Credit Card Fraud HELP!

trencherpilot

A friend of mine, rang me yesterday as he knew I use this site and isn't online. He and his ex wife divorced 3 years ago, but she is still opening credit card accounts in his name and trashing his credit rating by not paying them.

Any solicitors out there, how can he stop this? And how is she doing it as he hasn't lived at the same address as her for 3 years?

Thanks

Trencherpilot

vwman_3

trencherpilot wrote:

A friend of mine, rang me yesterday as he knew I use this site and isn't online. He and his ex wife divorced 3 years ago, but she is still opening credit card accounts in his name and trashing his credit rating by not paying them.

Any solicitors out there, how can he stop this? And how is she doing it as he hasn't lived at the same address as her for 3 years?

Thanks

Trencherpilot

Tell him to get down to the Police Station and report it.......

trencherpilot

He has done, reported it to Experian et al too. The police are investigating it. How does he stop her doing it again?

trencherpilot

Sorry, got time now to fill the background in.

My mate had a wife with very expensive tastes that used to leave them short of money all the time, even when I worked with him 6 years ago, he never had any money, and his now ex could spend it faster than he could earn it. £80 haircuts etc.

They had a son, and shortly after she threw him out as she had another bloke. This is when the trouble started.

She emptied his accounts and screwed him in the divorce.

Contiued to demand money off him for maintenance for his son, but didn't pay any of the bills that she was demanding money off him to pay.

After the divorce, my mate thought that was that, and the reason he doesn't use this site is that he hates buying anything on credit... I know, I know. We both work in construction and are on very good money.

Anyway he applied for a mortgage and got knocked back as his credit rating was crap, so he went to Experian and found 3 credit card accounts and a bank account that had been fraudulently opened with a cancelled passport.

My friend has told all the companies involved that he knows nothing about the accounts and can prove that the address the bills go to is not his.

Someone at a bank has breached a code to open the account and I presume that the card accounts were applied for online.

What legally does he have to fill in etc to stop this happening again?

Browntoa

if he goes here

http://www.cifas.org.uk/protective_registration.asp

and registers for protective registration then they will ask for a password before issuing any form of credit

quote:-

When a CIFAS member organisation identifies a fraud, a warning is placed against the address or addresses linked to the application or account. The text of the warning says ‘CIFAS – Do Not Reject – Refer for Validation’. The warning shows the name used on the application or account but this does not necessarily mean the person named is involved in the fraud, as fraudsters tend to use a variety of names, some false and some genuine. The CIFAS warning will appear on the fraud prevention agency record of any person who has a link with the address. Any CIFAS member organisation subsequently checking that address sees the CIFAS warning. The warning does not mean the address has been blacklisted. It means extra precautions should be taken to ensure the application or account that has prompted the check of the address, is genuine and this protects the address from further misuse

James

Much easier, cheaper and more effective to do this:

The Simple Way to Foil Identity Theft:

http://www.techworld.com/security/features/index.cfm?featureid=1954

and

Taking Identity Fraud in Hand:

http://news.bbc.co.uk/1/hi/programmes/moneybox/3574779.stm

Hope this helps.