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Hi, I recently credit checked myself and found out someone has finance on a BMW, using my name and date of birth. This is not my debt and is preventing me from moving home. I have forwarded a scan of my driving license and a screenshot of the CCJ against me, to BMW finance, it's being looked into currently. My license has never been out of my site, but my passport was lost around the same time the finance was taken out. What would this 'other' Mark need to have shown to get £50k of finance from BMW? (I have asked BMW for these answers, but they are slow in coming back with an answers). Regards, Mark Edz
Hi Mark, apologies for the delay in coming back to you. All this other person would have potentially needed to secure the finance is a proof of address - perhaps just a driving licence / passport though. Have you any idea of where this car actually is? £50,000 is a huge amount of money and if this is fraud the supplying dealer hasn't done the correct checks to prevent fraud unfortunately. You can place a note on your credit profile to explain what is happening but i'm afraid this may well be a long drawn out process. Have BMW Financial services chased you for payments recently? If not, whose address did the fraudster use? This is a severe case as i'm sure you're aware of. Please keep me posted and i'll do my best to help where i can. Kind Regards, Edwin
Hi Edwin, thanks for replying. I have no idea where the car is, other than the person who got the finance, lived/was living at an address in Lancaster. I live in South East Kent and always have done. BMW Finance are looking into it for me and say they are treating it very seriously. It does sound like BMW did not do their checks to prevent fraud.
They have never contacted me about this so called debt, although I did have a letter from Honda Finance many months ago, I called the solicitor that sent the letter, she said my details were deleted off her records simply because I gave my DOB to her.
Next thing I know, I get a letter from HMCS asking me to attend a court at my local council regarding a similar amount of money outstanding now, which is actually under £5000.00.
The original finance was for just under 50k, it seems whoever got the finance, only just recently defaulted on the payments.
So, to recap, the address used for the finance is in Lancaster, I have never lived there. I live in South East Kent, near the seaside, pretty much always have done. Except a shared address in London for 2 months, then back to the south east coast.
I'm waiting for BMW to come back to me and not too soon I hope. I have been warned by CallCreditCheck that the process can take 28 days.
I am waiting to move and I'm now paying another months rent, all because of this unlawfully placed CCJ.
Do you think I may have a case against BMW for money lost due to their negligence?
I'll keep you posted on any outcome, thanks again for answering my post.
Hi Mark, yes you potentially have a case. Your credit file has been adversely affected because of the BMW dealers negligence. I understand the case a little more now and have stopped sweating as much as the outstanding amount is nowhere near the original £50,000 but that's not the point. I'm sure BMW will sort all of this out and it may just be as simple as the credit has been registered against your name rather than someone else with a similar name. It may be more complicated though. The saga continues as they say. I hope all gets sorted asap and please keep me posted as this experience will help others. Thank you.
Well, what can I say, I'm now in my 4th week of trying to remove this damned CCJ, which not only involves BMW, but Honda too!. So, £50k with BMW and £5k with Honda.) Ridiculous!
BMW have accepted that I am the wrong Mark Edwards, Honda have also accepted the same fact, but the other Mark Edwards has an alias name * associate, which has been placed on my credit profile! It is the alias and associate names that are tying the whole thing together, until Callcredit are convinced that there are, in actual fact, two people with the same name and same date of birth, I'm stuck with this horrendous nightmare!
I'd really like some heads to roll for this and some compensation, but I fear it could be costly, trying to get money out of major finance establishments.
How would I go about such a thing?, do I even stand a chance of actually getting any kind of settlement at all?
This isn't about compensation, but I'm rather stressed with the whole thing and feel someone should cough up!
Callcredit are now 16 days into their investigation, with a threshold of 28 days for a full reply.
The last email from them today, they addressed it to Mr EDMUNDS!! This is not helping!
Any suggestions or ideas welcomed Edwin, regarding 'getting back' at these crooks for wrecking my credit rating and more importantly, my well being!
Hi Mark, the whole story is stuff of nightmares! Have any of the credit agencies or the finance companies got in touch with this other Mark chap or not? Have they confirmed whether someone else of this name exists? As they are such large amounts it seems strange that the agreements have been placed against your profile and not his (if he exists which i highly doubt). It smells like identity fraud a mile off to me. It'll be interesting to see what Call Credit come back to you with over the next week or so but the only thing i can advise is to ring a local solicitor and get some free advice - i think you have a case but it'd be interesting to see what a lawyer has to say. If this Mark guy doesn't exist then it'd be hard to pin down who to go after as it's just one of those awful things that happens. If the credit reference agencies confirm someone of this name exists and they made the error then you have a case in my eyes. I suppose time will tell but sit tight for now (without getting too stressed). Kind Regards, Edwin
Thanks Edwin, It seems there is another person with the same details as myself. All the details I've given to BMW and the acting solicitor of Honda, has satisfied them that I'm not the same Mark.
It's Call credit who are disputing the facts now, they used the word 'dispute' in their last email to me today. I shall speak with a solicitor asap I think.
To recap: Honda and BMW accept that I am the wrong Mark. Callcredit are disputing/investigating the case and I'm none the wiser, after 4 weeks of kick starting the investigation myself.
Thank you for you time Edwin, I'll keep you posted, I may be a while! :|
Hi Edwin, Well, after nearly 8 weeks I have some resolve. The CCJ has been removed, including all traces of BMW and Honda. Sadly, the 'AKA' and 'known associate' are still on my profile, this I will look into soon. I have, however, managed to pass a credit check for renting a new property. I will also be chasing for some form of compensation, rather, an apology, but a bit of cash wouldn't go a miss!
8 solid weeks of emails, texts and calls, has really taken it out of me. I have actually lost a bit of weight, through worry and the added stress of not being able to move away from nuisance neighbours! I'm moving in 6 days time, yay!
Thanks for reading!
Congratulations Mark - great news! You can now get on with your life and i'm confident you'll get some sort of compensation :-) Thanks for keeping us posted and hopefully people can learn from this issue. Kind Regards, Edwin