Could I Be Prosecuted For Fraud

kenshaz

libitina wrote:

You cannot categorically state that the op will not go to prison. That would be up to a judge, as usually happens when the law has been broken.

Are you the crown proscecution service ,have you decided that a crime has been commited,please state the basis of your allegation

kenshaz

Well talk about making a mountain out of a mole hill,all this proves a point if you are ever in trouble sort the problem out yourself ,do not discuss it with a host of different people with different agenda's who do not have a clue about what they are talking about, and just want to cause alarm and worry,worry about it when it happens

hula-hoops

I am by no means an expert in law but, like most people, have plenty of experience of 'real life'.

We don't know what the OP needed the money for. Desperation can push people to do things they wouldn't normally do. The OP obviously accepts that they have done wrong and they are now trying to make amends. Sending the OP to prison will not benefit the creditors - you can't pay when you're locked up. It would be in their advantage to keep the OP out of prison and in work, making repayments.

In my opinion, the thought of not being able to get a mortgage, having a damaged credit rating and no bank account would probably be punishment enough. But I don't make the rules.

kenshaz

never_again wrote:

I think you should call payplan or one of the other charity debt companies and ask for advice. I appreciate that people are trying to help you, but in reality no-one on this site is in a position to say if charges could be brought against you due to the falsitys on your credit applications. Get expert advice.

Expert advice ,the decision is subjective and therefore no advice would be completely accurate ,who would you suggest,the police ,talk about jumping into the frying pan,a solicitor ,just an opinion ,the credit company well you would be a fool,CAB just an opinion,leave well alone ,this is just a breach of TC'S the money is being paid back ,it was the duty of the credit card company to check ,they are hardly going to admit they are in breach .Circumstances change ,fill in a form a week later ,who knows ,they do not keep confirming your financial details

kenshaz

kathfisch wrote:

Hi upthecreek :hello:

I honestly have no knowledge of how serious this situation is from a legal point of view so I won't comment on that. I do, though, want to say welcome to dfw!! If you are struggling financially (or will be soon) it is very stressful, I'm sure. Perhaps you could put together a statement of affairs with all incomings and outgoings to get a clear view of the situation. This level of information will be needed by any charity that you go to for help anyway. We can have a look at the SOA and perhaps advise on some savings/cutbacks to be made.

Obviously some people feel quite strongly about fraud... understandably... but this board is known for not being judgemental - all that matters is sorting out the situation in the best (and most legal ) way possible.

Good luck!!

This board is known for not being judgemental,some posts have the handcuffs on and have thrown away the key,positive thinking,why are we causing this post worry,just on personal bias

kenshaz

astonsmummy wrote:

someone i know remprtgaged their house fraudulently using their ex partners passport,
The police got involed then they werent going to look into it further until someone wrote to a top copper, (the file was taken off database) this was for £160k worth money by fraud and deception.
I'm not saying the op wont be punished but with companies like this as long as they get their money back they dont give a monkeys.

Realistic viewpoint,I was correct about this poster,she lives in the real world

liberty23

If you call the credit companies and ask them to send you a copy of all the details they hold for you, you will be able to sort out the ones where you have bent the truth and send them letters 'up-dating' your information to make it more accurate with your current circumstances. After that you can discuss with them ways of adjusting your re-payments without worrying about being caught out. Hope this helps.

angelsam1984

kenshaz wrote:

Well talk about making a mountain out of a mole hill,all this proves a point if you are ever in trouble sort the problem out yourself ,do not discuss it with a host of different people with different agenda's who do not have a clue about what they are talking about, and just want to cause alarm and worry,worry about it when it happens

Agreed kenshaz:D
Thats why I kept mine short and sweet - If none of your creditors know atm it was a white lie to get you out of trouble.
BUT that was at the time
As I said wages change, jobs change, situations change - Just notifying them of a vhange of situation will not draw attention to the original details just your current ones.

If i applied for credit now (and could get it :rotfl: ) my OH id currently earning an extra £4k per year temporarily for a year with a hope to becoming permenant I would not be lieing if i stated his earnings as x plus 4k = whaat they ask
and in a years time if he didnt keep the higher postion I would let the creditor know that my OH wages have dropped and hes lost a postion in work


Dont worry I am sure it happens all the time!

Everyone else stop putting the worries into the poor person!

Chin up Good luck!

Sam

angelsam1984

liberty23 wrote:

If you call the credit companies and ask them to send you a copy of all the details they hold for you, you will be able to sort out the ones where you have bent the truth and send them letters 'up-dating' your information to make it more accurate with your current circumstances. After that you can discuss with them ways of adjusting your re-payments without worrying about being caught out. Hope this helps.

Sry I missed your post - again agreed!

dips_3

Bambywamby wrote:

I would inform the companies that you have been demoted to your current job and cash status...so can "you" both together come up more reasonable payments.
That way you are getting out of your untruths and you will get some more time to pay your debts up.

.

NO - by doing this the OP would be adding further 'untruths' and this is not advisable.

The best advice would be not to offer any explanation but if asked do not lie.

The chances are that the OP will get out of the situation but if there is more to this than meets the eye and the banks/finance companies decide to prosecute then a history of lying to cover tracks will not look good and may even prompt the banks to consider taking action.

It is telling 'untruths' that got the OP into this mess in the first place. The best thing he/she can do now is to make every effort to pay what he/she owes as quickly and as honestly as possible.