Identity Fraud

Mickb123

Hello,

Im new to the forum as I am in desperate need of help.

I left my long term partner over 12 months ago and took full custody of my daughter.
Over the last 12 months I have been able to build a nice comfortable life for us both.

Part of the reason why I left her was because I received a call at work from several pay day loan companies demanding money from me. When I questioned my partner about it I was met with abuse and violence.
After I left her I reported to the police that I had been a victim of identity fraud as I have never had anything to do with these pay day loan companies.

The police provided me with a crime reference number and told me that if these companies harass me again I was to give them the crime number and tell them to contact the police.
I did this several times and eventually they stopped calling.

Recently I signed up to Experian because I'm hoping to buy a house for myself and my daughter.
I found that on my report there are several of these payday loans, one of which is defaulted and is having quite a negative effect on my report. It shows my rating as 'Very poor'

I provided experian with the crime reference number and they contacted the company. The company replied saying 'There is no evidence of this being fraud and if the customer is not happy we suggest he contacts the police'

I replied to experian with the crime number. I am absolutely in shock that my ex partner is continuing to ruin mine and my daughters lives still.

Can someone please offer assistance or point me in the right direction?

Thank you

Tixy

Are the payday loans on your credit file from before or after you split up with your partner?

If she is continuing to take out new agreements in your name then I would consider CIFAS protective registration (small annual fee), which will make it much harder for her to take out any credit in your name.

If they are from before then keep reiterating that you have been to the police regarding the identy fraud previously.

Did you have any joint accounts with your partner? do you know if the payday loans were paid in to an account in just her name? or a joint account?

Mickb123

Hi Tixy,

I've sent you a PM

Thank you

Mickb123

Tixy wrote: »

Are the payday loans on your credit file from before or after you split up with your partner? She took them before we split

If she is continuing to take out new agreements in your name then I would consider CIFAS protective registration (small annual fee), which will make it much harder for her to take out any credit in your name.
As far as Im aware she hasn't taken any more in my name since we split

If they are from before then keep reiterating that you have been to the police regarding the identy fraud previously.
I told them several times when they harrassed me at work, eventually the calls stopped so I thought they'd taken it on board.

Did you have any joint accounts with your partner? do you know if the payday loans were paid in to an account in just her name? or a joint account?

I had an account in my name only which she took from me. She took the card and changed the passwords to stop me seeing what was happening.

Kate_fixing_it

Sounds like you've done the absolute right thing for you and for your daughter's future. Have you been in touch with the bank concerned regarding this? It sounds as if the ex has tried to cover all avenues in preventing this coming back on her

I have no real advice but couldn't just read-and-run. Having the strength to leave a violent relationship is a huge deal for anyone and I really hope you are proud of yourself for getting out. Even if it was only that one case of violence that's one too many IMO.

Kate x

RAS

Mickb123 wrote: »

I had an account in my name only which she took from me. She took the card and changed the passwords to stop me seeing what was happening.

The question that the PD loan companies will be asking is "How was she able to take over the account?" Did you give her your password? If so, they may consider that you consented to her using the account and are liable for the debts.

sourcrates

First of all, cancel the card, report it as stolen, and that will stop her repeating her actions.
Close the associated bank account as well, you need to be proactive here, tell the bank the transactions are fraudulent, and you did not authorise them.

Mickb123

RAS wrote: »

The question that the PD loan companies will be asking is "How was she able to take over the account?" Did you give her your password? If so, they may consider that you consented to her using the account and are liable for the debts.

She opened my mail and took over my email account. She accused me of cheating on her and demanded my password to access my emails. Obviously I had nothing to hide and because we'd been together 10 years I trusted her.
All the letters from the bank including the letter with my PIN was opened by her.

Experian have written to one of the payday loan companies and I have received a reply from Experian saying the company have said that I can't prove it wasn't me and they recommend I contact the police. Which I already have and provided them with the crime reference number.

The whole situation is absolutely ridiculous and I cannot believe what has happened.

Mickb123

sourcrates wrote: »

First of all, cancel the card, report it as stolen, and that will stop her repeating her actions.
Close the associated bank account as well, you need to be proactive here, tell the bank the transactions are fraudulent, and you did not authorise them.

I closed the bank account straight away and made them aware of the fraud.

I've not written to the loan company explaining to them the situation and that I want them to remove all these fraudulent loans from my credit record.

RAS

Mickb123 wrote: »

She opened my mail and took over my email account. She accused me of cheating on her and demanded my password to access my emails. Obviously I had nothing to hide and because we'd been together 10 years I trusted her.
All the letters from the bank including the letter with my PIN was opened by her.

Experian have written to one of the payday loan companies and I have received a reply from Experian saying the company have said that I can't prove it wasn't me and they recommend I contact the police. Which I already have and provided them with the crime reference number.

So have you told the PD loan companies hoiw she accessed your mail and PIN etc????????

Mickb123

RAS wrote: »

So have you told the PD loan companies hoiw she accessed your mail and PIN etc????????

Yes, and I explained the entire situation to the police.