jolindien wrote:Yourmother wrote:To those who've also had a shite year.
My lowlights being id fraud with severe anxiety, a really drawn out shite time with rebuilding work, and the worst - a new CEO who doesn’t drink!
What are your “Flush it down the dunny” moments ?
id fraud
like what, very wrong stuff ?
So it started as I received a letter from Currys saying my first direct debit would be in a weeks time to pay off about £2.5k credit agreement.
Called them, they then directed me to the company that handles store credit - Creation Finance. I had to call action fraud also - who did nothing - except give a reference number. Creation said don’t worry and they’d send a declaration form through for me to sign. Nothing arrived. They said to wait. Becoming paranoid about intercepted post now. Then when called next they said, they hadn’t sent it. Meanwhile, I’m wondering the level of id fraud and what else what be being set up under my name, and with what kind of clever Id. Can I prove it wasn’t me? They had managed to set up a credit account as well as the direct debit to my bank. I also could not locate a load of my id documents. Then received a text message from Mercedes finance, who when called confirmed my number was linked to an account. Mass paranoia ensued. Became convinced the finance company was delaying in order to sell the debt to collectors. Was waking at 2am each morning. Could not sleep. Could not eat. The uncertainty and lack of control.
So, it planned out the Finance agreement had been set up with no id. Just a printed bank statement. And likewise a direct debit was set up. I was relieved but appalled by it. The finance company wrote it off as fraud. Pretty sure they did nothing despite them having cctv, as it was set up in store. From what I have heard since then. They just write it off always, and have budgeted for it.
The prick tried it again online, but application was rejected, as have more credit protection now.
The mercedes thing was fortunately just a clerical error on the phone number. But bloody bad timing. Id docs were located and safe thankfully.
Anyway, it was a shit time. And whilst the half year of living in rubble building work was going on. Obviously could not rule out the builders, for the above, but can’t prove anything.