when in fact " that's not me" I have a few times tried to tell people its someone else to be told I'm lying. This has caused huge family rows. Not just that, I've also paid a lot of the debts off. Had my car clamped for her debt and yesterday discovered that I've been paying her court fines out of my family benefits. Examples are : court baliffs came with a warrant for my arrest to take me to court for a t.v licence offence. I had to pay £180 on the spot or go to court. I paid the £180. Also to the sum of £255 & £70 had money deducted each week from my benefits which were police fines for theft. I didn't realise there were 3 credit ref agencies and I can't access my credit file as I always fail verification. Also I fail verification with my bank. Been stopped by the police, can't get any credit whatsoever, car insurance is a nightmare. And this has been like this for years. I was diagnosed with aggrophobea a couple of years ago and have tablets daily to lessen my anxiety with the outside world. I don't open my post, rarely answer the phone and even something as simple as email takes so much effort. This is all to do with yhe debts this lady has to which my life has been crazy. And now finally its come to light that infact it isn't me. The courts where the fines were issued which I've paid confirmed it is a different lady and have issued me a £366 cheque for the money I've paidxfor her fines. But this is only the start. I can't get a look at my credit file from any of the 3. Agencies as I fail verification. Sorry for the long (brief) story. Please advise.
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