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Help re possible mortgage fraud

Smiley_Mum
Smiley_Mum Posts: 3,836 Forumite
I've been Money Tipped!
in House buying, renting & selling
Anyone ever had any experience of mortgage fraud etc. Sale fallen through due to it etc. I have posted a thread here. I'm a bit concerned that this person is claiming to live at my address to purchase a house in excess of £100k.

See here...

http://forums.moneysavingexpert.com/showthread.html?p=3652672#post3652672
“Ordinary riches can be stolen, real riches cannot. In your soul are infinitely precious things that cannot be taken from you.” - Oscar Wilde

Comments

  • pennylane99
    pennylane99 Posts: 5,783 Forumite
    1,000 Posts Combo Breaker
    could be an id theft....have you done a recent check on your credit report, try Experian or Equifax, I think they have a 30 day trial offer...see if any other credit has been obtained by someone else using your address....ie credit cards or loans etc...
  • silvercar
    silvercar Posts: 50,831 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    Their next trick could be to arrange for their mail to be forwarded. you will be none the wiser as the post office will forward all mail addressed to them to their new address whilst they still use your address.

    Going through this at the moment, with the previous occupants failing to tell creditors that they have moved. First I knew was when baliffs knockd on the door.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Smiley_Mum
    Smiley_Mum Posts: 3,836 Forumite
    I've been Money Tipped!
    Has anyone got a link for Experian/Equifax so I can get my credit file online? Any info appreciated. Thanks.

    Silvercar,
    Hope you get your problems sorted re previous occupants etc. What a pain in the butt, particularly with it coming up to Christmas as well.
    “Ordinary riches can be stolen, real riches cannot. In your soul are infinitely precious things that cannot be taken from you.” - Oscar Wilde
  • pennylane99
    pennylane99 Posts: 5,783 Forumite
    1,000 Posts Combo Breaker
    Smiley_Mum wrote:
    Has anyone got a link for Experian/Equifax so I can get my credit file online? Any info appreciated. Thanks.

    Silvercar,
    Hope you get your problems sorted re previous occupants etc. What a pain in the butt, particularly with it coming up to Christmas as well.

    Experian has a 30 day trial

    http://www.joincreditexpert.com/freecreditreportint/?sc=410006&bcd=interactivehomepage1
  • silvercar
    silvercar Posts: 50,831 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    Very little I can do. It was their address so its not ID theft, I can't notify companies that they've moved, even customs and excise wouldnt let me inform them they've moved!

    So I now just keep a utility bill, in my name, by the front door. Baliffs polite once I show them that. Postman now knows I won't sign for their stuff and they've redirected ordinary mail.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Smiley_Mum
    Smiley_Mum Posts: 3,836 Forumite
    I've been Money Tipped!
    pennylane99 wrote:
    Experian has a 30 day trial

    http://www.joincreditexpert.com/freecreditreportint/?sc=410006&bcd=interactivehomepage1

    Thanks for that, much appreciated. I'm going to sign up just now and get it done.
    “Ordinary riches can be stolen, real riches cannot. In your soul are infinitely precious things that cannot be taken from you.” - Oscar Wilde
  • maninthestreet
    maninthestreet Posts: 16,127 Forumite
    Part of the Furniture
    smiley_mum

    Have you tried to contact the vendors of the property the suspected fraudster is trying to buy, explaining your concerns?
    "You were only supposed to blow the bl**dy doors off!!"
  • Smiley_Mum
    Smiley_Mum Posts: 3,836 Forumite
    I've been Money Tipped!
    maninthestreet wrote:
    smiley_mum

    Have you tried to contact the vendors of the property the suspected fraudster is trying to buy, explaining your concerns?

    No I haven't but I have thought about it. Have a copy of the paperwork, although I did return originals. They'd be stung for nearly £150k if this deal goes through and the guy provides proof (how I don't know), that he lives at my address.
    “Ordinary riches can be stolen, real riches cannot. In your soul are infinitely precious things that cannot be taken from you.” - Oscar Wilde
  • maninthestreet
    maninthestreet Posts: 16,127 Forumite
    Part of the Furniture
    You may also want to register your name and/or address with CIFAS:

    http://www.cifas.org.uk/what_is_cifas.asp
    "You were only supposed to blow the bl**dy doors off!!"
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