Needing some advice folks.

A very good good colleague of mine has discovered that's she's literally been shafted by an ex. She applied for credit for a new car and was refused. I helped her get her credit file and she was in tears at no less than 6 defaults - none of which she was aware of or she had taken out.

We have contacted all six of them. Essentially her ex took out credit in her name and pretty much instantly bumped it. Upon examining all the facts, the first three lenders acknowledged the discrepancy and agreed to delete the defaults. We are still waiting on one reply from one.

O2 - bloody 02 want to hear nothing. Any ideas what to do? Police Scotland also want nothing to do with it as she hasn't lost any 'monetary value' as they put it.

Staggering to to think the first three contacted were so helpful and O2 are the opposite.