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Question:

My mum stole my identity...?

I'm 16 years old and about a year ago I noticed I'd been receiving letters in the post for quite some time and my mum had been like "oh don't worry about that, it's for me" And taken the letter off me. I read one and it's from Little Woods and there's a £285 debt in my name The most recent letter I've found has said that I'll be taken to court... There have been debt collectors round and we've been told not to answer the door etc. What can I do? Who can I tell? What will happen to my mum? I'm so confused and I just don't know what to do... It's going to ruin my life, I've already been refused from HSBC for an account with them... They said they couldn't give me a normal cash account (not a credit card of anything) because I have a bad credit rating... I mean it's already giving me hassle already... Am I ever going to be able to get a car, a house, anything? :( Help? Yeah I'm English, sorry :( I'm scared. I have no one to talk to and I don't want to hurt my mum Is this also why I've been refused EVERY job I've applied for

Answers:

1) sue her first tell someone you trust your mum will go to jail

2) Report your mother to the police.

3) No normal mother would do that to their child..she sounds like she has an addiction.

4) Where do you live that people are giving credit to 16 year olds? You need to turn your Mom in for fraud, print a copy of your credit report and start contacting everyone on there letting them know this isn't your debt.

5) Edit- I am so sorry your Mother did this to you. I hope someone can give you some good advice.

6) What your mother has done is both illegal and just plain wrong. She may have ruined your credit for your entire life. You are going to have to take legal action to begin to get your credit back on track. Is there an adult in your life who is trustworthy? If so go to that person, explain the situation and ask for help. It seems to me you also might want to think about living with someone else while your mother gets the help she obviously needs.

7) You can do something some teens don't do coz they are afraid of feeling disloyal to their parents, and likely sense they will need a new place to live if they do this: Give your evidence to the police. Ask them what you need to do. Make sure you've spoken with a school counselor or someone in that position as well, so you can be assured the help you'll probably need going this alone. Clearly relatives aren't around to be helpful, so go to trustworthy strangers, the police and school counselors. You will have a hard time in life coz of what she's done, but after a certain period of time, you will get your credit cleared without having the fraudulent notices on it.

8) Your mom is ruining your credit. I don't understand how a parent can do this to a child. I would contact all these companies and report her to them as well as the police. You don't need to have loyalty to her since it appears she will never have any for you. It will take you years to clear up your credit.

9) You need to report it even though this is your mother. What she did is against the law. You are the one getting hurt, your credit score is very important it is used when you apply for a job and if you ever borrow money for college or want to make a purchase such as a home loan or car purchase. She has taken this away from you. If you report it it could be taken off your record.

10) i dont know where your from but in australia that is called fraud its ilegal and you need to go to the appropiot authorities or if you dont want to get your mum in to trouble you can ring them up and ask to pay it off in instalments im not really sure how things work where your from

11) Wow..... You are young, but you are going to have to take care of this on your own... You have to start getting that mail from her somehow. You have to CALL everyone on that list and tell them what is going on. You have to ask them what their protocal(way of doing things) is and see what you can do to get this taken care of. If they say you have to pay, then tell them you will only do this, if when you have paid, that they take it off of your credit, because it is not your fault. Do you have an friend that is not close with your mum? You need to speak with someone who is older and ask for their help. If you do nothing, your credit will be messed up for YEARS, not forever, but she seems like she has gotten you in a lot of trouble. Goof luck, and talk to someone you know that is an that does not know/talk to your mum.

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