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  • FIRST POST
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 4:21 PM
    • 168Posts
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    himynameisaaron
    Brother problems
    • #1
    • 8th Sep 17, 4:21 PM
    Brother problems 8th Sep 17 at 4:21 PM
    Hi

    Had a conversation with my brother today regarding him purchasing a car, he is currently at the dealership with my mum and started asking me questions like "Is it okay to put you down as a family member?", and about work income and how much I receive each month between my two jobs. I then started to be suspicious because he wanted to know my sort code and account number.

    Now, would this be for a regular Direct Debit whereby if he fails to make a payment then he will come to me or would it be just a quick credit check? I wish I never gave him all those details now because he never told me what he was doing with the bank details, so am not really happy.

    I don't want to ask him why he needs all those details without wanting a second opinion first.
    Last edited by himynameisaaron; 08-09-2017 at 4:26 PM.
Page 2
    • onomatopoeia99
    • By onomatopoeia99 8th Sep 17, 8:27 PM
    • 3,351 Posts
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    onomatopoeia99
    Rarely works out really but I understand your sentiments.

    I am, however with Polonious from Hamlet... (Wasn't Shakespeare such a prescient man, and it is the same now as it ever was.

    Polonius:
    Neither a borrower nor a lender be,
    For loan oft loses both itself and friend,
    And borrowing dulls the edge of husbandry.
    Originally posted by melanzana
    I'm quite happy with my mortgage, as are millions of other people in this country. I'm not living in rented my whole life, paying some BTL landlord's mortgage for them.
    INTP, nerd, libertarian and scifi geek.
    Home is where my books are.
    • ViolaLass
    • By ViolaLass 8th Sep 17, 9:19 PM
    • 5,020 Posts
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    ViolaLass
    Rarely works out really but I understand your sentiments.

    I am, however with Polonious from Hamlet... (Wasn't Shakespeare such a prescient man, and it is the same now as it ever was.

    Polonius:
    Neither a borrower nor a lender be,
    For loan oft loses both itself and friend,
    And borrowing dulls the edge of husbandry.
    Originally posted by melanzana
    Just because it's famous doesn't make it an absolute truth.

    Polonius was being an over-cautious old bore.

    Nothing wrong with mortgages, for example. Also, I lend lots of money to the bank all the time and regularly use my 0% credit card. My risk is tiny.


    OP, you need to make sure you're telling the truth when claiming otherwise YOU are open to being accused of benefit fraud.
    • maman
    • By maman 8th Sep 17, 9:29 PM
    • 16,672 Posts
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    maman
    Sorry, I don't know your circumstances from other threads as some people seem to.

    On the face of things I can't see why you would even think of giving your bank details to your brother when you don't know why he wants them. I really don't think he could set you up as a guarantor with just your a/c number and sort code. My DD has just done that for DGD's student house and they needed bank statements and things. Having those details would allow transfer in but not out. Same thing with a direct debit unless he could impersonate you in some way.

    I'd be asking him ASAP why he wanted to know and tell him that anything set up in your name without your permission is fraud.
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 10:42 PM
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    himynameisaaron
    I have just spoken with my brother and the reason he needs my sort code and account number was because of my history (work history, income etc), which I heard nothing of until today.

    Must have been the reason why he asked me for three years worth of work history and much I earned.
    Last edited by himynameisaaron; 08-09-2017 at 10:50 PM.
    • tberry6686
    • By tberry6686 8th Sep 17, 10:56 PM
    • 959 Posts
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    tberry6686
    If your brother is buying a car then he does not need your bank details or work history etc. There is something wrong with all of this. I suspect he has signed you up as a guarantor.

    I take it, it is not a main dealer that he is buying from ?
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 10:58 PM
    • 168 Posts
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    himynameisaaron
    If your brother is buying a car then he does not need your bank details or work history etc. There is something wrong with all of this. I suspect he has signed you up as a guarantor.

    I take it, it is not a main dealer that he is buying from ?
    Originally posted by tberry6686
    Bristol Street Motors.

    Where do I go from here, because he's quite obviously lying isn't he? I'll try get more sense out of my mum tomorrow once she's finished work. If she says the same or similar, report for fraud?
    • gettingtheresometime
    • By gettingtheresometime 8th Sep 17, 11:02 PM
    • 2,774 Posts
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    gettingtheresometime
    I have just spoken with my brother and the reason he needs my sort code and account number was because of my history (work history, income etc), which I heard nothing of until today.

