Looking for a little help, please. Apologies that the tale is long....
I'm 8.5 years post bankruptcy, and my CRFs are squeaky clean - or they were.....
I had a letter a few days ago forward on from an old address - I left 6 years ago.
A company called V12 were telling me they'd added £15 non-payment fee to my account.
Never heard of them.
I rang, and they said oops, yes, they'd already decided I'd been a "victim of impersonation". That someone using my name, dob and old address had set up an account with Appliances Online. They kept asking if I am a company director. I am not but 9 years ago I was a registered charity trustee - dropped that before bankruptcy.
They said they'd put a CIFAS flag on the account, and said they'd send me a "fraud pack".
Time passed that day.
I rang them back to suggest that if they send the fraud pack to the same old address, I'd be unlikely to get it.
They said they already had my current address.
I asked again how they could have let this fraudulent account be set up: I've been left 6 years, I'm on the ER at my current address.
They said they usually do a dummy transaction on a credit card registered to that address.
No such animal exists.
Anyway, later that day I discovered the fraud pack farther down the same pile of mail. Such is the memory of the dreadful time that was the run up to bankruptcy, a letter about some debt that is alleged to me has the power to send me into a total tailspin.
Pack requires me to give my name, address, dob, employer's name and address, and to attach a photocopy of my driving licence or passport.
They seem to be taking a hell of a lot more care now than they did in November when they let this slide.
I haven't set anything back yet.
My financial advisor (pensions advisor, principally) offered to look at the papers over a week ago but I've not heard back from him yet. Guess he's busy.
I've got my statutory report from Experian - all clear.
I've got my statutory report from Equifax - all clear.
I've asked for my statutory report from Callcredit, which I think might be the only one that V12 report to, but it won't let me do it online or provide a contact phone number to discuss it, just gives me the order by post option.
So, a small selection of questions:
Is V12 a trustworthy company?
Is what they're asking for in the fraud pack realistic?
Can sending them the details they're asking for leave me open to farther abuse?
Have they been negligent in their duty of care in allowing this account to be set up? They have certainly caused me significant mental stress - and I'm a month off early retirement on the grounds of ill (mostly mental, stress-related) ill health.