Nightmare Situation advice please...

Ms-Pacman

My partner has just got a capital one credit card for emergencies, not to really use, but one thing that comes free wit it is reports of any activity on his credit report - I think they use experian from reading stuff. I'd imiagine quite a lot of comapnies / banks offer this so might be worth asking if for any of the cards / accounts he has now if this service is available for free.

Worth finding out before paying a company for it.

dinkytwostep

Hi skyandeviesmummy
You need to protect your family from further fraud.
Contact Experian et al as soon as possible and ask them to set up a password to protect your credit ID . Make sure it's not a word that your MIL will easily guess.
When anyone tried to take out a loan, CC etc against your name they will be asked to provide the password before the payment/credit is agreed. it does slow down any credit applications you may make - but it should stop your MIL from getting any further credit in your husbands name.

You need to talk with someone at the Credit check agencies for advice as to having your OH's name disassociated from his previous address. (not sure if they can put a date of leaving against it or not).

Sorry I can't advise much more.

DTS

skyeandeviesmummy

Thanks again for all your advice.

I had no idea you could set up a password so I will be speaking to the three companies to try and get this done and will make sure its random!

His dad didnt know it had happened and has promptly buried his head in the sand trying to say it was a mistake etc. He really is an idiot where she is concerned.

Hubby spoke to his mum on the phone today in front of me (which is unusual) he told her in no uncertain terms that if the company involved cant wipe this and the CCJ he will have no option but to call the police to tell them about the fraud to get it removed and if it ever happens in the future he wont even speak to her first it will be straight to the police. She kept on with her appologies which he told her he doesnt want. After a long talk last night he now realises that it effects us all not just him. Its a very stressful time for me at the moment my dad was diagnosed with terminal lung cancer and although he is doing well we have been told that in no uncertain terms he wont have long and when he does go down hill it could be very fast. I know it sounds morbid but Ive been putting away a little money now and again to pay for my share of his funeral (I have 2 brothers) and to have this to worry about as well is horrible.

pickle

:eek: And I thought my relatives were bad! Good on your partner for standing up to them! They don't deserve to have a son like him. I can't imagine a parent doing this to their own child.

miserly_mum

pickle wrote: »

:eek: And I thought my relatives were bad! Good on your partner for standing up to them! They don't deserve to have a son like him. I can't imagine a parent doing this to their own child.

My ex inlaws were exactly the same as the OP's.

They took loans out in several of their kids names (just neglected to tell them about it) Including one in a son's name to pay for another daughters wedding.

Never paid a penny on it and he was left to pay it off because he didn't want to get his Mum and Dad into trouble.

Another trick was getting BT to put a phone line in in one name, run up a big bill then not pay it. Then a few weeks later get it back on in another name. Usually using a son in law so that the surname was different.

Nobody realised until they applied for credit (maybe months or years later) and the unpaid bills came up in the credit check

I used to really worry because my married name was exactly the same as my ex MIL. In hindsight that was probably a good thing as they used everyones name for credit EXCEPT their own :T

OP its really good to hear your hubby is standing up to his Mum on this matter.

My ex hubby and his siblings just accepted it as normal from their Parents.

Mind you you couldn't leave your bag sitting about when you were in their house either........but thats another story

ceridwen

Crikey...to amend a phrase "With relatives like that...who needs enemies?"

What a !!!!!/thief to have for a M.I.L. To act like that to anyone is literally criminal - to do it to your own flesh and blood my gawd!

I literally wouldnt go within a mile of that family..no matter what!

You've had good advice so far keeping a good eye on your credit rating.

Personally...I would pay the in-laws one final visit and one final visit only...to tell them just what would get let loose on them if they ever even tried to steal money from me again. They will doubtless whinge to their son (your husband) - but darn 'em...let them whinge would be my viewpoint.

Poor guy must be torn in half to have criminals as parents - and to find they are even commiting crimes against him!!...whew!

Thank goodness all my parents are is racists - I can just about deal with that ..at least they care for me...but criminals......whew!!

KentishLady

Hi

As well as getting copies of your credit reports which will highlight any other fraud in your names, you might want to consider registering your details with CIFAS under their protective registration scheme.

I do think that your DH needs to report all the fraudulent applications etc to the relevant authorities including the police as unless this is done they are always likely to try fraud again at some time in the future.

Sorry to be so negative but I wouldn't take the risk of something else popping up on your credit file(s) at a later date. They have fraudulently stolen money or goods by getting credit in your DH's name and it wouldn't surprise me if the companies concerned end up notifying the police anyway.

KL.

MrsTinks

Kentishlady is right - if the companies concerned can't recover the money from your husband because he says it's fraud they will VERY likely take the matter to the police - they don't like getting cheated out of money If your husband reports them (and I think he'll have to to get the CCJ removed) then he will speed up the process and avoid any chance (be it very small) of being accused of being an accessory to defraud - I don't think they will try that but mentioning it to him MIGHT just get his attention...

Debt_Free_Chick

skyeandeviesmummy wrote: »

I had no idea you could set up a password so I will be speaking to the three companies to try and get this done and will make sure its random!

You might want to consider Protective Registration under CIFAS - this way, there's no need to contact all the credit agencies as CIFAS put a note on your credit file to state ... "CIFAS-DO NOT REJECT-VALIDATION REQUIRED"

It costs £14 pa

skyeandeviesmummy

This situation hasnt ended we were told by Littlewoods Identity Theft Team that we would be written to within 3 weeks and that it would be removed from his file by 28 days but we heard nothing! He tried to ring yesterday but they said the team are only in mon-fri. I have no idea what to do from here as will he be fobbed off again I keep telling him to go to the police but as its his mum he is reluctant to do it. Its really effecting our marriage I dont know what to do anymore. Anyone who can suggest what to do from here as I have a funny idea he will be fobbed off again. Thanks in advance