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.
Phone companies are bassas when it comes to this sort of thing, I once read they don't have to follow the same procedure as other credit type companies and just slap a default on someone when they want (maybe not literally when they want but you get the idea).
I'd agree to use social media on this one, it's the one area they soil themselves when faced with complaints etc.