Defrauded! No help from CC company

Percy1983

I hope you get this all sorted, it can be an awful strain of relationships and i hope you and you OH are united with whatever route you are taking.

It does seem most things have already been said, so good luck and keep us posted.

Fiddlestick

diamonddogsuk wrote: »

Both the fraud department and debt management say that they won't freeze payments or the interest until this is sorted out, and as far as we can make out, the debt will only wiped if we have the family member charged, and this is the best bit, a conviction is secured. This is the family member's first offence, so how likely is that?!

The fact that it's a first offence has no impact on the likelyhood of a conviction.

chattychappy

Fiddlestick wrote: »

The fact that it's a first offence has no impact on the likelyhood of a conviction.

It could do, though perhaps not in the sense the OP meant. For some offences police will offer a caution if the "guy doesn't have form" and admits the offence.

Fiddlestick

chattychappy wrote: »

It could do, though perhaps not in the sense the OP meant. For some offences police will offer a caution if the "guy doesn't have form" and admits the offence.

A caution for fraud?

Unlikely.

chattychappy

Fiddlestick wrote: »

A caution for fraud?

Unlikely.

Well, they do caution for fraud. However unlikely (given the amount) they'd be even less likely to if he had a record.

Not convinced the police are treating it as fraud at the moment. Difficult to say how they are treating it given what we've heard.

diamonddogsuk

Hello - me again

Update: the OH has been back in touch with MBNA and had a chat with our personal fraud officer, because they sent him a form to fill in which was very confusing to say the least!

Anyhoo, this lady told him not to worry and not to get involved with the "What would you like us to do?" offers from the police. She told him that they can deal with our stepson however they see fit, and as soon as they receive this form back, and they're satisfied the police have done all they can, the debt will be wiped - she did say that the loss is theirs not ours, and they will try to get him to pay them back. Whether the police caution or charge him is up to them, it makes no difference to MBNA.

So, all seems well as things stand now... as long as they're satisfied the police have done all they can...!

Again, thanks everyone for your help.