Received suspected fraudulent loan application?

p4cm4n

Hi,

Getting a bit worried as I received a loan agreement in the post this morning addressed to someone I've never heard of.

The agreement, from FLM Loans, says that an application for £3000 has been approved and the agreement needs to be signed and returned so the funds can be transferred.

Initially, I thought the loan company had made a mistake and tried to call them but the only number on their documents is a premium rate number and I was kept in a queue for over 10 minutes. Emailed them, but no response.

However, I now remember receiving some credit card marketing offer in the post at the end of last year, addressed to this same person so it seems that someone is applying for a credit using my address.

What worries me is that thsi person must know they'll need to sign an agreement so how are they planning to get their hands on it? Is someone hanging around my house waiting for the postman? Or are they planning on breaking in?

I'm not sure what to do. Do I go to the police? The agreement shows a landline and a mobile number for the applicant - do I try to call and find out who he is/where he lives?

Any advice would be greatly appreciated.

crazyguy

p4cm4n wrote: »

Hi,

Getting a bit worried as I received a loan agreement in the post this morning addressed to someone I've never heard of.

The agreement, from FLM Loans, says that an application for £3000 has been approved and the agreement needs to be signed and returned so the funds can be transferred.

Initially, I thought the loan company had made a mistake and tried to call them but the only number on their documents is a premium rate number and I was kept in a queue for over 10 minutes. Emailed them, but no response.

However, I now remember receiving some credit card marketing offer in the post at the end of last year, addressed to this same person so it seems that someone is applying for a credit using my address.

What worries me is that thsi person must know they'll need to sign an agreement so how are they planning to get their hands on it? Is someone hanging around my house waiting for the postman? Or are they planning on breaking in?

I'm not sure what to do. Do I go to the police? The agreement shows a landline and a mobile number for the applicant - do I try to call and find out who he is/where he lives?

Any advice would be greatly appreciated.

P4CM4N,

Just email again and advise FLM that they are sending out an application form to the wrong address and that the person named does not live there, I wouldnt even bother phoning the number as the most likely case is that FLM are fishing for a new customer so ask that they confirm the removal of your address details and throw it away.

More contact details for this company can be found at The Richmond Group Ltd based in Bournemouth.

WhiteHorse

p4cm4n wrote: »

Getting a bit worried as I received a loan agreement in the post this morning addressed to someone I've never heard of.

It's not in your name, so that's the main worry dealt with. The problem is when they default and debt collectors come to your house.

Initially, I thought the loan company had made a mistake and tried to call them but the only number on their documents is a premium rate number and I was kept in a queue for over 10 minutes. Emailed them, but no response.

Getting people to dial a premium rate number is a common scam.

However, I now remember receiving some credit card marketing offer in the post at the end of last year, addressed to this same person so it seems that someone is applying for a credit using my address.

Yes, someone may be trying to use your address.

What worries me is that thsi person must know they'll need to sign an agreement so how are they planning to get their hands on it? Is someone hanging around my house waiting for the postman? Or are they planning on breaking in?

Yes, this does happen.

I'm not sure what to do. Do I go to the police? The agreement shows a landline and a mobile number for the applicant - do I try to call and find out who he is/where he lives?

Check them out secretly.

As you've had two of these it might be worth going to the police. Ensure that notes are taken and that you get the shoulder number of the officer concerned. This may be useful in the future.

immoral_angeluk

Contact the credit references agencies and CIFAS, as apparently they will be able to advise you further where people have been applying for credit at your address.

skint-student-nurse

FLM loans work on a guarantor basis,so someone would need to back up that loan before it would get approved. The person who guarantors the loan would ultimately be the one responsible for the payments if the main applicant decides not to pay. They also only pay the money into the guarantors account,not the applicants account. Definatly try and get in touch with them,if all esle fails,send them a recorded delivery letter. As far as im awear,FLM do not send out leaflets fishing for new business. I have first hand experience with FLM as ive used them in the past.

KingElvis

Probably a scam to get you to ring their high cost number.

Gregm

check http://www.saynoto0870.com/ and you may find a standard phone number that the high rate number connects to.

Check your credit report at a site like creditexpert.co.uk, I am not sure but if someone is trying to get credit at your address they may be shown as being linked to you or something.