MCO Capital loan

colinho

geomacl wrote: »

Colinho - you should have a private message (PM) - see top right hand side of forum posts

Is that the sound of hastily packed suitcases I hear from the North?
Hopefully result - I take back my snide comment about ActionFraud, good guys, doing a difficult job well, and trying to act despite "upstairs".
Still think one major lesson here is how bad the credit reference agencies are; they've colluded in this through sheer inattention. They too have a duty of care, which they've manifestly failed with. For Experian to accept business from this company despite its non-trading status, and then to continue to accept searches despite hundreds of problems of ID Theft showing up, with clearly incorrect data being utilised, is not just incompetence, it's enemy action.
I'll be writing to them, and moving the spoon to their pot as soon as MCO are put up against the wall.

geomacl

On phone to Amy at AF as I type - very helpful and she will give me crime report number at the end. Got it!!! Now got a CRN but have to write to MCO again (they have requested that I use their Bressenden Place address this time) That's letter #3 (one to IMperial House, one to Warwick and now this one) might have been cheaper to pay the loan back!!!
Progress!!!!

colinho

This is brilliant, check out http://www.freeidprotection.co.uk/index.html a flawless way of ensuring that your ID is completely protected, simply, all for the cost of three letters. Permanently!

geomacl

colinho wrote: »

This is brilliant, check out http://www.freeidprotection.co.uk/index.html a flawless way of ensuring that your ID is completely protected, simply, all for the cost of three letters. Permanently!

Looks great - BUT how does it work???? Are you trying it Colinho?
Just spotted a wee flaw!!! How do you get your thumb print to any company with whom you are entering a credit agreement - e.g. for gas/electricity/mortgage/insurance etc.? I have already applied a Password "Notice of Protection" to my Experian account - I can see how to make a password available but not a thumb print:eek:

colinho

geomacl wrote: »

Looks great - BUT how does it work???? Are you trying it Colinho?

It's the simplicity, just printing off letters to all three agencies, from myself and family,.
It works by adding the notice of correction to your file. Anybody viewing that file is clearly told that any application originating from you will bear your thumbprint. The only way for somebody to spoof you would be to provide their own thumbprint, which you could easily show wasn't yours. Ipso facto, no liability, in fact crooks would have to provide their own ID to try to steal yours.
Simply brilliant.
I will be making a contribution to the charities requested by this gentleman, and believe that the next time the Pope is here, he should look carefully at this miracle;-)

colinho

geomacl wrote: »

Looks great - BUT how does it work???? Are you trying it Colinho?
Just spotted a wee flaw!!! How do you get your thumb print to any company with whom you are entering a credit agreement - e.g. for gas/electricity/mortgage/insurance etc.? I have already applied a Password "Notice of Protection" to my Experian account - I can see how to make a password available but not a thumb print:eek:

You don't need to actually send your thumbprint - if they accept a thumbprint that isn't yours, it's STILL not your liability. The only flaw, is that in the event that you DO need a loan, you'll have to convince them that you really are you. I much prefer that problem.

dimdog

In terms of getting online reports through on action fraud, the advice is now to go down the identity theft- bank loan - refused to refund route. MCO are no longer being considered the victim from what I've heard. There's an additional details box that allows you to explain anything you think may be unclear, or to enter anything that didn't fit the earlier fields. May help those who can't get through at the moment.

Oldbloke_2

geomacl wrote: »

When I made contact with them via local police, I had to give them permission to speak to the PC and they asked for my DoB - I asked why? Then I asked them what DoB they had - they told me and I said that was fine . That is, I neither confirmed or denied - that seemd to satisfy them and as far as the PC was concerned my loan was cancelled!!!

Hi geomacl,

When you say you made contact with them, do you mean CMO, Intrum Justitia or someone else? When I mentioned their name in my Action Fraud call, I got the impression that they hadn't heard of the connection.

Beatfraud mentioned yesterday about Warwick and a firm called Intrum Justica. Google the name and Intrum Justitia Ltd. comes up. They're a worldwide debt collection agency and rather nasty by the sounds of it after you look at their flash website and start delving into forum posts...

Oldbloke_2

colinho wrote: »

You don't need to actually send your thumbprint - if they accept a thumbprint that isn't yours, it's STILL not your liability. The only flaw, is that in the event that you DO need a loan, you'll have to convince them that you really are you. I much prefer that problem.

I'm not so sure you're right. I only had to prove who I was with a CIFAS alert attached to my credit file. In the end I had to produce Birth Certificate, Driving License, Passport, Bank Statement and Utility Bill, just to satisfy a mobile phone company. Having had all my documents photocopied so that they could be faxed to their credit department, I had to ask for the copies as the bloke behind the counter was about to throw them in the bin! No doubt my entire ID is held somewhere by them. Not a nice feeling.

colinho

Oldbloke wrote: »

I'm not so sure you're right. I only had to prove who I was with a CIFAS alert attached to my credit file. In the end I had to produce Birth Certificate, Driving License, Passport, Bank Statement and Utility Bill, just to satisfy a mobile phone company. Having had all my documents photocopied so that they could be faxed to their credit department, I had to ask for the copies as the bloke behind the counter was about to throw them in the bin! No doubt my entire ID is held somewhere by them. Not a nice feeling.

Yep, that's certainly a drawback, but I think with that lock in place, you'd have 100% security, and as we've just discovered how easy it is for the system to be perverted and used against us, I'm posting the letters tomorrow. In some ways, I'd be happier to have to go to the lengths you describe.
What MCO have just done (I think) is work an exploit that existed - how many more exist to be discovered, and how many people are looking to exploit them? This won't be the last.
We we live in a society in which our masters are already talking about removing cash as a means of exchange - so in the foreseeable future we may depend entirely upon electronic means of controlling or safeguarding our assets, and for transactions. I'd rather make my myself too difficult a target for the crooks to bother with.