I think my partner has been a victim of identity fraud !!! Help !!

buffness

Hello all

I think my partner has become a victim of identity fraud/theft and I am looking for some advice please.

He checked his credit report last night only to see that he is in default on 6 (yes 6!!) credit agreements that he knows nothing about!

He left his ex partner on bad terms and it was even apparent that his ex partner had opened 2 of these whilst they were still together! :mad::mad:

Can anyone give us advice? Because I have used the forums on here for a good year or so, I have picked up information and advised him to write to the companies for the credit agreements. Alot of the companies have wrote back to him advising that they are looking into it, however the 2 accounts with Lloyds TSB we have heard nothing back from them.

This is obviously affecting him to get credit - can you please advise us where to go next once the companies respond with the credit agreement? Especially if alot of those were done online where he cannot prove his signature.


Many thanks

JustinCredibleGillespie

Bumping up the board for you.................

My advice would be to contact the police. Someone should be along soon with more knowledge.

buffness

Many thanks

Tixy

Hi

First I'd sugget he looks into CIFAS protective registration (costs £14 for a year but will stop any more attempts at taking out credit).

I wouldn't write for the credit agreements in the first instance - by asking for credit agreements creditors tend to automatically think all they have to do is produce them and they'll have proved the debt and he'll then pay up.

I would start by writing to them saying you have notice the account on the credit file and have no knowledge of the debts and believe they may have been openend fraudulently. This lets them know right from the beginning that he is disputing the debts and doesn't know what they are. He should then ask that they send him information as to what date and what address the account was taken out at, when it was opened, and for a full list of transactions.

He'll likely need to contact the police for the creditors to take seriously his claims that the debts are not his. In the meantime assuming these were taken out at an address he no longer lived at it might be useful to try to pull together some evidence of where he was actually living at that time.

You say he checked on credit report last night - I'd also get him to check the other 2 as there may be more accounts on those.

You say you've heard nothing back from lloyds? if he only wrote (or I guess emailed) them yesterday or today then they still have plently of time to respond. (Although it should have been a letter to ask for the credit agreements as he needs to include the £1 payment.)

FraudBuster

What should you do if you’ve been a victim of identity fraud?

http://www.actionfraud.org.uk/fraud_protection/identity_fraud

buffness

Many thanks for the responses. We are going to sit down tonight and work on this! Thanks again

buffness

Can someone please help us on this?

I have just sat down and looked at his credit file and there are loads of things in there he does not recognise.

I am using Creditexpert here for the credit report. We are going to check the other two shortly.

Firstly, if I start with the credit agreements:

There are about 12-14 accounts that are showing as defaulted and that he knows nothing about. He has gone ahead a few weeks back and wrote to the companies mentioned asking for credit agreements because I initially thought this was the right thing to do - alot of them have wrote back saying that they are trying to retrieve the credit agreement and asking him to pay up once they have been found. Obviously, he is not going to do this because they are not his debt.

Aliases.

The entry here has stated his correct name, and his surname has been changed. To protect his identity (excuse the pun!), I will use a different name but say if the correct name was RICHARD MCDONALD, the bit in the "Also Known As" is RICHARD MCDONAGH. This has been confirmed by HUTCHINSON 3G UK LTD which I think is the Three mobile network. This is dated 06/04/2011. He said that in April 2011, he received a sim card for a SIM ONLY contract through the post from this network. He phoned them up and said they havent received this and they have also spelt his name wrong. Three said thats fine, they will cancel.

Public Record Information.

This is the worrying part as I am presuming these are CCJs.
There are 4 entries here which he knows NOTHING about.

Number 1 is a "judgement" dated 10/2009 from Northampton County Court. The amount is £1459 and the information here is "Registry Trust LTD"

Number 2 is a "judgement" dated 10/2009 from Northampton County Court. The amount is £1195 and the information here again is "Registry Trust LTD"

Number 3 is a "judgement" dated 04/2010 from Northampton County Court. The amount is £505 and the information here again is "Registry Trust LTD"

Number 4 is a "judgement" dated 10/2009 from Chesterfield County Court. The amount is £1569 and the information here again is "Registry Trust LTD"

These are obviously a cause for concern!!


Previous Searches:

There is a whopping 118 searches here. We are aware that these drop after six months and he can only say he has only done about 10 searches on his credit file in the last year. We are going to go through these one by one but again, the surname stated in these searches have been spelt differently, but very similar to his surname.

Linked Addresses:

The linked addresses here again, have different spelt surnames but very similar but also, his previous addresses have been tweaked slightly to his actual listed address. For example, Say if the correct address was Flat 9, 35B Whitworth Street West, Manchester - some of the linked addresses here state, Flat 9, 350 Whitworth Street West, Manchester. There are 45 entries here!

There are no CIFAS or GAIN records on his profile.


ANY kind of help here is greatly appreciated. We have just reported it to the police and someone is going to call him tomorrow for a chat and to book an appointment to talk things through

If someone can advise us where to go with ANY of this, then PLEASE help!!

Nice to do this on a Friday evening!!


Thank you

xxxx

e4rub

I would seriously look at getting the police involved. As the variations on name/address are not a mistake but obviously done by somebody who knows how to work the system. They need to be prosecuted in my opinion

buffness

Thanks for the response. We are going to get Manchester Police involved as we have booked an appointment with them.

AllyS

This happened to me and my ex dh a few years ago now, by people that moved into my house. Luckily they didn't know our date of births so easy to disprove and also the police found out she used her own personal e-mail address!

Anyway you have done the right thing involving the police, most debt agencies will not believe you without a crime ref number, even then my ex dh had trouble with a company recently. Then inform experian etc. And they will send you a fraud pack with how to protect yourself, we received free top membership for year - not sure if they still do this tho. I then sent every debt agency a letter with my crime ref number, proof of new address and proof of date that I moved in and proof that date of birth was incorrect, make sure send it recorded. Once proof of fraud is obtained the credit score people will put an amendment on your file to let future borrowers know.

It takes absolutely ages to sort out, like I said ex dh had a debt agency turn up the other day and this was over 5 years ago now. Mine is ok at the moment tho.

Good luck and be ready to he patient! X

fatbelly

He will need to phone Northampton and Chesterfield Courts to find full details of the ccjs. The bad news is that those may be additional debts to the ones on the credit file.

Ask if they can send paper copies of the judgements.