Unauthorised credit in my name - fraud

deed02392

Hi,

I've just received a letter from 'very.co.uk' with a statement saying a number of items have been purchased in my name, with an invoice asking I make a minimum payment by the 17th June this year.

It's for two dresses and an Xbox 360 Kinect sensor which I suspected to have been ordered by my sister whose 21 and living alone with her boyfriend and son. When I questioned her she confirmed these suspicions. She had been rejected credit from them in the first case and now she's got it masquerading as me.

I want this clear of my name ASAP as I'm concerned I will be held responsible on account of being negligent if I don't make it clear I didn't authorise this, but what can I do? She still owes the money she doesn't have but it's all in my name!

Help!

McKneff

You will be held responible because it is in your name. They will chase you for the money.


Yu have 2 choices

Pay it yourself and get the money from your sister.

Call the police and report her.

The debt collection is down to you.

suicidebob

McKneff wrote: »

You will be held responible because it is in your name. They will chase you for the money.


Yu have 2 choices

Pay it yourself and get the money from your sister.

Call the police and report her.

The debt collection is down to you.

Really? How is she responsible if there is no contract between her and Very?

vax2002

Sorry but its police
You have only one option : Save yourself.
Or you may be Guilty of "assisting an offender", as you are aware a crime has been committed and is still in the course of been committed. So you have little choice, she will get a slap on the wrist, you can get jail if you dont report it and its proven you knew about it.
which it is !
The sentence for assisting an offender is from three to ten years' imprisonment.

molerat

She will be held responsible until she disputes the debt. She has 3 options

1) Accept responsibility, pay up and get the money off her sister.
2) Dispute the debt and dob her sister in for fraud.
3) Dispute the debt, deny any knowledge of it and be party to fraud.

snookey

Vax2002 dont go overboard. Deed you have two choices as Mkneff says. I would check your credit history to make sure she has not taken any other credit out in your name. As for her not having the money well Id say to her that unless she pays it you will be forced to go to the police.

vax2002

snookey wrote: »

Vax2002 dont go overboard. Deed you have two choices as Mkneff says. I would check your credit history to make sure she has not taken any other credit out in your name. As for her not having the money well Id say to her that unless she pays it you will be forced to go to the police.

Sorry but its the law, Section 41 criminal law act 1967 (1)
They are whole institutions filled with people who think it only applies to other people.
A crime is in the progess of Committal here, this is not a place for discussing ways of assisting her to pervert the course of justice.
The only advice offered must be to call the police and report the offence.

magpiecottage

You need to tell the creditor that you are the victim of identity theft in the first instance.

Normally, most victims have no idea who has stolen their identity but in this instance you do.

That raises a risk for you that if you know and do not tell them so, unfortunately I think you have to.

Although this might seem like you are "shopping" her, remember she has stolen your good name from you and you have every right to recover it.

deed02392

magpiecottage wrote: »

You need to tell the creditor that you are the victim of identity theft in the first instance.

Acknowledged. So I need to immediately tell the creditor of the circumstances, including that I know the culprit.

I comprehend the seriousness of the situation, I feel shocked.

How should I go about contacting the police? Is there a specific number to call other than the obvious 999 which doesn't seem appropriate here?

Thanks a lot for all you replies.

PS: I'm male.

jonesMUFCforever

Just tell Very what has happened - ask them if they want you to report it.
They might say no and will deal with it themselves -if not they will advise which section of the police to contact.

deed02392

jonesMUFCforever wrote: »

Just tell Very what has happened - ask them if they want you to report it.
They might say no and will deal with it themselves -if not they will advise which section of the police to contact.

Thank you, they have their own identity theft help line which I've sent an e-mail to. I'll keep this thread updated for the benefit of others.