<prompt> Human: Im not sure if this is the right place to post, but Im not sure where else to get advice.So about 6 months ago, without my knowledge, my mum used my name to order some things from a catalogue. Im not sure why, maybe she was blacklisted for being a complete idiot with payments. I started getting letters from this company saying I owe X amount, so I went and asked her WTF is going on.Apparently she has been meaning to pay it back, but since she is computer illiterate, she signed up with a new email account with my name in it, but she forgot the email account name and password, she didnt even bother to add a backup email account.So she said she was waiting for them to send out a payment slip with the next letters, but they never did, only a letter saying You owe X much, please visit your account to pay.Now Ive just received another letter saying that the debt has been passed on to a collector and we have until the 31st to pay it otherwise further action will be taken.Im now worried, and I dont know what to do. I understand this is technically fraud. But at the same time, its my mum and I dont want her to get in to some sort of trouble. But at the same time, I dont want this to affect any future credit record for me. Ive only ever owned a debit account and never taken out a loan or buy now pay later type thing, Ive always only bought stuff if I have the money. Hell, Ive never even dipped in to my overdraft.My question is, will this affect me? Can I even end up with poor credit rating or something even if its just my name on the account even though this is also my living address?Is there any safe action I can take so that this doesnt affect my future?Ive gone off my head at her and told her never to pull this shit again. Its out of order and I wont stand for it a 2nd time.Thank you for reading.  <response>: Sorry to be the barer of bad news, but this will definitely effect your credit rating.Pay it ASAP. 