obtaining credit using a middle name

dave9571

hi,

i might well be in the wrong forum part but i'm looking for a general advice in regards to an issue regards obtaining credit using a middle name.or even signing a legal document with a middle name.

reason i ask is i thought this was a fraud act just looking for any advice on the subject as i have reasons to believe my ex landlord was doing this

for example some letter's was coming to my previous address sometimes with jv or vj or just plain v or j

any advice on subject would be a great help

PROLIANT

It is application fraud and you may be flagged up by fraud prevention agencies for providing falsehoods on you credit applications, do not be disillusioned by using a different permutation of your name thinking the lenders will not find your real data because they go off surname, address and DOB.
You might not get a fraud flag on your file however you may get an alias registered, a slipup once or maybe twice you may get away with but not repeated attempts of obtaining credit with a different name.

CLAPTON

well it depends... if the intention is to defraud then it would be illegal
however, there is nothing intrinsicaly wrong or illegal about using any name you want.
lots of people use names other than what's on their birth certificate....

Alex_LS

It is quite easy to change your name; you just start using the new one. This is perfectly legitimate as long as you are not doing it to deceive or defraud anyone. It is certainly not fraudulent unless that is the intention.

For certain purposes, you may need to provide evidence that you have changed your name; e.g. letter from a 'responsible person', public announcement, statutory declaration or deed poll.

dave9571

thanks for the advice on the subject i myself have not done anything like applying i'm just trying to get some advice on middle names being used in regards to obtaining credit

which i know my landlord has been doing fighting at the moment to get my deposit back
on the property i was renting but he is being an pain about it

tenancy agreement was in Vaughn with his surname yet the agreement for the rent deposit was in the name of john plus hes surname strange set up with the man

oh well least some of the advice has confirmed alittle in what i already know

thanks

NickX

I know some one who ran up £100,000s in Credit Card debts, they went bankrupt eventually. At one point they were getting rejected for new cards, but then started making applications where they swapped their forename and their surname. Surprisingly this resulted in some more acceptances allowing them to run the debts up further.

Mrs_Ryan

It may well be he uses different names for different things - for example, I have a double-barrelled surname but I have 2 bank accounts in just one surname, they are both completely aware of this and they are fine with it. It may well be Vaughn is his correct name but he is known as John, or vice versa? Perhaps the reason it is John on the agreement for the deposit is the name he holds the bank account in, perhaps that could be the reason why some mail comes in j or v... he may well use his correct name for things like council tax etc and his other name for financial things?
I changed my name via deed poll but my passport is still in my old name, and so is the name on the electoral register. the only things in my new name is my financial stuff. I've never had any problems yet - I didnt change it to defraud anyone, I changed it because I wanted to!
On the other hand if the whole set up is a bit dodgy, he could well be bluffing.

chattychappy

It goes without saying that it is the person who owes you the money, not a person of a certain name.

If I call myself James Bond and take a deposit off you and change my name to Margaret Thatcher I still owe you the money. You can sue me in my new name, no problem. Or use "also known as".

Obviously any evidence that he is using both names would be helpful in establishing that the chap is the guy that owes you the money. It would also suggest he is a somewhat slippery operator.