Nationwide fraud

poppasmurf_bewdley

BartyBoy wrote: »

Out of interest, what can a bailiff do and what are they for if they can't turn up to the address and take things?

Google is your friend. https://www.gov.uk/your-rights-bailiffs/what-you-can-do-when-a-bailiff-visits

BartyBoy

poppasmurf_bewdley wrote: »

Google is your friend. https://www.gov.uk/your-rights-bailiffs/what-you-can-do-when-a-bailiff-visits

Thanks for the link and I found this...

If you don’t let a bailiff in or agree to pay them:

• they could take things from outside your home, for example your car
• you could end up owing even more money

If you do let a bailiff in but don’t pay them they may take some of your belongings. They could sell the items to pay debts and cover their fees.


Fair enough that it may not even happen to me, but why do I need to concern and worry for someone else's debts?

Will you guys be happy for someone who you don't know to use your home address to apply for a £25K loan or so?

Do you guys not agree that there is something not right from the Nationwide's side? How did they approve the loan application without proofs of residential address?

societys_child

They can't remove your vehicle before confirming the owner is the person they're after and that it's not on HP or PCP or whatever.

Provided the car is registered in your name they won't take it.

Just keep documents and proof of ID handy, to prove who you are, but I doubt any one is going to come knocking

jimbo747

Simple, when you register for credit they ask where you live and how long you had been there. If less than 3 years they ask for previous address. If you make out you've just moved there then their systems won't pick this up as you would have had to put in previous address. Not saying it isn't fraud, it's just a limitation of nationwide and probably other lenders systems. Ive applied for a credit card at an address I hadn't moved in to yet but was due to within a week or so.

Cornucopia

BartyBoy wrote: »

Thanks for the link and I found this...

If you don’t let a bailiff in or agree to pay them:

• they could take things from outside your home, for example your car
• you could end up owing even more money

If you do let a bailiff in but don’t pay them they may take some of your belongings. They could sell the items to pay debts and cover their fees.

That applies IF you actually owe the money. If you don't owe the money (and you don't) then those things can't and won't happen.

I can see how you were initially suspicious and those suspicions were heightened by what you see as Nationwide's poor response, however, in the circumstances you describe, there is no immediate evidence of fraud, and Nationwide are not in a position to disclose any info about their customer to you.

You need to keep returning the letters. That's the best way to make them stop. Also, the free credit checks are a good idea, generally. Other than that, it's not a great idea to open letters that aren't addressed to you.

boo_star

BartyBoy wrote: »

I did think of your points too but the fact is, my property is a new build. It is the 3rd property the developer released keys back in September 2015. As a new development, a new postcode was generated by either the Royal Mail or the developer, it took a good few months before the full address was available on the Royal Mail system. Talking about it now, it makes me wonder how this person knew the postcode back in August 2015. The last two characters of my postcode are completely different to the next street's postcode, such as mine is X12 3AB and the next street is X12 3TG, normally one of the two alphabets remains the same as the streets being next to each other.

People can be complete idiots. I was receiving utility bills for my neighbours property for nearly a year. The flats all have numbers on the doors but apparenly he didn't notice the large number on the front of his door.

I initially binned them, then returned to sender then eventually just opened one up and went downstairs to where the meters are. Even 2 months after slipping the bill under his door with a note saying the address was wrong, they were still being sent so I just started binning them. He wasn't in debt for what it's worth.

The loan account started in August 2015, it has been running for 24 months. I would expect the person to contact Nationwide if they have never received any statements. Furthermore, Nationwide admits they cannot get hold of this person. I did a poll election search in my town and county, not a single record shows there is a person with this person's family name in the system. And of course, this person doesn't need to register to the poll election to live in the UK.

Everyone if voting age needs to register, you can be fined if you don't. But many people (myself included) opt out of the public register so searching won't reveal any information.

I returned all the posts that didn't have my name on to the senders, this specific post that I opened this ocassion is only one of those not having my name on the envelope. As far as I can remember, the other posts that I returned had two different person's names on. I understood a printing error or typo can happen, but it can't be 3 different people all having the same typo on the address. Another reason I decided to open the post is I realised the sender's address is the same on all ocassions. When I googled the address (only two lines on the return address), it says it belongs to Nationwide. So Nationwide has been sending posts to 3 different people under my address. I simply cannot think of anything else but fraud.

From their perspective, it could be 3 people living at the same address. It does sound like fraud but that's their problem, not yours. Revealing any information to you would be a breach of the DPA, even if they are fraudulent accounts.

As long as your credit file hasn't been impacted, let them do their thing. In the unlikely event a bailiff turns up, tell them they don't live at your address, possibly show them ID (although there is no requirement for you to do this) then shut the door on them.

Pyxis

boo_star wrote: »

Everyone if voting age needs to register, you can be fined if you don't. But many people (myself included) opt out of the public register so searching won't reveal any information.

.

As I understand it, you can opt out of the 'Open Register' which is a copy sold to firms for marketing and other purposes, but everyone who is registered to vote is on the 'Full Register' which is held at the British Library and the local Council (And some other Government Agencies and departments).

Everyone is entitled to view the Full Register under supervision. You could contact your local Council for details on when and where you could view it.

At the very least it would tell you if anyone else has registered to vote at your address.

As. I understand it, you can't photocopy the full register, but I believe you may make written notes.

PixelPound

Nationwide cannot discuss anything with you, you are not the customer. You don't know that your address was used on application, if the person has moved it could be a clerical error and has been said the correct person isn't getting them. Have you asked them to remove your address as they don't live there? What did they say?

PixelPound

Pyxis wrote: »

As I understand it, you can opt out of the 'Open Register' which is a copy sold to firms for marketing and other purposes, but everyone who is registered to vote is on the 'Full Register' which is held at the British Library and the local Council (And some other Government Agencies and departments).

Everyone is entitled to view the Full Register under supervision. You could contact your local Council for details on when and where you could view it.

At the very least it would tell you if anyone else has registered to vote at your address.

As. I understand it, you can't photocopy the full register, but I believe you may make written notes.

You can also look at previous releases to see if they have ever lived there. My local council has the past 10 years kept that you need to request to view. Ones older than that are on open shelves.
I have access to the 2014 UK registers (through FindMyPast) and if the OP wants to PM me the name & town I'll let them know if it comes up.

Pyxis

Nic, I think the OP has already said that he bought it as a new build.