Loan has been took out in my name - it's not me!

PurplePow

I just checked my free credit report through Noddle again today and I'm in a panic and need to know what I need to do and where I need to start.

It seems a loan has been taken out from a company named 'Gresham' for £110 in June, the balance in July is £120. I have not taken out this loan so obviously I've become a victim of identity fraud.

I need to know what I need to do to get this stopped, I'm trying to stay calm and not go off in a blind panic! I've tried googling 'Gresham loan' and it seems to me to be some sort of payday loan company?

Any advice is MUCH appreciated!

RAS

Readi this section http://www.cifas.org.uk/identity_fraud and ask about protective registration. This means that the person who has done it cannot do the same again. it does mean that applications for credit you make will take longer to process but might be worth it.

Write to Grasham rtomorow and send a copy to the credit agency with which this loan is listed, denying the debt and demanding a copy fo the loan documentation.

PurplePow

I'm trying to find any contact details or company information on Gresham but I can't! Do you know where I can get this info from? This doesn't appear on my Equifax report which I've just checked.

PurplePow

• Provider: Gresham
• Account Type: Unsecured Loan

I can't find any details for this company to inform them that I did not take this loan out! I don't know what to do to get this stopped?

RAS

I have looked on Companies house and there must be a hundred companies called gresham something or other.

PurplePow

How would I know which one is a creditor that gives out loans and is the company I should be contacting?

I went on and only could find one company?

bottleofred

Hi Gemma,

I could be wrong, but would think they'll send you a statement very soon. Hopefully you will then be able to contact them and proceed from there.

Good luck

Red

PurplePow

Hopefully they do - I'm eager to get this sorted asap but have no way of knowing who or what this Gresham company is. I have my Equifax report and it doesn't report on there, also getting my Experian report just in case.

lvm

Hey Gemma,

What about these people:

GRESHAM FINANCIAL SERVICES LTD
4 The Maltings
Roydon Road
Stanstead Abbotts
Hertfordshire
SG12 8HG
T: 01920 872400
F: 01920 871623

Maybe worth just phoning and ask to discuss an account you think you might have with them - think they have a debt collection department but it seems to be for commercial stuff.

Look at this article too http://www.csaconsumers-uk.com/consumer-news/9/statement

Good luck! Hope you get it sorted!

415SanFran

I have had this....

I was getting phone calls (3 a day once, till I said that I was going to report them for harassment)
turns out someone used my name, I have a very unusual last name. But they had not used my address, never did find out the company or the amount that I was supposed to have borrowed, as this was a collection agency, and would not discuss it with me once they found out that it was not my debt.
So I am really not sure how to clear my name.

fermi

415SanFran wrote: »

So I am really not sure how to clear my name.

Tells you how to complain from page 19 onwards of this

http://www.ico.gov.uk/upload/documents/library/data_protection/practical_application/credit_explained_leaflet_2005.pdf