    Must have been the reason why he asked me for three years worth of work history and much I earned.
    Originally posted by himynameisaaron
    He's not buying the car in your name is he?

    Sounds decidly dodgy
    Lloyds OD / Natwest OD / PO CC / Wescott cleared thanks to the 1 debt v 100 day challenge


    Next on the list - the Argos Card!
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 11:05 PM
    • 168 Posts
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    himynameisaaron
    He's not buying the car in your name is he?

    Sounds decidly dodgy
    Originally posted by gettingtheresometime
    Sounds like the time to report for fraud, because when approaching him he said "Oh, because mum needs it as well" ?!?!?! What Fu**king for!!
    • tberry6686
    • By tberry6686 8th Sep 17, 11:05 PM
    • 959 Posts
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    tberry6686
    I would call the dealer and find out exactly why they wanted your info. Depending on what they say (unlikely to be of much help) I would speak to my bank as this does sound like fraud.

    Do you have an account with noddle (CRA) might be worth checking if any credit checks have been done recently against your name that you are not aware of. If so it should tell you which company made those checks and then you can contact them to try and get more info.
    • cjdavies
    • By cjdavies 8th Sep 17, 11:08 PM
    • 2,600 Posts
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    cjdavies
    Nothing to do with a credit check, good luck with that one.

    Do you have online banking? Get checking.

    Thanks everyone. I have learned the hard way and am going to cancel and request a new card.
    Originally posted by himynameisaaron
    Cancelling the card is not going to a make a difference, it's the same still sort code and account number.
    Last edited by cjdavies; 08-09-2017 at 11:14 PM.
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 11:13 PM
    • 168 Posts
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    himynameisaaron
    I would call the dealer and find out exactly why they wanted your info. Depending on what they say (unlikely to be of much help) I would speak to my bank as this does sound like fraud.

    Do you have an account with noddle (CRA) might be worth checking if any credit checks have been done recently against your name that you are not aware of. If so it should tell you which company made those checks and then you can contact them to try and get more info.
    Originally posted by tberry6686
    I have checked with two of the relevant Credit Reference Agencies (MSE Credit Club and Noddle) and no searches have been made on behalf of Bristol Street Motors today.

    I have no choice to ring them in the morning to clear the situation up as I don't feel am in a very good place at the moment, being stuck in the middle of a family 'rift' if that's the case, nor is it doing much good for my mental wellbeing.
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 11:19 PM
    • 168 Posts
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    himynameisaaron
    Nothing to do with a credit check, good luck with that one.

    Do you have online banking? Get checking.



    Cancelling the card is not going to a make a difference, it's the same still sort code and account number.
    Originally posted by cjdavies
    I have taken a look at OB, and see no transactions nor withdrawals being made. His paperwork is lying around in the kitchen while he takes a shower and it seems Bristol Street Motors have taken payment of £200 from his 16 digit card number, but doesn't say what for on the receipt.

    It also doesn't say anything about me on the paper work.

    Does anyone know when you first buy a car, do they just take an initial payment?
    Last edited by himynameisaaron; 08-09-2017 at 11:27 PM.
    • goodwithsaving
    • By goodwithsaving 8th Sep 17, 11:49 PM
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    goodwithsaving
    Rather than ifs or buts, why don't you just call them first thing and get answers from the horses mouth? I know you won't sleep and want answers now, but strangers on a forum aren't going to provide those for you. Don't rely on family members for truth. It's obviously serious and also weird as to why he would ask for bank details. I'd also tell my siblings where to go if they wanted to know earning history.
    Credit reports aren't updated the same day, normally at a set time each month.
    Every time you borrow money, you’re robbing your future self. –Nathan W. Morris
    • himynameisaaron
    • By himynameisaaron 8th Sep 17, 11:51 PM
    • 168 Posts
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    himynameisaaron
    Thank you. Going to phone them first thing in the morning at 9am once they're open and update you all.
    Last edited by himynameisaaron; 08-09-2017 at 11:53 PM.
    • Pollycat
    • By Pollycat 9th Sep 17, 8:05 AM
    • 17,682 Posts
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    Pollycat
    Aaron
    Did you sign anything when you were in the car dealership?

    I can think of no sensible (and honest) reason why your brother would ask for your bank details if he is buying a car.

