Identity fraud by husband

MEM62

Icarriedawatermellon wrote: »

I can not go to the police, please dont advise it. I dont have the energy to go into it on here but under no circumstances whatsoever can i report him to the police.

Any similar experiences or advice is welcome though, thanks for reading.

Accepting that you have a compelling reason for not involving the Police, here is the only advice that I can offer; there is nothing more you can do.

Candyapple

Icarriedawatermellon wrote: »

Hi, cutting a very long story short....around 10 months ago my then husband informed me that he had taken out credit cards (4 in total) in my name and had reached the limit on each one. He only told me as one of the companies had become suspicious and he was terrified of legal action. After years of similar behaviour I started divorce proceedings and ended the marrage.

No police = you are stuck with the default for 6 years from the date it was applied.

There are 3 credit reference agencies, have you checked your files with all 3 of them to make sure there are no other accounts that he may have opened?

The free versions to check your credit files are below:
Experian: https://www.moneysavingexpert.com/creditclub
Equifax: https://www.clearscore.com
Call Credit: https://www.noddle.co.uk

The bit I have bolded I am concerned that your husband may have given you a CIFAS marker, especially if he mentioned about one of the companies being suspicious.

I would, send a subject access request to CIFAS and see if you have one.

https://www.cifas.org.uk/contact-us/subject-access-request

Icarriedawatermellon wrote: »

Since then he agreed to transfer each card into his name, which is documented in the divorce paperwork including the reasons why, and has done as we agreed. However, i have been left with a default for one of these cards which reports that i 'changed address and did not inform them.' This obviously isnt true, plus i have been in my home for over 10 years.

The bit bolded doesn't make any sense. A company will default you for not meeting contractual repayments. Your address does not come into it. Can you take a screenshot please (edit out any personal details) and post it here.

Also, if the 3 other card companies have removed the accounts from your files, why did this 1 company not follow suit?

Samsung_Note2

Sounds just like a chap i know,ripped his wife off for thousands of pounds on credit cards and personal loans (loans did not surface until quite a while after he did a flit).

Turns out he was having it away with a woman 20 yrs his junior and splashing his wife's cash pretending it was his.

Heartless beggar...and same as OP the wife refused to go to the Police.

Which begs the question,if they wont go to the police and have it dealt with as it should be,then why should the CRA people and Credit card companies try and help.

zagfles

You don't need to go to the police. You simply tell the lender that you did not sign any credit agreement with them and that you've been a victim of identity fraud. Of course that might result in them involving the police...

binaryuniverse

zagfles wrote: »

You don't need to go to the police. You simply tell the lender that you did not sign any credit agreement with them and that you've been a victim of identity fraud. Of course that might result in them involving the police...

The lender is going to want to get their money back one way or the other. If the OP isn't willing to pay it, that means police proceedings on the other party. And as OP knows who that party is, they will be required to divulge this information.

OP, you must already have known, on creating the thread, that your options were pay it off yourself or start a fraud claim. One involves police. One doesn't. Those are your only options, unfortunately.

By the sounds of the last line of your post, the husband is a reader of this forum. So, if he's read this thread, he now knows he can do what he likes and you won't do anything about it.

System

zagfles wrote: »

You don't need to go to the police. You simply tell the lender that you did not sign any credit agreement with them and that you've been a victim of identity fraud. Of course that might result in them involving the police...

Not that easy as an "electronic signature" which can be as little as ticking a box to confirm you are who you claim to be will suffice. If an investigation is carried out and ISP logs acquired it would show the IP address of the connection that made it and which customer was assigned that IP address at that time which would be the OPs house given they were living together so that wouldn't prove that she didn't make the application.

zagfles

Tarambor wrote: »

Not that easy as an "electronic signature" which can be as little as ticking a box to confirm you are who you claim to be will suffice. If an investigation is carried out and ISP logs acquired it would show the IP address of the connection that made it and which customer was assigned that IP address at that time which would be the OPs house given they were living together so that wouldn't prove that she didn't make the application.

The OP doesn't have to prove anything. The bank has to prove it was the OP who made the application, not someone else who happens to be living with her. Do you think if he made the application in a coffee shop using their wifi the coffee shop would be liable?

OP - see http://www.actionfraud.police.uk/ID for more info