Son is using my Details to obtain Credit

itsnever2lateisit?

Your problem is OP that now that you know whats happened you are complicite in the act unless you report him

Only you know your relationship with him, and whether stern words from you will cause him to pay up and cancel the card, and surrender the phone. Even then your credit rating is affected unless you report him for his deed

Browntoa

this is your first step, protective Registration

http://www.cifas.org.uk/default.asp?edit_id=565-85

without your password he CANNOT get credit

In_Search_Of_Me

umm tricky because your so has fraudulently obtained money in your name.The only thing you can do it to report it as a crime, get a crime number & then pass the details on to the companies involved who clearly didnt do checks etc cs they gave him, not you the money. While you would get the money back they would most likely have your son arrested & prosecuted...I'm fairly sure this is correct (know someone it happened to) but I would get advice from CAB etc..Its one of those impossible situations - if you let him get away with it then he'll never learn but will probably end up with a criminal conviction or you let him get away with it, have the debt & never feel able to trust him again...Why did he need the money? I do wonder from the limited info whether he has drug/alch or gambling probs? In which case you may be doing him a favor by shopping him as it may force his light bulbmoment and get him to start taking responsibility for his actions...Big hug for you, this is a real toughie for you. Let us know how you get on!

tomstickland

It all depends on your relationship with your son. If you can sort it out then you could pay it off between you and take it no further legally.
Otherwise you'll have to report the fraud and he'll have to deal with it.

moanymoany

If your son is prepared to steal from you in this despicable way then you should report it to the police. It is a huge amount of money and at 24 he is well aware of what he is doing. I bet he is dishonest in other ways. Also, if you don't go to the police he will do it again as he knows he gets away with it.

He deserves what he gets.

GeorgeUK

I'm sorry, but either you need to deal with the debt yourself or report the crime and your son will probably be arrested. Has he said anything to you about it? How did you find out?

C32AMG

Have a chat with your son - if he is able to pay you back (either as one lump sum, or over a short period of time - say, 6 months max) on the agreement that the accounts he has opened are closed and that he won't do it again, I would go down that route. Make sure he is aware that if he tries it again in future, you will report it to the police no matter what.

However, if he is unable to pay you back in a suitable time frame I would have a chat to him first, then inform him you are going to report him to the police for the crimes and that it is a 'needs must' situation.

I am the same age as your son, and he knows very well what he is doing. This is a complete and total abuse of trust and I would hope that you give some serious thought to throwing him out of home (if he lives with you).

chevalier

Sorry I agree with everyone else, report him, chuck him out of the house if he lives with you, change the locks, and put a notice of disassociation on your credit file to ensure he can get no more credit.

I think this is an absolutely crap thing to do to a parent. It shows he views you with total contempt.

Really feel for you finding this out just before christmas
chev

duchy

Ouch
Have a hug
You must feel so angry and hurt
As from what you say he has no way of clearing these debts and may default on them anyway I don't think you have a choice. Yes family loyalty is important but it is a two way street and he's behaving in a way he knows WILL hurt you both emotionally and financially. I don't think you have a choice-but to report him and let the process take its course.
Sorry but it's time to 1 Protect yourself and 2 Show him some tough love-you may stop him from ruining his entire life if you make him accountable now. He may be angry with you for a while but if there's a decent person in there in time he'll realize you did what you had to do for BOTH your sakes. All we can do is try and raise our children right -but the time comes when they have to make their own way and decide if the principles we raised them with are the ones they choose to live by -Have another hug !

In_Search_Of_Me

How you doing bude? I really feel for you in this...such a difficult dilemma for you cos you cant win either way...I knw people are being quite clear cut in what they think but this is your decision and you also have to live with the consequences of the decision you make so do what you feel is right..hugs for you.