URGENT FRAUD HELP NEEDED (Please) !!

Woowoo

Your GF must be absolutely livid, I don't know how her awful mother can live with herself.

I hope you get this resolved and your GF manages to protect herself from it ever happening again.

I just can't imagine living in a family where your parents treat you like that.

RAS

stumblingtrout wrote: »

I have done - and have been trying to phone all day too, to speak with the elusive fraud liaison lady...

Even better then

Dear GF's mum.

Thanks for the PDF. Am amazed, we asked EspressFin if they had sorted out the problem with you and only got a response yesterday saying they had not managed to get in touch.

Have forwarded your e-mail and asked them why they lied to us. Will let you know the outcome.

magpiecottage

I do not see why Halifax should be unable to change the account where there is such an obvious risk of fraud.

I suggest she write to Halifax to explain this and remind them that, under FSA rules BCOB 5.1.11 and 5.1.12, they will be liable for reinstating any fraudulent transaction.

Keep a copy of the letter then if it happens their position will be all but indefensible if further fraud does take place.

sp1987

stumblingtrout wrote: »

It's all being saved...

I don't think doctoring something like that is against the law unless it forms an article made or adapted for the use of exposing someone to a loss or risk of loss... or whatever the wording is...

Under the Fraud Act 2006 s2 which is fraud by false representation one has to dishonestly and falsely represent so as to make a gain or cause a loss. By making such a representation she is set to make a gain in not having to pay the money back (whether currently or at all). Section 5(2)(b) states that gain and loss 'include any such gain or loss whether temporary or permanent;'. So taking that literally, surely it is to include her not having to pay the money off, even if her efforts in doctoring documents only bought her some time?

http://www.opsi.gov.uk/acts/acts2006/ukpga_20060035_en_1#pb1-l1g5

Food for thought. Maybe someone else has a further take on it.

stumblingtrout

sp1987 wrote: »

Under the Fraud Act 2006 s2 which is fraud by false representation one has to dishonestly and falsely represent so as to make a gain or cause a loss. By making such a representation she is set to make a gain in not having to pay the money back (whether currently or at all). Section 5(2)(b) states that gain and loss 'include any such gain or loss whether temporary or permanent;'. So taking that literally, surely it is to include her not having to pay the money off, even if her efforts in doctoring documents only bought her some time?

http://www.opsi.gov.uk/acts/acts2006/ukpga_20060035_en_1#pb1-l1g5

Food for thought. Maybe someone else has a further take on it.

You're right.

However, with the offence of fraud by false representation, there is a victim - and the victim in this case is Express Finance Bromley.

I was trying to think whether there would be an offence where the victim is the crown - e.g. making articles for use in fraud... as then the police would take a complaint from GF rather than having to wait for one from ExFin...If you see what i'm saying...

Identity theft should be a crime (It's not at the moment - it's WHAT you do with that persons identity)

stumblingtrout

She just forwarded the email after being asked to.

Surprise surprise, it's from an email account in GF's name so it appears though she sent the email to herself.

I just lost my rag a little with her mum and sent her a text...

"GF's Mum, why do you have an email address in GF's name and why did you print the email, stick your address over the top and scan it in before sending it to GF? She's finding things hard enough as it is and she does not need this. She doesn't know yet, i'll let her enjoy her night out in London before I show her the email you sent at 2120 tonight. This whole situation has set her back no end. I'm after a simple answer, not an argument, insult or lie - for your daughters healths sake if nothing else. Stumblingtrout"

sp1987

stumblingtrout wrote: »

She just forwarded the email after being asked to.

Surprise surprise, it's from an email account in GF's name so it appears though she sent the email to herself.

I just lost my rag a little with her mum and sent her a text...

"GF's Mum, why do you have an email address in GF's name and why did you print the email, stick your address over the top and scan it in before sending it to GF? She's finding things hard enough as it is and she does not need this. She doesn't know yet, i'll let her enjoy her night out in London before I show her the email you sent at 2120 tonight. This whole situation has set her back no end. I'm after a simple answer, not an argument, insult or lie - for your daughters healths sake if nothing else. Stumblingtrout"

The poor girl having a mother like that. Some people are just born unlucky with the parents they get!

Hopefully it will make her all the better with her own children, won't be many mistakes left to make for herself!

Surely the instinct is to protect your children and nurture them, not steal money from them and lie to cover it. The sad thing is I'll bet your girlfriend would have given her the money had she asked.

Icanandwillsavemoney

Your girlfriend is lucky to have your support through what must be a horrible time for her. A time made even harder because the culprit is her Mum.

Wish you both all the luck and hope you manage to get everything sorted.