Identity theft victim

thisisnotthetruth

Hi,
I have been the victim of ID theft. This has happened before and I do believe it is my Mother who has taken out payday loans and a credit card in my name. My question is, will I need to pay this money back? I have already lost £2000 before to her because the bank claimed I was negligent. This time however, I do not think I was. I moved house and she claimed the credit card in my name months after I had left my previous address. I am very concerned. I have reported this to actionfraud but last time I did this they took no action. Any advice? I also called the police and they are useless.

thisisnotthetruth

I'm not really sure how I can be expected to pay for these debts all of the time. I mean, anyone could get hold of someone's name, address and date of birth. Yet the companies always seem to hold you personally responsible. Has anyone else had a similar experience or been in this situation?

barbarawright

It may come down to whether you are prepared to shop your mother.

thisisnotthetruth

I would be more than prepared to. I have already told the police but I'm still worried I'll be liable for the debt.

sourcrates

Hi,
This comes up on the forum from time to time.
As you are aware of who is responsible, you should report to action fraud, this way, you can give all the details to the creditors concerned.

Unfortunatly they will pursue you for these debts, as they were taken out in your name, albeit without your knowledge.

That's why it's important to inform the creditors of the situation ASAP, in writing, provide all the details you have, ask them to treat it as fraud, mark your letter "FRAUD COMPLAINT" so it goes to the right people.

It may take time and a lot of effort, and after all this, they still may not accept your version of events, it could be a long road ahead I'm afraid.

thisisnotthetruth

I thought this would be the case. It's ridiculous how easy it is for people to commit and get away with ID theft.

nottoolate

https://www.cifas.org.uk/pr_for_individuals

shortcrust

Are you prepared to report her to the police and action fraud?




(Not really. I managed to get to the end of your post...:))

patman99

The op reported the first ID theft to actionfruad, so nothing to say they won't report the 2nd.

People mention that it should also be reported to the Police, but according to a specialist on a radio program the other week, the idea of reporting it to actionfruad is that they will note-down everything then pass it on to the correct area Police force to deal with.

Op, you mentioned that the last time your mother did this, it cost you £2000. Have you considered a claim against her via the small claims court ?.

When she starts to lose assets to pay back the money she fruadulently obtained in your name, she might think twice about using your details to fruadulently obtain lines of credit.

Meatloaf1981

patman99 wrote: »

The op reported the first ID theft to actionfruad, so nothing to say they won't report the 2nd.

People mention that it should also be reported to the Police, but according to a specialist on a radio program the other week, the idea of reporting it to actionfruad is that they will note-down everything then pass it on to the correct area Police force to deal with.

Op, you mentioned that the last time your mother did this, it cost you £2000. Have you considered a claim against her via the small claims court ?.

When she starts to lose assets to pay back the money she fruadulently obtained in your name, she might think twice about using your details to fruadulently obtain lines of credit.

Reporting the matter to Action fraud and obtaining a reference number from them is the correct action to take. Reporting directly to the Police will only result in them referring you to Action Fraud. If you have provided Action Fraud with details of the suspect (Your mother) then it is potentially a solvable fraud and therefore I would expect it to be disseminated to your local police force to subsequently make contact with you to obtain a statement et cetera. Be prepared to provide them with accurate information, however, otherwise the process will take a very long time indeed.