Credit Reference Agency - Serious Hot Water

paye

Good Luck in sorting this out, I'm sure it will get sorted one way or the other. Just be honest with Callcredit.

Cartnell

eDicky wrote: »

The seriousness of your situation might depend on the answer to this, does the lack of response mean it's hypothetical..?

No. I have not received credit using the affected data.

[Deleted User]

Fraud is fraud.

Hold your hands up as a shield as I believe the book is about to get thrown at you

maxximus75

I would have thought that the fraud was being committed by the data furnisher as they are knowingly providing the fictitous information to the CRA's?

Cartnell

!!! wrote: »

Fraud is fraud.

Hold your hands up as a shield as I believe the book is about to get thrown at you

No one has said anything about prosecution or the word fraud. They said the affected data was under investigation. The predicated outcome at the moment can range from its removal to my arrest. There is no indication at all at this stage of having the book thrown at me.

[Deleted User]

It is fraud. Black and white.

[Deleted User]

Cartnell wrote: »

Today on the ignorant sod who can't wind their neck in. I am here for genuine advice so go elsewhere and express your valueless opinion.

I work in the financial services industry and you are just a stupid troll. It's not possible and it's a bit sad and pathetic you have nothing better to do than troll a forum that tries to help genuine people.

sassy_one

This sounds very much like the poster who started multiple threads across the forum a week or so ago, said his "father" had opened his credit card, and pin, used it for £3k and then resealed it and put it back.

Then he was posting various dogs balls across the forum about falling of roofs to demanding advice how he could "claim all he was entitled" too.

The fact soon as a few of you have taken to getting onto to him about this all being made up and he has started throwing insults, has unearthed that I suspect this is the same person (troll for the ones here with know how) as the previous one.
In the end he became all abusive, throwing his toys out.

The first post he made last time was in this part of the forum last time.

Just putting that out there for others to be wary, and if you wish to waste such time on a keyboard warrior.

Finally, OP, there is no way anyone can simply set up shop and report to various CRAs, and any investigation would likely be carried out BEFORE they contacted you, if it were possible for such a trick to be played; in which it isn't.

Regardless, giving you the benefit of doubt, the best advice, no one can say, no one here can give you advice.
They might do nothing, they might take you to the cleaners, who knows!

How's the back after the fall off the roof, anyway?!

pochisoldi

Fraud Act 2006:
Section 1:
(1)A person is guilty of fraud if he is in breach of any of the sections listed in subsection (2) (which provide for different ways of committing the offence).

(2)The sections are

(a)section 2 (fraud by false representation),

...

Section 2
Fraud by false representation

(1)A person is in breach of this section if he;
(a)dishonestly makes a false representation, and
(b)intends, by making the representation;
(i)to make a gain for himself or another, or
(ii)to cause loss to another or to expose another to a risk of loss.
(2)A representation is false if;
(a)it is untrue or misleading, and
(b)the person making it knows that it is, or might be, untrue or misleading.

Note that if someone "makes a false representation" and "intends to make a gain" (in this case "obtain credit") or "expose another to risk of loss" (in this case by getting credit full stop, or credit on terms which do not match the risk to the lender), then the that person is in breach.

Section 5 makes it clear that a gain includes "keeping what one has" (=Paying less interest).

If what the OP said was true, then a CIFAS marker and being blackballed for at least 6 years is the least of their worries, because the next thing could be a knock on the door from the City of London Police (the lead force for fraud/economic crime investigation).

If the OP was simply stirring it, then the honest thing to do is eat some humble pie and report their own post and this thread for deletion.

PochiSoldi

ThePants999

For just a moment, let's leave aside the legality and morality, and let's assume for a moment that this is all truthful, and let me just pick up on one bit...

Cartnell wrote: »

£40 per data submission per account.

HOW MUCH!?

Three accounts... so you're paying nearly fifteen hundred quid a year for a fake credit history? And the benefits "outweighed" this cost? How much do you think it would have cost for a REAL credit history!?