Free Identity Fraud Protection

James

Well if someone else submits an application with their print on it. Then you can prove with ease that it isn't your print therefore you never submitted the application.

No this certainly wouldn't prevent you from applying for any type of financial product.

Would you get a visit from the Police. Possible, but the crooks PRINT might be on the National Data base. If it isn't it's similar to being burgled. Your print would be used for elimination purposes only. This is a major advantage of this system. It's not your print - you're in the clear.

The Credit Reference Agencies or Banks or Lenders do nothing with your PRINT and it is never checked, unless fraud or ID Theft has taken place.

If fraud has taken place and a print is submitted on an application form then if the perpetrators print is on the Police's National Print Database, then bingo. If the print isn't in the database then if and when the perpetrator has their collar felt, they'll be fingered for application fruad too.

Why not have a register of all our prints and DNA?

Why not indeed. Some people would fully agree. I personally don't when I can use my biometric with this system, without the need for an expensive database or intruding on anyone elses beliefs.

Hope this explains things?

Does the concept work? ie. protect the inocent, reduce fraud and finger crooks:

Car Hire Company Uses The Concept To Deter Theft of Vehicles (although people use passports/driving licences & credit and debit cards during the rental process) Click here.

Used to deter Credit & Debit Card Fraud (Crook Identified and Caught) click here.

Cheque Fraudster Identified & Caught. (Note the Victim) click here.

Not 1 single case of Fraud in 5 years. click here.

The above examples are where retailers have requested consumers prints. By using the Fee ID Protection System, YOU are forcing crooks to submit their PRINTS if they wish to steal your ID.

Personal Choice. If it's for you go for it. Crooks don't have a choice.

There are other benefits too.

An idication and warning of attempted fraud using your details if an application is received without a print. Thus allowing early intervention.

James

The only time an application would ever be question by a lender is if there were no print on the application form.

If an application turned out to be fraudulent, them the print of the perpetrator, not the victim would be on the application form. (The Proof).

Cost. You can download the letters you send to the 3 Credit Reference Agencies FREE. Then the only cost to you is 3 x envelopes and stamps.

If you want to submit an application in the future you'll need an Inkless Thumbprint Pad. These cost IRO of £5, you can get an average of a 1000 prints per pad. The one I've been using has lasted 3 years so far. Pads are available form numerous sources.

However if you're able to and can afford it, a voluntary donation to the websites charity, or the charity of your choice would be most appreciated. Something like an honesty box.

James

Sorry lisyloo if I wasn't clear.

I was hoping the media examples I gave you in the previous posting would have made this clear. A lady police officer had her cheque book nicked, a crook used it and submitted her print on the cheque. Obviously when the police officer reported her cheque book stolen and the fraudulent cheque recovered from the shop/bank then it was the perpetrators print on the cheque and not the police womans. The police lady or the cardholders in the other media example I gave could never have been accused of frist party fraud.

The example I gave of the Car Hire company using this theory. People were stealing cars from this National Company hand over fist. Crooks were hiring cars after producing a driving license, possibly a passport and paying by cheque, debit or credit card. Then doing a runner with the hire car. It wasn't until the company started taking pirnts (and returning the hire form with print when they got their car back), that car theft dropped to zero.

Consider this, someone uses a stolen ID and suporting documentation to hire a car. They submit their print and then disappear with the car. If the perpetrators print is in the National Police Fingerprint Data base, then the person whose ID has been stolen to hire the car is in the clear. If the print isn't in the database then the ID theft victim (who knows nothing about a print on the hire form) gets a knock on the door. First thing they'll need to do is submit their print. This will easily prove they've had their ID stolen and it wasn't he/she who made the hire.

It's similar to being burgled, victims usually submit their prints for elimination purposes.

Just for info:
Retailers who suspect they are dealing with a dodgy credit or debit card are advised to retain the card. (There's a £50 reward if it proves to be stolen or cloned). A guide to staff is to handle cards or transaction slips by the edges in order to retain prints. (Once again if a decent print is lifted form the card or transaction slip then the genuine cardhodler has their print taken for elimination purposes).

Cost: Any alleged fraudulent application complete with perfect print would be submitted by the lender and fully backed by the victim (whose personal details were used) to the Police as forensic evidence. The only people who would ever investigate and check pirnts are the Police. The only time Police would ever do this is if and when the victim reported that they had their ID stolen and an application had been submitted using their details and the perpetrators print is on the application form (held by the lender).

I hope this is a better explanation. I've dropped you a PM.

James

Lisyloo I've dropped you a PM and you're not being thick.

This system is based around the Credit Reference Database and licensed credit facilitators, banks, credit car companies etc. i.e. anyone business or organisation that has a legal right to do a credit check on you. Everyone accessing your file is informed YOU thumbprint your applications.

In the situation the retailer / lender above has accepted an application complete with PRINT. (Remember no PRINT, and the application is rejected on YOUR instructions. This is a good indication and warning to the retailer / lender and they can act on this).

A Print is submitted:
You get a knock from a debt collection agency, obviosly you know nothing about this BUT you inform the Police that an application has been submitted to the retialer/lender who put the debt collection agency on to you, and the application form should have the perpetrators print on it. The application complete with the perpetrators PRINT is given to the police as forensic evidence in a Fraud Case (ID Theft).

Hope this is clearer.

James

lisyloo;

The situation you describe, suppose you don't have a PRINT on the application only a (forged) signature?

Isn't it a lot easier to prove that it's NOT your signature if it's authenticated with someone elses PRINT?

