Unbeleivable!!!

marklunn3602

Hi

I've just found 2 loans in my name on my bank account which I didn't apply for:eek:

These have been obtained by simply applying for them on the internet with no paperwork and no physical signature which I find absolutely astounding and I'm absolutely livid with the bank for allowing this (and of course the person that did it:mad: )

Does anyone know whether I can challenge the bank on this without dropping the applicant in it?

Mark

Miss_Piggy_2

I personally would WANT to drop the applicant in it! Do you know who did this?
Am sure you can probably sort this with the bank - f they don't have your signature I'm sure they aren't valid.

Miss P
xx

Odette

I know whoever the applicant is means alot to you but that is fraud pure and simple, does the person who does it really not deserve to be 'dropped' in it?

skintandscared_2

There is only so much a bank can do to prevent identity theft and misuse. I'm presuming the fraudster is someone you know very well or lives in your household? They are the one who has performed the illegal act and attempted fraud, not the bank!!

fizz190

Wow, what an awful situation to be in.

I imagine that banks are obliged to investigate any fraudulant activity reported to them. Even if you don't give any info about who did this/how it happened, they may well have to report these things to the police. How much time/effort the police have to investigate these things is another matter, but it's a risk.

If this is someone close to you, your only option may be to come up with a resolution between them. If it isn't - I personally would report it and let them deal with the consequences.

Good luck
Fizz

fizz190

Just found this info on the home office website:

Reporting identity fraud

In cases involving the use of plastic cards (such as credit and debit cards), online banking, or cheques, the matter should be reported directly to the financial institution concerned. They will then be responsible for undertaking further verification and investigation, and, as appropriate, reporting cases of criminal activity directly to the police where they will be recorded and subsequent investigation considered. It should be noted that this process is applicable to England, Wales and Northern Ireland only.

From http://www.crimereduction.homeoffice.gov.uk/fraud/fraud17.htm

megisabel

mark, as you know i know your situation and yes, i have done the same to my DH

infact, out of 14 creditors only 5 are in my name, the rest are in his and most of them opened without his knowledge

megisabel

possibly in your wifes (and my?) defence, whenever I made an application it always originated as me trying to sort the mess out without anyone knowing, a loan to pay cards off, or a card to transfer debt to.

But then the temptation to spend on them got too much and so it went on

fizz190

I think many of us have done things which, in hindsight, are very stupid when blinded by financial circumstances. I know I had times when I comtemplated trying to get loans on my mum's house in an attempt to solve my problems. Luckily I was too terrified to go through with it!

I hope you manage to resolve this.
Fizz

marklunn3602

I take on board what people say about dropping the applicant in it but thats just not an option.
What has really ****ed me off is the ease at which it was obtained.

In fact whilst I'm looking for someone to blame this whole bloody mess is the fault of the banks for practically giving money away:mad: :mad: :mad:

Mark

flowerscotland

marklunn3602 wrote: »

I take on board what people say about dropping the applicant in it but thats just not an option.
What has really ****ed me off is the ease at which it was obtained.

In fact whilst I'm looking for someone to blame this whole bloody mess is the fault of the banks for practically giving money away:mad: :mad: :mad:

Mark

its not the banks fault, as far as they were concerned you had applied for a loan with them they werent to know that it wasnt you

I would be blaming the person that did it tbh.