Loan Fraud

CKhalvashi

I'd refuse to pay back the loan anyway.

It may be necessary to s.10 the bank in relation to it, give them an action fraud reference number and tell them to sort it out.

Short term, it probably will mess her rating up, however with an action fraud number, I'd say there's little that can be done from the banks side. It may also be worth adding a notice of correction at all three credit reference agencies.

Wait for someone else to advise, as this isn't something I've seen before, so I don't know.

CK

8teen88

CKhalvashi wrote: »

I'd refuse to pay back the loan anyway.

It may be necessary to s.10 the bank in relation to it, give them an action fraud reference number and tell them to sort it out.

Short term, it probably will mess her rating up, however with an action fraud number, I'd say there's little that can be done from the banks side. It may also be worth adding a notice of correction at all three credit reference agencies.

Wait for someone else to advise, as this isn't something I've seen before, so I don't know.

CK

Thanks for the reply!

Friends & colleagues have said the same, don't pay it back because that's admitting to it.

Her credit rating has been affected but that was bound to happen.

Action Fraud has her details and has given it a case number but we've not heard from them since.

Thanks again.

CKhalvashi

8teen88 wrote: »

Thanks for the reply!

Friends & colleagues have said the same, don't pay it back because that's admitting to it.

Her credit rating has been affected but that was bound to happen.

Action Fraud has her details and has given it a case number but we've not heard from them since.

Thanks again.

Give the reference number to the bank.

If you were attempting to defraud them, you wouldn't run to the police.

CK

gunsandbanjos

8teen88 wrote: »

She still has the card yes, but the interesting thing is the bank told her that the card was reported lost and she was issued another card.

This has apparently been done via online banking. Which she only accessed once in January of this year and gave up on it on a computer thats still in her house.

If they reported the card lost then they would have had to clear online security, then they would have to intercept the card. Something doesn't add up.

CKhalvashi

gunsandbanjos wrote: »

If they reported the card lost then they would have had to clear online security, then they would have to intercept the card. Something doesn't add up.

They wouldn't necessarily need her card.

To set a DD up on my bank account, all that is needed (in this case for Barclaycard) is an account number and sorting code.

Also, it's possible to do a faster payment, so if someone has got onto her online banking (and it has been done through a virus before), then this can be cleared with the same login details.

See this link, as to how easy it is to do.

CK

gunsandbanjos

I only mentioned that as op specifically said a new card has been ordered not by his gf but she obviously never got it.

Edit: sorry just reread and saw she did get it, that'll teach me to skim read. Ignore me!

8teen88

UPDATE!

I have been waiting for a reply from the FOS for a while about the case and they returned a call saying that the Barclays Account that the money went into has been flagged for fraud already and is being investigated.

But the bank still say they think it's my girlfriend who took out the loan etc.

It has been referred to an actual Ombundisman, though I am expecting to hear the worst

We cannot afford to pay this loan back.

Could the bank access her wages etc if she doesn't pay back the loan she never took out?

Any replies would be massively appreciated.

pvt

The bank's default position will be to claim she took out the loan and made the payment from her account. So she needs to needs to be very clear and firm with them in denying she did so.

Up the ante by making a formal complaint to the bank, and demanding they treat it as fraud and refund the money.

It may also be worth asking the bank to set a CIFAS category 2 marker against her name. This is "victim of ID fraud" and has no negative connotations for her CRA file, however will show the bank her resolve in insisting the matter is fraud. Make sure it is category 2 and ONLY category 2.

Also ask the bank what reason was given for the re-issue of the debit card? ie, was it out of date, reported lost/stolen, or reported as faulty? I cannot see the logic of the fraudster making the new card request if it was not requested to a new address or they intended to intercept it before she got it.

The bank probably know it is fraud, but will probably be looking to her to protest loudly before they'll cave in. At the end of the day, it is for them to prove SHE made these transactions.

Pixie5740

If your girlfriend hasn't do so already she needs to change her online banking passwords. She should also get her statutory credit reports from the 3 referencing agencies; Experian, Equifax and Call Credit to see if any other lines of credit have been opened in her name which she didn't do herself.

Your GF should also open a bank account somewhere else in case BoS take money from her current account to repay the loan, and because of their crap customer service they do no deserve your GF's business.

d70cw6

dig your heels in - if it's fraud, it's fraud. report it to the police - get a reference number and report that to the bank. dont let them make you pay for someone else's debt.