    I have just spoken with my brother and the reason he needs my sort code and account number was because of my history (work history, income etc), which I heard nothing of until today.
    Originally posted by himynameisaaron
    Your brother is talking nonsense.

    Sounds like the time to report for fraud, because when approaching him he said "Oh, because mum needs it as well" ?!?!?! What Fu**king for!!
    Originally posted by himynameisaaron
    Be very wary of starting something unless you are 100% sure that your brother has actually committed fraud.
    It is a serious allegation.

    I hope the news is good and it turns out that your Mum and brother haven't tried to take advantage of you.
    • Pollycat
    • By Pollycat 9th Sep 17, 10:07 AM
    • 17,682 Posts
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    Pollycat
    Hi Boris,

    Thank for your kind words. She is not alright in the head, and hasn't got my disability down to a T when describing me during an assessment for PIP.

    We received a form before going down to an assessment as I was previously on DLA asking if I wanted to move to PIP, I repeatedly told my nmother 'No, I can get around fine; cook meals; iron my own clothes; pay bills; bath myself etc' Yet insisted on filling and sending away the form because "it's more money in my pocket" according to her. Completely overshadowing what I said about not wanting to claim PIP because I feel fine.

    Upon invitation to the assessment many weeks later she found the cheek to self-diagnose me with anxieties which I don't even suffer from. You either get assessed and diagnosed by your GP, otherwise you don't have it. Then began kicking me gently with her foot when I said the wrong thing than what she wanted me to say just she can pull the wool over the assessors eyes.

    She would have said things like:
    "Aaron needs constant supervision when pouring a cup of coffee in case he burned his hand" or "He struggles to understand how to read cooking instructions". Fair enough I have autism but she takes things too far sometimes.

    I have been destined to write this post for a long time, but wasn't too sure how to word it properly until now. She's a fraudulent liar.
    Originally posted by himynameisaaron
    Aaron
    I find this very worrying.

    It sounds like your Mum may be taking advantage of you.

    You had another thread where you said your Mum was your appointee and that you maybe didn't need her to be anymore.

    I and another poster asked some questions on that thread about your Mum being your appointee but you didn't come back to the thread.
    • Nicki
    • By Nicki 9th Sep 17, 10:24 AM
    • 7,516 Posts
    • 26,299 Thanks
    Nicki
    Could the brother be fraudulently applying for a motability car in OP's name I wonder?

    I disagree with Pollycat and I would let the police or adult social care know what has happened so that they can speak to the brother and the garage and determine what the info has been used for and put a warning shot across the brothers bows. It seems unlikely that OP will get an honest answer from either his mother or his brother about this and it also seems that they are taking advantage of his autism in ways which are possibly illegal and could increase his vulnerability
    • ecgirl07
    • By ecgirl07 9th Sep 17, 10:31 AM
    • 613 Posts
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    ecgirl07
    Have they used your name to finance a motobility car?

    http://www.motability.co.uk/about-the-scheme/
    • himynameisaaron
    • By himynameisaaron 9th Sep 17, 10:36 AM
    • 168 Posts
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    himynameisaaron
    Hi everyone

    To clear the situation and put it under the carpet, I contacted the dealership this morning to say why would they need my sort code and account number. It turns out he wanted to make me a financial guarantor, but this declined when running a credit search. Therefore, he would have to pay for his car independently since my credit check failed, as did my mum's.

    I think they do this before I need to sign a deceleration form. Anyway, good news is that nothing will be taken from my bank account.

    Thank you for all your help.
    Last edited by himynameisaaron; 09-09-2017 at 10:38 AM.
    • Pollycat
    • By Pollycat 9th Sep 17, 10:39 AM
    • 17,682 Posts
    • 45,018 Thanks
    Pollycat
    Hi everyone

    To clear the situation and put it under the carpet, I contacted the dealership this morning to say why would they need my sort code and account number. It turns out he wanted to make me a financial guarantor, but this declined when running a credit search. Therefore, he would have to pay for his car independently since my credit check failed, as did my mum's.

    I think they do this before I need to sign a deceleration form. Anyway, good news is that nothing will be taken from my bank account.

    Thank you for your help in trying to achieve the likely outcome of all this.
    Originally posted by himynameisaaron
    But the bad news is that your brother tried to take financial advantage of you.
    And it would appear that your Mum knew this.

    Perhaps you should be questioning whether your Mum is an appropriate appointee for you.
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