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  • FIRST POST
    • theboywho
    • By theboywho 10th Jul 17, 7:29 PM
    • 4Posts
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    theboywho
    Catalogue Fraud (from the other side)
    • #1
    • 10th Jul 17, 7:29 PM
    Catalogue Fraud (from the other side) 10th Jul 17 at 7:29 PM
    Unfortunately a family member has opened two store accounts in my name, without my prior knowledge or consent. This has reduced my credit rating to an unsatisfactory level, although I am aware this won't be the first time this has happened to anybody.


    From reading similar accounts on MSE and the web, I note that the matter of fraudulent transactions is fairly clear from the bogus account holder's standpoint, however when it comes to retailers allowing such a person to open a fraudulent account this, does it not amount to an offence on their part either?
    Is there no legislation against a retailer accepting bogus account information to the detriment of a third party?


    I am keen to know more with the obvious view that such responses do not constitute formal advice!
Page 1
    • stclair
    • By stclair 10th Jul 17, 7:32 PM
    • 6,325 Posts
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    stclair
    • #2
    • 10th Jul 17, 7:32 PM
    • #2
    • 10th Jul 17, 7:32 PM
    Which company is it?

    If they know all your details the company wouldn't have been suspicious.
    I Work For the RBS Group
    However Any Opinion Given On MSE Is Strictly My Own
    • zx81
    • By zx81 10th Jul 17, 7:32 PM
    • 12,449 Posts
    • 12,624 Thanks
    zx81
    • #3
    • 10th Jul 17, 7:32 PM
    • #3
    • 10th Jul 17, 7:32 PM
    No, the retailer has committed no offence.

    They are the defrauded party.
    • theboywho
    • By theboywho 10th Jul 17, 7:36 PM
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    theboywho
    • #4
    • 10th Jul 17, 7:36 PM
    • #4
    • 10th Jul 17, 7:36 PM
    Are there no measures in place to ensure that proof of ID is supplied? Surely that also means the retailer has no incentive at all to remove the debt from my name?
    • zx81
    • By zx81 10th Jul 17, 7:38 PM
    • 12,449 Posts
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    zx81
    • #5
    • 10th Jul 17, 7:38 PM
    • #5
    • 10th Jul 17, 7:38 PM
    Of course there are measures in place. But if someone gives enough of the right information, they will pass, short of giving blood.

    The retailer has every incentive to remove your name from the account once you've given them the crime number. They can't be seen to obstruct justice.
    • theboywho
    • By theboywho 10th Jul 17, 7:50 PM
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    theboywho
    • #6
    • 10th Jul 17, 7:50 PM
    • #6
    • 10th Jul 17, 7:50 PM
    That's atrocious, so there is no requirement at all to have a signature?

    Thank you folks for responding.
    • zx81
    • By zx81 10th Jul 17, 7:51 PM
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    zx81
    • #7
    • 10th Jul 17, 7:51 PM
    • #7
    • 10th Jul 17, 7:51 PM
    Signatures are required and are now electronic. A wet signature doesn't prove anything.
    • theboywho
    • By theboywho 10th Jul 17, 7:54 PM
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    theboywho
    • #8
    • 10th Jul 17, 7:54 PM
    • #8
    • 10th Jul 17, 7:54 PM
    So it appears to me that large organisations such as Grattan or Shop Direct can just accept a bogus account, without a robust check in place (proof of id, for example) even if it is to the detriment of a third-party?


    I am lost for words...
    • zx81
    • By zx81 10th Jul 17, 8:00 PM
    • 12,449 Posts
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    zx81
    • #9
    • 10th Jul 17, 8:00 PM
    • #9
    • 10th Jul 17, 8:00 PM
    As has already been said - if someone has all the ID answers, they will pass. Further ID checks take place where there are doubts.

    They're not actively looking to be defrauded. It's hugely expensive for them.
    • Carrot007
    • By Carrot007 10th Jul 17, 8:16 PM
    • 467 Posts
    • 362 Thanks
    Carrot007
    So you are another p[erson that wants the company to ignore the debt when you will not persue the case against your relative with the police?

    Sounds like your family are the bad ones here.
    • jessex1990
    • By jessex1990 10th Jul 17, 11:18 PM
    • 135 Posts
    • 71 Thanks
    jessex1990
    wouldn't the asking for a different address for delivery compared to whats on your credit report trigger a fraud alert?
    • Tarambor
    • By Tarambor 11th Jul 17, 6:50 PM
    • 870 Posts
    • 579 Thanks
    Tarambor
    If the scumbag family member provides all the documentation that the company asks for how is the company supposed to know it isn't a genuine application?

    You're being angry at the wrong people.
    • Tacosss1985
    • By Tacosss1985 15th Jul 17, 3:30 AM
    • 10 Posts
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    Tacosss1985
    No not an offence on their part, as others have said this is your relatives fault not the retailer.
    I've opened many accounts (store cards) we require ID address income details employment and length of time. If anything sounds odd or any discrepancies it gets referred to the credit team (new day) who carry out further checks with the customer.
    There are people who Work there who will make up an applicants income if the applicant doesnt want to disclose it or it sounds low so it will 'hopefully' go through, which I believe is wrong but they wouldn't fake an ID or anything like that
    • Westminster
    • By Westminster 15th Jul 17, 6:59 AM
    • 745 Posts
    • 458 Thanks
    Westminster
    Contact the police and action fraud.

    You can then give your crime / reference numbers to the catalog to have all record of the account removed from your credit files.

    You will probably end up with a protective CIFAS marker on your account (at no cost to you) which inhibits any automatic credit approval and ensures any credit applications will be manually checked by a person (so no instant approvals any more)
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    • forgotmyname
    • By forgotmyname 15th Jul 17, 11:10 PM
    • 25,276 Posts
    • 10,033 Thanks
    forgotmyname
    If you do not report it to the police they will probably consider the debt to be yours.

    We had a family member with the same problem. The answer is simple you report it to the police and make sure each company/debt collector know its not your debt and they have been defrauded.

    Then just check they remove all details from your credit file and your all clear.
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    • nic_c
    • By nic_c 16th Jul 17, 6:47 AM
    • 821 Posts
    • 503 Thanks
    nic_c
    The company is the defrauded party, they have sent goods and not been paid. They put in checks that they deem sufficient, which doesn't mean someone determined couldn't get round those but enough to keep fraud potential to acceptable levels - they are the ones to lose financially from fraud.

    You need to report it to the police and then give the crime ref to the organisation that owns the debt or the DCA. They will investigate and your report will recover
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