I commited fraud in fake names at my address and other addresses what happens now

Billy_two_speakers

bubbles1000 wrote: »

I commited fraud in fake names at my address and other addresses what happens now. will i go to jail?

I commited fraud in fake names at my address and other addresses in my flats what happens now. will i go to jail?
It all happened because i am young and stupid, it has ran over 2 and a half years. It was just easy to do. Everytime i applied for an account it was accepted with £125 credit limit so just kept on doing it and it made xmas and birthdays and even gettin myself clothing so much easier. I could not afford anything of this otherwsise because i was in so much debt with my rent and utility bills as well as a loan shark. I use to sell the stuff i got for free from the catalogue to make money to live
There was never any credit agreements to sign, it was that simple it became an obsession.

i feel like ending my life as i cant tell anyone, i live alone and it was so stupid of me to get out of control.

i have had depression and it was all that made me feel better.

I went bankrupt in january 2009 but didnt include all of this fraud items into my bankruptcy and have been on the straight and narrow since. I have never signed any credit agreements for this stuff, but it is still fraud.

what happens now as the company have just found out and the company are looking for restitution under the fraud act 2006

They say there is 10 grand of debt but 4 grand of it is fraud (other peoples addresses)

what does this mean?

am i going to jail?

please help

im so alone

you could be in more trouble than you think depending how they treat the extra debt if its treated as theft fraud then it does not affect your going bankrupt if its looked at as more debt then you also gave false info to that court

six months jail would be the sort of time IMO you might get... if you have never been in trouble and you have good legal staff could even be suspended

given you have just gone bankrupt I doubt you will end up paying money backIMO

RAS

bubbles1000 wrote: »

thanks all

i have called the guy who sent me and email saying i owed 10 thousand pounds- he said that as im bankrupt (as of january this year) he could have it prevoked, he said he could call the police.... he wants me to pay £400 by 14 days and apologise to the neighbours or he will prosecute me..

i was in tears on the phone, i was admitting all i done wrong, he didnt even want to hear why i did it.

Your starting point must be to STOP PHONING them.

You need to talk to a lawyer on Monday and you may then need to talk to the OR who handled your BR.

But please do not assume the person e-mailing you has any legal rights until you have taken advice. He may very well just be trying to frighten the living day lights out of you.

yellowduck_2

bubbles1000 I would strongly advise you get some legal advice. From what I can gather from your posts the police are not involved and you have not been charged with anything, am I right? So it looks as if the company is trying to get their money back without going to the police or have they said that they will go to the police if you do not pay back the money. I think you may be able to get the 30 mins free legal advice from a solicitor who does legal aid. Try not to panic, do you have a friend you could confide in who could help you and maybe go with you to a solicitor? I can understand how worried you are but you made a mistake and I am sure you have learnt from this.

bazwod

Bubbles

What everyone has said about getting legal advice is definitely the right thing to do. Speak to a criminal lawyer and go from there. A great website is criminal solicitor dot net. They may give you advice in the forum (although obviously bear in mind that they could realistically be anyone - don't mean to patronise, sure you'd think that anyway!!)

In terms of police involvement the likelihood is that even if the CPS did decide to charge you the chances of you going to prison are pretty minimal. Any admission prior to charge, let alone in court gets you massive 'bonus points' as it were.

And as cheesey as it sounds, there is no softer pillow to rest your head on than a clear conscience.

pepe2008

Are my Maths correct? Or am I missing something?

If you were applying ( fraudulently) and getting small limit credit, £125 you mentioned, then there must be a hell of a lot of accounts.
To have ONE company trying to recover £10,000 ( but only saying that £4000 is fraudulent? ) then you must have made multiple applications to a single Lender? Correct?

If that is the case you have more chance of it NOT going to the Police as they would look such prats themselves for letting this happen.

Once they ascertain that you have nothing to pay them, they may well leave you alone, even the Commission-Driven Chancer that has been phoning you who obviously believes that just because you were made BR a short while ago doesnt mean you have nothing to be frightened out of now.

Conscience-wise....its up to you. I cant and wont judge a person without fully understanding their motives and personal circumstances.

Personally I wouldn't go to the CAB...they would be 'obliged' to take it further I feel. A visit to a Lawyer ( free consultation ) would probably be a better idea. Not doing anything, ignoring the phone calls and hoping it all goes away is, to some extent, no worse than some people who run up a huge debt and then try to get out of it by claiming that the paperwork ( CCA ) is incorrect.

yellowduck_2

Oh by the way he can't "prosecute" you. Only the Crown Prosecution Service can prosecute you and for this to happen you have to be interviewed and charged by the Police so this man is talking utter rubbish and trying to scare you. Also the CPS only bring prosecutions when it is considered to be in the public interest and there is a reasonable chance of securing a conviction. So there's a long way to go before things get to this stage.

