Fraud

Stevenlufc

Hi
I'm new to this site so it's a 1st post from me,
For the past 2 weeks I have been basically bombarded with letters from mobile phone shops, credit agencies and banks congratulating me on opening new accounts or buying products, I have had to contact the companies, the police and action fraud, all though are washing their hands of it and don't really want to get involved, there is cctv footage yet the police won't go seize it, the shops and banks refuse to accept they are victims in this so they won't get involved saying it's all my problem to resolve. A police officer advised me I just have to let my previous unblemished immaculate credit rating get hammered and then the fraudster will move on to another victim.Obviously this is causing me a great deal of stress as it's an ongoing issue and it's resulted in me going on the sick from work. I was wondering if anybody on here has had a similar experience or have any advice for me. It would be very much appreciated.
Regards
Steven.

glosoli

It may be worthwhile looking into Cifas protective registration, which means every time you/they apply for credit, further identification checks will be required.

You can find more information here : https://www.cifas.org.uk/services/identity-protection/protective-registration

In terms of damage already done - I am not sure what you can do but at a minimum can you obtain a crime reference number and with this approach the banks/lenders in question? I can't believe they are just washing their hands of the situation.

cjv

Applying for protective registration may be helpful going forward:

https://www.cifas.org.uk/services/identity-protection/protective-registration

Edit: what glosoli said

sourcrates

Happens a lot, difficult to prove as the companies involved don't want to know there systems are open to such abuse, and so it continues.

Best you can do is continue to deny everything and do as advised above.

cjmillsnun

They cannot wash their hands of it. Please look at http://www.actionfraud.police.uk/ID for advice.

Get a crime reference number, contact experian, equifax and callcredit and contact every lender/mobile phone provider.

Short term, your file will be trashed. However this should be able to be undone by the CRAs and the lenders relatively quickly.

As others have suggested register with cifas. It will be a pain in the backside for you, but should stop them using your ID fraudulently in future.

DCFC79

How are your details being used, what I mean is is your post being intercepted.

Dont go off sick due to this.

Oh and register with Cifas.

Stevenlufc

Thanks for the advice people, I've already spoke to Experian and CIFAS, the police and action fraud have been nothing but a disgrace, neither say they can help they just give me reference numbers and tell me to just keep reporting it, It all stems from Barclays allowing the fraudster to open an account with fake information about me, they are saying as they shut the account down when I told them about it been fraud activity they say I have no complaint, yet if they were a lot more keen on their security checks the fraudster wouldn't have been able to go on a spending spree, as for the shops they stole from in my name, I have been advised even tho I have crime ref numbers the shops will still come to me for payment for the goods.
I feel like I'm going round in circles.

Stevenlufc

It's a mystery how my details are being used, I shred all my paperwork etc, I don't click on emails or links that look dodgy, there's cctv but the police will not go retrieve it, they have acted appallingly and I have zero confidence now in law and order in this country.

Stevenlufc

I had no choice but to go off sick I'm in a very responsible job and it's impossible to concentrate when this is ongoing.

pvt

Stevenlufc wrote: »

It's a mystery how my details are being used, I shred all my paperwork etc, I don't click on emails or links that look dodgy, there's cctv but the police will not go retrieve it, they have acted appallingly and I have zero confidence now in law and order in this country.

Have you suffered any monetary loss?

The police will take the view that it is the banks and phone companies that have been defrauded, not you. And as such they will only act if those companies ask them to - which they generally won't because the effort they have to expend exceeds the amount they've lost, and the chance of it being recovered is slim even if they do.

As far as the companies are concerned, just keep on denying that these are your debts and warn them not to report them to CRAs.

Normally one of the more reputable companies will realise they've been duped and register a CIFAS #2 marker against your name (victim of ID fraud) which is as good as the protective registration except you don't have to pay for it to be added.

It'll take a while for all this to blow over and your CRA reports to be cleared, but it will be achievable.

Don't get hung up on the police or whoever catching the perpetrator - save your ire for these companies and their lax procedures that lead them to losing their money and causing you all this agro.