Crisis loan disputed but now AOE!

oodj

I have a disputed dept of £900 from 15 years ago for crisis loans.
They have provided me screen printouts but I've asked for a signed copy of the loan as I'm convinced it's a case of fraud whilst in shared accommodation. They recently sent me a letter after a gap of 3 years asking for full payment or it would be passed for an attachment of earnings or to a bailiff.
I explained it was in dispute and statue barred and requested once again a signed copy....couple of days later they sent my employer an attachment of earnings.
What can I do now...why should I pay for a disputed debt with no evidence and how can they just ignore my letter and go for an AOE? Surely they have ignored guidelines for disputed debts
Any advice would be helpful

NYM

They may not have been able to pursue you through civil court to recover the debts but they don't just disappear. They can recover any debt through future benefit claims or, as they appear to have done, recover it through an AOE.

Can you prove that someone else in your shared accommodation may have applied for the loan(s) fraudulently?

oodj

I don't understand how they can do an attachment of earnings on a currently disputed debt.
Really it's for them to provide evidence ie, signature to show I agreed to the loan otherwise what is a signed agreement for?

missapril75

oodj wrote: »

I have a disputed dept of £900 from 15 years ago for crisis loans.....I'm convinced it's a case of fraud whilst in shared accommodation....

How many loans? Were you claiming benefits and you believe person or persons unknown or known impersonated you just for crisis loans?

If you were on benefits but you didn't get crisis loans, what about all that mail that would have been turning up about loans and deductions?

In those days an application for a crisis loan would have needed knowledge of a number of your personal details including dates and amounts of your last and next benefit payments.

Payments for crisis loans were issued over the counter and whoever was collecting the giro would have needed some kind of documentary evidence of their identity. In your name.

Multiply that up by the number of crisis loans over whatever period and they won't find it very convincing.

If, however, you were not on benefits and someone else impersonated you over a long period in which they also received crisis loans and they gave your real address on the claim, you would likely have seen several letters for each year of the claim addressed to you arriving at your home.

Would they have been impersonating you at the job centre or were they impersonating you at your doctor's office? Perhaps your doctor might have grown suspicious about that?

I'm not really surprised they are recovering this way. They absolutely will have sent letters very soon after repayments did not materialise. The time for disputing the debt has long passed.

antrobus

missapril75 wrote: »

....Payments for crisis loans were issued over the counter and whoever was collecting the giro would have needed some kind of documentary evidence of their identity. In your name....

I think you'll find that fraud is a possibility.

How gang played the system to get crisis loans
http://www.nottinghampost.com/gang-played-crisis-loans/story-13418409-detail/story.html

Ringleader of £15,000 crisis loan scam jailed
http://www.wakefieldexpress.co.uk/news/local-news/ringleader-of-15-000-crisis-loan-scam-jailed-1-4836602

There are more, if you want them.:)

The OP would not be alone in claiming that they were being chased for a crisis loan that they did not receive.
https://forums.moneysavingexpert.com/discussion/comment/68486376#Comment_68486376

nannytone_2

the fact that it is disputed, doesn't matter.
if at the end of the day they decide that you don't owe this money, they will return it to you.

in 2006 the CSA decided to chase my ex husband for child support ( even though i'd said i didn't want to pursue it) but they decided to go ahead. ( quite odd considering i hadn't been claiming any state benefit for the period they were chasing for, apart from child benefit). they wanted £42,000 ( no idea how they decided that was the amount owed).
they were taking £500 a month from his wages, which led him to almost losing his house ( his brother loaned him money)

18 months later they decided it was all a big 'mistake' and refunded the money.

no apology though.

missapril75

antrobus wrote: »

I think you'll find that fraud is a possibility.
There are more, if you want them.:)

Yes Fraud happens,

But note the difference between multiple IDs, multiple claims, different addresses etc and those of the OP where apparently a series of crisis loans and benefit claims apparently happened at his or her address in his name without him or her ever having been aware of it. All those letters issued about each loan, each scheduled deduction from benefit, each letter about benefit entitlement showing deduction, each letter about the absence of repayment etc etc. All, apparently without the OP's knowledge of any letters turning up at home. Suspicion should have been aroused 15 years ago when the first of many letters were sent.