Billy_two_speakers

yellowduck wrote: »

Oh by the way he can't "prosecute" you. Only the Crown Prosecution Service can prosecute you and for this to happen you have to be interviewed and charged by the Police so this man is talking utter rubbish and trying to scare you. Also the CPS only bring prosecutions when it is considered to be in the public interest and there is a reasonable chance of securing a conviction. So there's a long way to go before things get to this stage.

true and not true in theory he could bring a private prosecution

The right to bring private prosecutions is preserved by section 6(1) Prosecution of Offences Act, 1985

thats one not brought by police or CPS

once started the CPS has the power under section 6(2), either to continue the prosecution or to discontinue it.

that said its not cheap and even for the amounts spoke of its not going to happen .....every so often you talk of people getting a fund going to bring one very few get to court

Eager_Elephant

Hi Bubbles,

If you are bankrupt all your debts are included in this regardless of whether you listed them on the form.

One of the exceptions is debts as a result of fraud/fraudulent breach of trust.

I think you should speak to your Official Receiver regarding this, they are very unlikely to prosecute you but they may give you a Bankruptcy Restriction Order which means you will not be discharged from bankruptcy after 1 year, it can be for more up to 15 years so you must adhere to the terms of your bankruptcy for longer.

It is up to the catalogue company to prosecute you and I am not sure if it would be worth doing.

If you owe one catalogue company £10,000 on different accounts then the accounts in your name will be wiped by the bankruptcy but if the debts in other names are classed as fraud you may still be liable.

Just remember a lot of this debt may be charges for non payment so that could be two years worth of £12 or £24 charges every month which may not be legal.

How have the catalogue company found out about this?

By the way fraud is a very difficult thing to prove as the intent to defraud has to be there, can they prove this?

EE

P.S I am going through this with one of my clients in my job.

bubbles1000

im so scared im only 25 (just) and i live on my own. I have come from homeless accomodation as my mum kicked me out when i was just 14.
i got my flat in 2005 and started to do the fraud in 2006/07, only stopped this year. Admittedly i used it for household items and to help pay off this stupid loan shark that i had a loan with.
I went bankrupt in jan this year as i was going to be evicted from my flat due to masive rent arrears, ive made it my first home where i feel safe. :-(
this is all so stupid i know.

They only found out because my neighbour looked on her credit report and wondered why her address was linked to mine. she contacted the mail order company which opened the whole can of worms, otherwise they would of never of found out...

I took debt out at my neighbours addrersses and as soon as it arrived i changed the address to my address so the bills would get sent to me. Also i made up names and date of births to get the credit. They obviously dont credit check as these people are fake people ive created and dont live at my address or the neighbours....

I had an email this morning from some agressive man from the Investigation & Police Liaison team at the mail order company...

first email-
I am currently investigating a fraud occurring at ********* in which goods from this company have been indirectly recieved by yourself at number ** After a breif investigation I have obtianed certain details including the IP address of the application. Please contact me as a matter of urgency. My next step is to prepare witness statements from ourselves and our courier and escalate this in to police investigation.

2nd email
Perhaps I can refer you to the 'history' button on your PC. The above account was applied for using your details giving the address of **
Interviews and witness statements with our courier service confirm delivery to your address **. You have denied these deliveries to your neighbour Mrs **** however I hold copies of several signatures obtained by the same courier for accounts in your own name, and those of Claire, Jenny, Janet ,Paul, Gemma, Ameila, Stephen, Amy, Emily,Carly,Jane, Hayley, Andrea, Alice, Ben, Rachel, Louise, Lucy and Pete **** at your address. All of which share your E mail address and password. Currently there are balances outstanding in excess of £10,000,00 (Ten Thousand Pounds) at your address with this group with at least £4,000 being obtained fraudulently. There are also 28 further failed applications at ********* and a further 117 applications at your current address. All this information has been collated and the company are looking for restitution under the fraud act 2006. A letter has been sent to your home address to confirm this.


Thats when i rang him, he had me in tears within minutes, very cruel and abrupt man... i was just on my way to hospital before i called him and he said so what.
He said i must pay £400 (which was the last debt i took out) within 14 days plus go to the neighbours and apologise. He said that if i didnt do it he would prosecute....
He then went on to tell me his options- 1 was to contact my official reciever and get my bankruptcy prevoked but he said then the debt would just all be transfered into my name and then id probably go bankrupt again so that wouldnt work in their favour, the second was to go straight to police.... the third was to let all the neighbours call the police by telling the ones that dont know what i did....

i wrote a letter and posted it in the neighbours door (the one that reported me) i apologised alot....

there is no way i can get £400 in 14 days as im on disabled benefits as i have a chronic lung condition and had to give up work.

im screwed i have been crying all afternoon at the hospital.

why did i do it?
you can all say nasty things and hate me, im already knocked down and cant get back up......
____________________

bazwod

blimmin nora bubbles, you're working yourself up arent you, poor you :grouphug:

The guy from the debt agency sounds like a total pain in the jacksy. I can't advise you about the bankruptcy side of it but maybe a little in relation to the criminal side.... If the agency have done work in relation to your IP address and spoken with the delivery agent etc it will really not be a hard case for the police to gather sufficient evidence to charge you.

Saying that, very few companies actually refer such matters to the police. That is one of the reasons that they have their internal fraud departments. As a few people have mentioned, nobody knows at this stage if it will get referred to the police or whether the company are just calling your bluff and want some of the payment back. I would see a criminal solicitor. Did you go on to the website I mentioned? They really will help you - criminal solicitor dot net. Have a search for it in google, I can't post links ....

And nobody hates you because of it!!