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Hi All
I am after a little help for me this time please. My son who is 20 took out a next online agreement a few years ago. He bought something and when it came to filling in the online form he made an error on his date of birth. However he did not think anything wrong as he bought something and did not realize he was entering a credit agreement. Even with this date of birth, the account went through. When he started working past 18 he started to use it occasionally. He lost his job and i took over payments on my account.
In march 2012 things went pear shaped for us and we were homeless for a while, staying with friends. I had no money and was ill. (I won't bore you with details)
We had our post re-directed and as far as i am aware we had not a great deal of the post. In November he got letters from Moorcroft, he ended up paying them £350 towards the £700 debt, because they said he had committed fraud and the only way to freeze the account was to pay half.
I was not happy, I contacted them and they could only supply a screen shot of the computer page, not even my sons.
It has appeared on his credit file. I wrote to them and asked them to consider a 50% offer in return for settlement and removal/adjustment of my son's credit file to ensure his credit rating was good. They have accepted the offer but not the adjustment on his file.
I thought in my limited knowledge that they should have credit checked and if so fail it. He is mortified and panicking about it and what Moorecroft have said.
Any pointers on this. As he has applied for an overdraft and it might be this one thing on his file.
I am after a little help for me this time please. My son who is 20 took out a next online agreement a few years ago. He bought something and when it came to filling in the online form he made an error on his date of birth. However he did not think anything wrong as he bought something and did not realize he was entering a credit agreement. Even with this date of birth, the account went through. When he started working past 18 he started to use it occasionally. He lost his job and i took over payments on my account.
In march 2012 things went pear shaped for us and we were homeless for a while, staying with friends. I had no money and was ill. (I won't bore you with details)
We had our post re-directed and as far as i am aware we had not a great deal of the post. In November he got letters from Moorcroft, he ended up paying them £350 towards the £700 debt, because they said he had committed fraud and the only way to freeze the account was to pay half.
I was not happy, I contacted them and they could only supply a screen shot of the computer page, not even my sons.
It has appeared on his credit file. I wrote to them and asked them to consider a 50% offer in return for settlement and removal/adjustment of my son's credit file to ensure his credit rating was good. They have accepted the offer but not the adjustment on his file.
I thought in my limited knowledge that they should have credit checked and if so fail it. He is mortified and panicking about it and what Moorecroft have said.
Any pointers on this. As he has applied for an overdraft and it might be this one thing on his file.
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