The OP would not be alone in claiming that they were being chased for a crisis loan that they did not receive.
https://forums.moneysavingexpert.com/discussion/comment/68486376#Comment_68486376

Yes, there are a few like that on here. Did you read post number 16?

Amley76

oodj wrote: »

I have a disputed dept of £900 from 15 years ago for crisis loans.
They have provided me screen printouts but I've asked for a signed copy of the loan as I'm convinced it's a case of fraud whilst in shared accommodation. They recently sent me a letter after a gap of 3 years asking for full payment or it would be passed for an attachment of earnings or to a bailiff.
I explained it was in dispute and statue barred and requested once again a signed copy....couple of days later they sent my employer an attachment of earnings.
What can I do now...why should I pay for a disputed debt with no evidence and how can they just ignore my letter and go for an AOE? Surely they have ignored guidelines for disputed debts
Any advice would be helpful

We are going through the Same 5 crisis loans from 2003, which are fraud.

We have just had the following advise from the fraud team, who shocked at our case.

Firstly have you reported this to the Benefit Fraud Hotline? If not you must do this and you will meet a local officer and you can discuss further.

Secondly: Have you written to them requesting the original forms to be released.

Thirdly: If they are not playing ball you MUST write you your MP he will get the ball rolling.

The went to my husbands employer and took £300 out of his wages, although it wasnt him.

I hope it's sorted by now though

dekaspace

missapril75 wrote: »

Yes Fraud happens,

But note the difference between multiple IDs, multiple claims, different addresses etc and those of the OP where apparently a series of crisis loans and benefit claims apparently happened at his or her address in his name without him or her ever having been aware of it. All those letters issued about each loan, each scheduled deduction from benefit, each letter about benefit entitlement showing deduction, each letter about the absence of repayment etc etc. All, apparently without the OP's knowledge of any letters turning up at home. Suspicion should have been aroused 15 years ago when the first of many letters were sent.



Yes, there are a few like that on here. Did you read post number 16?

13 years ago I lived at a property which had a shared letterbox, they stole everything funnily enough they were squatting in one of the rooms as it was a 14 bedroom house, they stole a cheque book that was sent to another tenant and wrote out forged cheques, somehow though I don't know how got replacement giro for one of them saying it was stolen (I think it was because she was pregnant at the time so played the pity card) in the end broke my door down and stole everything from me down to underwear, cutlery and mouldy bread!

So point is they can intercept personal documents and use them as i'd when I got crisis loans they asked for like benefit letters and bank statements then issued a giro to collect.

missapril75

dekaspace wrote: »

So point is they can intercept personal documents and use them as i'd when I got crisis loans they asked for like benefit letters and bank statements then issued a giro to collect.

But we're not talking about a one off or even a two off.

There's a huge difference between that and all the associated stuff - like knowing what someone's income is and being able to prove it to the satisfaction of the DWP.. And then all those letters about a series of outstanding loans taken out in someone's name which haven't been repaid. What happened to them all that they never see a single one?

One or two aspects of these "I don't know anything about these loans" might be explained away. But not so many. See my earlier posts in this thread to see how unlikely it is.

dekaspace

missapril75 wrote: »

But we're not talking about a one off or even a two off.

There's a huge difference between that and all the associated stuff - like knowing what someone's income is and being able to prove it to the satisfaction of the DWP.. And then all those letters about a series of outstanding loans taken out in someone's name which haven't been repaid. What happened to them all that they never see a single one?

One or two aspects of these "I don't know anything about these loans" might be explained away. But not so many. See my earlier posts in this thread to see how unlikely it is.

But if someone had access to the post of a house they can intercept personal documents like benefit letters, or wage slips, bank statements etc all which can be used to get the benefit.

Even when I lived at a dodgy address 6 years ago all my post was stolen that looked important even letters from family, in fact a few times I caught people going through the letters at bottom of stairs.