welcome finance loan fraud

Lexxi

OH has had a letter from a debt collection agency saying he owes welcome finance almost £3000! OH has such a bad credit score he can't even get a bank card!! He is trying to find out what is going on but they have said since he can't satisfy the data protection questions they won't give him any info and he needs to go to the police! I don't understand how they can still say its his loan when they can't prove it, they just keep saying we need to disprove it.
I have listed all the addresses we have lived at over the last two years, that I can remember and they just keep saying it wasn't taken out from any of them.
Its an utter joke and I don't see why we should waste the polices time when we don't even know for certain that they have the right person

Tixy

Just send them the prove it letter - http://forums.moneysavingexpert.com/showpost.php?p=11570893&postcount=2 and then don't enter into any more correspondance with them until they have sent you written proof of the debt and that it is his.
It could easily be a mistaken identity and they are looking for someone with the same name.

Has he checked his credit reports with the CRAs to see if this debt is listed?

Lexxi

Thank you for your help. I am going to send off for his credit report just to make sure there are no others and to make sure it isn't listed. Welcome finance wouldn't understand that I wasn't prepared to go to the police when they wouldn't tell me when or where this loan was taken out.

Also, I went on their website earlier just to see what info they need to give you a loan and they no longer lend money, does anyone know when they stopped lending?

Tubbss

Hi
They stopped lending at the end of 2009.

Lexxi

Hi we were in the process of moving when I posted the above, should I still send the prove it letter and what address should I put on it?

Apples2

Lexxi wrote: »

Hi we were in the process of moving when I posted the above, should I still send the prove it letter and what address should I put on it?

Yes, and put your new (current) address on the form.

Use the references they have stated on their own correspondence to you and also state the address for you they have been using.

Bad Credit and Welcome Finance go hand in hand, I take it OH is absolutely certain there is nothing to substantiate their claims? Have you checked OH credit files with all three agencies?