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

franhed

UPDATE

Many thanks for all your replies

sorry its been a while. I have finally heard back form Provident (sort of)
My partner has just phoned me to infrom me that providents regional security manager has jsurt come round to the house to speak to me.

So obviously its been taken further, but was kind of hoping i wouldnt have to be dealing with this any more. I can only hope this is a positive thing.

I will keep everyone informed up how it pans out.

mrbrightside842

Good luck with it! How awful for your parents to keep doing it to their children!

shellsuit

Oh good luck with it all and thanks for the update! x

misspoppy

Wow sounds like they are taking it seriously. All involved will have to face the consequences of their actions.

Good luck as this is a truely shocking case.

franhed

Latest update

Not good news for me :mad:

The regional security manager has just been round and to cut a long story short, I have to pay.
The signature is too similar too mine apparantly, so must be mine. I thought that was the whole point of a forgery???
And the fact that my mother wrote a letter stating that she took the letter out doesnt mean a thing, as i quote '' it could have be written by anyone'' , so they will not follow it up.

I feel so frustrated and helpless now.
Is there anything else i can do? i was thinking of going to the police myself and file it as fraud, but this wont stop provident chasing me.

I really dont want a CCJ against me, and importantly i dont want to have for this debt, i really am not in any position too.

edit
also how do i find out if it is statute barred? As the regional manager did mention it was over 6 years old

SiobhanG_3

You definitely should bring it up with the police. There is no reason why you should have to pay for this. Even if you think it's useless, there must be something they can do or someone they can refer you to.

shellsuit

Don't pay it. No way.

Let them prove it's you who owes it, which they can't, because you don't.

Ignore their bully boy tactics and if they say they will take you to court, let them!

Hope your parents are proud of themselves.

the_cat

I guess it all depends on how you feel about reporting your mum.
In order to report Prov, you have to accept that she will be prosecuted for fraud.

It is a really tough choice to have to make. Good luck with whatever you decide

m_13

franhed wrote: »

Latest update

Not good news for me :mad:

The regional security manager has just been round and to cut a long story short, I have to pay.
The signature is too similar too mine apparantly, so must be mine. I thought that was the whole point of a forgery???
And the fact that my mother wrote a letter stating that she took the letter out doesnt mean a thing, as i quote '' it could have be written by anyone'' , so they will not follow it up.

I feel so frustrated and helpless now.
Is there anything else i can do? i was thinking of going to the police myself and file it as fraud, but this wont stop provident chasing me.

I really dont want a CCJ against me, and importantly i dont want to have for this debt, i really am not in any position too.

edit
also how do i find out if it is statute barred? As the regional manager did mention it was over 6 years old

Most people's signatures change over time. Your signature 6 years ago is unlikely to be identical to yours now. A good handwriting expert should be able to compare the signatures and determine if they were written by the same hand. There's no such thing as 'too similar'!

Where did the money go? Was it a cheque? Who paid it in and where? What about the loans for your siblings? If there's a pattern then you need to show it.

If you are willing to continue this and this involves going against your parents then I think you need to be certain that your siblings will back you up and then all go to the police together.

Useless_with_wonga

I agree with previous posts. Refuse to pay on the basis that it is not your debt.
If not already done write to Provident outline your case place the ball firmly back in their court.
Let them make the next move. In actual fact it is the Provident that are the complainants in this matter and not you.
Your parents have commited fraud and have been aided and abetted by the Provident Agent "Jackie".
The loss has been incured by the Provident (unpaid debt)
Your only problem and I say only not to belittle it but to put it in context is that your parents have used your details (a sort of identity theft but not a too well thought out one:o)
You don't need to prove a single thing. The Provident will have to complain to the Police and not yourself.You are merely a witness for the prosecution (if Provident ever take it that far) and can only say what you know namely that you did not take out the loan and have no knowledge of it (Police may want a statement to that effect if it progresses to an investigation)
There is no onus on you to pay this whatsoever the Provident have been fraudulently duped out of their money by your parents with the apparent assistance of Providents own agent. That is not your problem it is theirs.
There is no way that you can be made to pay this debt don't let them tell you any other.
Basically what they are saying is "We have been conned but you are worried about what will happen to you so therefore as you are vunerable and it looks like your signature you can cover our losses and pay the debt back thankyou very much." ........Errrrrr I don't think so:mad:
Put it this way if the Provident turned up on your doorstep tomorrow with a loan agreement with all your details on and your forged signature and said that you owed them £xxxx would you pay it?
No of course not you'd tell em to take a hike. I suggest you do the same in this situation