Help please - being chased for a loan taken out in my name

euronorris

I'm no expert, but I did a quick search and found this info for you:

http://statutes.agc.gov.sg/non_version/cgi-bin/cgi_getdata.pl?actno=1935-REVED-73&doctitle=DEBTORS%20ACT%0A&date=latest&method=part&segid=888373050-000291

I think you and your sister really need to make it clear that this is their responsibility and they HAVE to pay it back. Tell them to get up and get a job as this is not your responsibility! Plus, I think they need to be very careful as committing such acts could result in a prison sentence (again, I'm no expert here).

But certainly, if they were investigated, it sounds as though as lot of other fraudulent debt taken out by them would be found, which could land them in very hot water indeed.

And that's just ignoring the fact that they should be setting a good example to you and your sister, not the other way round!

OK, the other way to treat this is to keep all of your personal details very close to your chest. I know they have your DOB etc, but do you still live at home? Can you perhaps move out, get a place of your own, share with friends or even with your sister? And then don't tell them your address. I know it sounds harsh and drastic but they obviously aren't taking this very seriously and it's about time they did!

And, of course, you and your sister need to protect yourselves. All of this must be having a negative effect on your credit scores (until the loans/CC's are proved to be fraudulent at least), which will affect both your chances of getting a mortgage etc in the future.

Keep coming back here for help and advice. SOme of the people on here really know their stuff and can probably offer a lot better suggestions than I can!

I hope you work it all out for the best and don't forget to get your credit reports from the Credit Reference Agencies (CRA's) to check for anymore fraudulent debt. You should be able to do this for free with the free trials and this site has a whole page about it all.

Ames

I could be wrong, but I think fraud has to be reported to the police to be taken seriously. That was what I was told when my partner used my bank account without my knowledge. Although since Provident were complicit in the fraud it might be a bit different.

I really hope you find the strength to see this through to the end.

franhed

Bit more of an update.
Im still awaiting a letter written from my parents owning up to what they have done. I will give it till tomorrow then i will send my original letter off to provident explaining the situation again. Then will await an answer to see where i stand, and push for fraud if needed.

I've also checked my credit expert and asked them to see if theres been any attempts to take out credit in my name. And thankfully nothing since i have moved to my own house approx 2 years ago.

Having spoken to my other sisters, they too have ALL had the same but one actually paid it off for them. Again a provident loan. It seems to me like they definitely had some kind of 'agreement' with the Provident agent.

I dont know if i can use this to help my cause. As it will be very hard to prove all this

shellsuit

That's bloody shocking!! Doing it once is bad enough, but time and time again with different children & companies?!

I hope you can get it sorted out, I really do x

tallyhoh

Ummm, I know someone who "borrowed" clients cash & kept it. The clients went to the company he was employed by & they reimbursed them without involving the police as it would look bad for the company. As the collector was obviously involved its worth a try.

Back off or you go public.

mb73

franhed wrote: »

Having spoken to my other sisters, they too have ALL had the same but one actually paid it off for them. Again a provident loan. It seems to me like they definitely had some kind of 'agreement' with the Provident agent.

s

Couldn't this affect Provident's credit license? Maybe you should think about contacting the Financial Ombudsman Service too?

RAS

So the same Provident collector authorised multiple loans taken out by your mother in the name of several other memeber's of the family. Allowing it once might be a mistake. Repeated fraudulent accounts are not.

I suggest you think about gettignletters from all your sisters and report Jackie to the Provident.

This is not your problem once you do that.

Jesthar

I second RAS, get all the account details you can find (including the paid off one) and report them all as fraudulently opened - who knows, you may not be the only family this woman was has done/is doing this to!

And yes, your parents need to face up to what they have done as well, but this Jackie woman definitely needs to be stopped if she is still operating. If your parents are holding off on writing the letter, it may help you persuade them if you remind them that it will go better with them in any subsequent fraud investigation if they own up and co-operate rather than deny everything until they are forced too admit the truth.

Incidentally, it may be worth trying carefully to find out who originally suggested taking out the first of these loans, your parents or Jackie, as they will be regarded as having instigated the whole fraud.

~Jes

sleepless_saver

Might be worth taking out protective registration with CIFAS, to avoid problems in the future. It could slow up any credit applications you make, but would give you peace of mind.

RAS

sleepless_saver wrote: »

Might be worth taking out protective registration with CIFAS, to avoid problems in the future. It could slow up any credit applications you make, but would give you peace of mind.

Given the situation, definately worth doing although it may be best to tell potential creditors why the registration is there before they do the check.