80 years old

PTG

Hi,

My dad is a pensioner. (He turns 81 in feb). He has a account which his pension goes in to with West Bromwich building society which he has held for over 15 years. He’s never had any other account. He’s really old school. Never had no direct debits. He is really old school. If he needs to pay for anything he will walk in the bank and draw the money out. His life insurance is the only thing he pays out monthly but that goes out of my sisters account and he gives her the 40 something pound a month. Literally everything Gas electric rent etc he pays cash on PAYG.

He received a letter in the post claiming his loan was rejected due to his age. Looking in to it it’s highly likely someone has committed fraud. My dad had no clue what it was about. Contacted Barclays and informed them the lady recommended checking his credit record as they’ve had multiple applications from him for loans AND credit cards. Impossible as my dad doesn’t have internet doesn’t even know how to use a mobile phone - literally green button answer red button hang up and he still struggles! so obvious fraud. My question is, with no bank card for the identification check how can I do this?

TIA x

[Deleted User]

Contact the CRA's directly and use a different auth. method to check his credit files

T-G-C

Does he have outside influences who could have obtained his information and used it to perform applications for credit?

If he does not use the Internet or technology in general, there must be an "Old School" explanation behind someone having his information. The first thing that comes to mind is someone who targets the elderly for their personal and/or financial information, hence the question about outside influences. It could be someone he knows or someone who has visited the house and tricked him into revealing such details.

If there is solid grounds that fraud has taken place, contact Action Fraud and file a report. You will be wasting time visiting a police station, as they will refer you to the Action Fraud website, especially since no monetary value is involved. It would typically be the lender who peruses a case in the event of financial loss, as it would be their money stolen rather than his.

If he does not use credit, the chances are the person using his details won't be able to achieve much. Banks often require a form of identification and lenders will decline someone with no credit history other than companies like Vanquis, who send the card to the property first, unless the person has access, which again leads to the above concern.

You can also ask CIFAS to place a protective registration marker on his details, which will block automatic access to credit without the lender confirming his identity through documentation. It does have a small fee, but it lasts for 24 months and if he doesn't use credit, it will have no impact on him, other than the protection benefits.

I hope that this has provided some guidance for you.

Samsung_Note2

Chances are a family member trying to have the old boys money out of him...probably sounds horrible but often the case.

Esp as you say he doesn't use internet and is old skool...

T-G-C

Samsung_Note2 wrote: »

Chances are a family member trying to have the old boys money out of him...probably sounds horrible but often the case.

Esp as you say he doesn't use internet and is old skool...

Yes, for someone who doesn't use the internet at all, the risk of direct digital fraud is next to none, unless his information is manually gathered through "old school" fraud, which requires a physical contact with the person and then later used on the internet through said fraudster.