im in a mess advise needed asap

susanne007

i have struggled with debt for a long time without my husband knowing anything about it a few years ago i started working as an agent for provident personel credit . i knew the customers really well as have known them for a long time as i live in the collecting area. one ov my customers said she would take a loan out for me as long as i paid it back and stupidly i agreed i kept up with the payments but still had a lot of debt. as the months went on i asked more and more customers to take loans out for me and ended up paying provident nearly 1k per week back. the customers all signed the loans willingly. a few weeks ago my husband found out about everything and i told provident everything. they have been to the customers and took statments from them and the police are coming to arrest me tomorrow i ended up having a breakdown and am petrified of what will happen

Boris_Allen

Oh dear, you are in a mess. The only advice I can offer you at this stage is to get a decent solicitor :S

There's one I can recommend, L Phillips QC, but I'll warn you now, he's very pricey!

A_nice_fellow

I would like to second the reccomendation of L Phillips, he has a reputation for tearing into the prosecution like a bespectacled piranaha

ss3n08

Oh Susanne, I really don't know what to say other than to agree with the previous posts. I hope you are able to sort yourself out x

susanne007

at least on the possitive side my husband is now aware of what is happening and am not hiding letters or switching the phone off cab have said they can not deal with criminal side but im not sure what i will b charged with is it theft fraud am just not sure

A_nice_fellow

fraud rather htan theft I think. your freinds were daft in cooperating with the poilice/provident as they have committed offences too, I am pretty sure (but this is not legal advice and I am not a lawyer)

get in touch with lee phillips asap!

anyway at least you weren't sleeping with another man (or were you? if it was one way you paid off your debts you should probably let us know now, we won't judge you!), so you will have still have your husband

susanne007

after 21 years ov marriage and 5 kids i have neither the time or energy for that

BitterAndTwisted

It'll be fraud, I expect. Please do not answer any questions the police put to you without a solicitor present. They will offer to arrange for one, so don't speak a single word to them until they have found one for you.

susanne007

even though the customer signed and agreed to it

quintwins

i'm confused as to why the police are involved (i might be being blonde) if the friends agreed to it and you didn't force them into it or do it behind there backs surely it's not fraud? and if you paid the repayments surely it's not theft

BitterAndTwisted

But YOU HAVE TOLD PROVIDENT EVERYTHING: you said that yourself in your first post. This possibly wasn't the smartest move you ever made. There might be a way for you to avoid prison but that will be up to the legal advice you receive when you get it. Meanwhile made absolutely no comment to the rozzers when they take you in for questioning. That is your right.