I can only re-iterate. the lender isn't accepting your word. It's the lender who would have the application form complete with PRINT. If the lender insisted it was you who submitted the form (with a.n. others print) and the application submitted as evidence in a court of law (as the lender would be accusing you of first party fraud), then I'd suggest you'd be in the clear.

I honestly could never seeing it getting to this stage.

American Banks have been using this concept for almost 20 years now. There is not one single recorded case of anyone being accused of first party fraud by a bank.

Go back to two basic questions:

How would a crook know you use this form of ID Theft Prevention? (they may have insider information).

If they did know you submitted your print on applications. Would they be so foolish to submit theirs? (Some might).

What the system does do, is that it Greatly Reduces the Risk of ID Theft to those who embrace the system.

It's Proactive rather than reactive.

Unlike any other system, including CIAS Protective Registration, it reaches ALL lenders and not just CIFAS members. (CIFAS Protective Registration is a Password based system. Can you imagine the damage someone could do if they got hold of this password and your personal info? Try proving it wasn't you then).

It does protect the innocent victim.

And it does finger crooks.


Here are a few quotes:

Neil Munroe of CE Equifax: "We think this new initiative will play a valuable role in reducing the opportunites for fraudsters".

Barry Stamp MD of Check My File and ID Theft: "The advantage of Mr. Jamieson's system are two fold. It will reache ALL lenders and not just CIFAS members. It's cheaper."

If you or anyone else can come up with a more effective, cheaper and simpler system of deterring application fraud then I'd be glad to learn of it.

I do hope Martin is still looking at this and will include it as a Money Saving Tip.

James

Lets go back to basics Lisyloo from the lenders perspective

The lender has only granted an application becuase, per the applicants credit files it states that a signature must be verified by a Thumbprint. If anything goes wrong with this application then the lender has the added confidence that they have the PRINT of the person who submitted the applicaiton. (Similar to the Car Hire Company)

So omething does go wrong and the loan isn't serviced. The first thing the lender would do is contact the victim. The victim (whose instructions have been follwed i.e. print on application) will immediately know this is fraud (a criminal offence) and insist that the application with the perpetrator's print is given to the police as forensic evidence. This is exactly the same procedure that's used for suspected card fraud, except it's the retailer who hands the card over and the genuine card user isn't involved until they are asked for their print as previously stated for elimination purposes.

Therefore it wouldn't be your word against the lenders. The perpetrators print would eliminate you.

You're right about an ex causing grief but they can already do this by forging your signature. For an ex to be vindicitve using a print, they'd need to lift a perfect print of their ex's and reproduce it. There are an awful lot of easier and less risky ways of being vindicitive (so I'm told).

Application Fraud is a criminal offence and not a civil one.

And you're right, there is nothing to fear, the only time anyone using this system would be asked for their PRINT is if someone had committed ID theft against them.

I hope this addresses your questions.

Nothing is absolutlely full proof but I do firmly believe that at this moment in time this is the best means of protecting your ID.

James

Just picked this up:

Staff Foil Credit Card Fraud:
"
Staff in two Wiltshire stores became suspicious after being asked to perform a credit check ‘as quickly as possible’ over the phone"

Story click here.

Can I suggest that if the fraudster in this case had got away with using stolen card details, but the credit check showed that the person whose card he was using Thumbprinted, then he would have either fled the scene or would have been caught Red Handed.

James

Lisyloo.

Application Fraud is a Criminal Offence, therefore forensic would be taken into consideration and used as evidence. (As per the examples I gave re the cheque and card fraud).

I can't see your arguement where you say lenders have not accepted that fraud has taken place.

In case I've misunderstoon and this being the case nobody is liable (accept the lender). Would you agree that the lender would have to be able to provide the application in question, complete with print?

Obviously the system works best in a face-to-face scenario. I've used the system for postal and Internet applications. Once again ALL the lender has to do before completing the contract is to make sure a PRINT is on the application. (Bearing in mind they've carried out all other checks too). Therefore if the application is fraudulent, then it won't be my print on the application form. No Liability to me, reducing the risk to me and costong me, nothing.

It's relatively simple for Police to check the perpetrators print against the Fingerprint Datbase, and check yours against the one on the application form too. Don't take my word for it, ask a copper.

Would you agree that when you use the www.freeidprotection.co.uk system that:

Personal risk for liability for fraud is greatly reduced?

That this system deters application fraud?

That it provides ALL lenders with an indication and warning of attmepted application fraud?

That this system can provide a means of identifying perpetrators?

That this puts you in control? Your forcing crooks to do what they don't want to. i.e. submit a perfect print if they wish to use your personal info.

That this is the most cost effective and simplest means of protecting yourself from ID theft?

Best I can do Lisyloo.

jimbo26

lisyloo wrote: »

The police are the only people who can check it and in the majority of cases they won't do forensic work on civil cases.

No they aren't, there are loads of independent fingerprint experts out there. How do you think defence solicitors defend their clients in cases where fingerprint evidence is an issue. http://www.fingerprint-solutions.co.uk/theconsultants.htm
http://www.expertsearch.co.uk/

It would easy for a fingerprint expert to examine your print and then the one on the application form to see if they were the same or not.

lisyloo

No they aren't, there are loads of independent fingerprint experts out there.
It would easy for a fingerprint expert to examine your print and then the one on the application form to see if they were the same or not.

Thank you very much jimbo, this is exactly the infomation I wanted.

Looks like I have been given false information and had a lot of time wasted by James in post #54 where he says.

The only people who would ever investigate and check pirnts are the Police.

I have a lot more confidence in it now.
I know things are unlikely to get that far, but I prefer to be in control as I don't have 100% confidence in lenders or even the police.

I'll delete a lot of my posts as they were based the false information provided.