Fraud Case

edited 30 November -1 at 1:00AM in Credit File & Ratings
13 replies 1.3K views
abdul56abdul56 Forumite
47 Posts
Part of the Furniture Combo Breaker
edited 30 November -1 at 1:00AM in Credit File & Ratings
Hello,

Looking for advice. I found out someone has taken out a loan in my name. I am shocked they had my full name, address and DOB. I do not know what other details they had.
This was with a payday lender 'Satsuma'.

I have contacted action fraud, experian credit agency and informed satsuma who were not helpful.

Is there anything else I should do?

Is there anyway of preventing this from happening?

thanks in advance.
«1

Replies

  • eskbankereskbanker Forumite
    18.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    In terms of future prevention, CIFAS provides a protective registration service that makes it harder for anyone (including you!) to open any credit products in your name by enforcing additional application checks:

    https://www.cifas.org.uk/services/identity-protection/protective-registration
  • abdul56 wrote: »
    Hello,

    Looking for advice. I found out someone has taken out a loan in my name. I am shocked they had my full name, address and DOB. I do not know what other details they had.
    This was with a payday lender 'Satsuma'.

    I have contacted action fraud, experian credit agency and informed satsuma who were not helpful.

    Is there anything else I should do?

    Is there anyway of preventing this from happening?

    thanks in advance.

    Unfortunately there is little you can do to prevent this ongoing activity. It seems your personal data is out there somewhere and you 'cannot put the genie back into the bottle'

    What is unclear at this time is who has access to your personal details to obtain loans by fraudulent means.

    It may be that your details are freeley available to all, or are being sold or otherwsie made available to those wiling to be involved in criminal activity.

    Or it may simply be someone who knows you that has access to such information.

    The best you can do at present is to keep a careful watch on any credit applications made, and alert any fraudlunet ativity to the relevant authorities (including, of course, the creditor) as soon as you becaome aware.

    Hopefully, those involved in the criminality will soon be apprehended.

    Take care :)
  • Ben8282Ben8282
    4.8K Posts
    1,000 Posts Combo Breaker Newshound!
    ✭✭✭✭
    I found out someone has taken out a loan in my name.
    How did you find this out?
    I am shocked they had my full name, address and DOB
    Not really all that difficult to obtain. But not in itself sufficient to take out a loan.
  • abdul56abdul56 Forumite
    47 Posts
    Part of the Furniture Combo Breaker
    Ben8282 wrote: »
    I found out someone has taken out a loan in my name.
    How did you find this out?
    I am shocked they had my full name, address and DOB
    Not really all that difficult to obtain. But not in itself sufficient to take out a loan.

    I received a letter from Satsuma (payday lender), in the post indicating I had missed payments from a loan.
  • Willing2LearnWilling2Learn Forumite
    6.3K Posts
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    ✭✭✭✭
    abdul56 wrote: »
    I have contacted action fraud, experian credit agency and informed satsuma who were not helpful.
    You should check your three credit files, to make sure that all the data held on you is accurate. :)
    I work within the voluntary sector, supporting vulnerable people to rebuild their lives.

    I love my job

    :smiley:
  • sourcratessourcrates Forumite, Board Guide
    23.6K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    Lots of people post there name, there address, there birthday, and there mobile number on social media, that’s all a scammer needs to commit identity fraud, then they wonder how they were scammed......
    I'm a Board Guide on the Debt-Free Wannabe, Credit File and Ratings, Bankruptcy And Living With It, boards. "I volunteer to help get your forum questions answered and keep the forum running smoothly".
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to:
    [email protected].
    Any views expressed are mine and not the official line of MoneySavingExpert.com.
    "I don`t trust Bankers, I don`t trust Banks, and I don`t trust you.........Private Frazer".
    For free debt advice, contact either : Stepchange, National Debtline, CitizensAdviceBureaux.
  • boo_starboo_star Forumite
    3.2K Posts
    Part of the Furniture 1,000 Posts
    ✭✭✭✭
    sourcrates wrote: »
    Lots of people post there name, there address, there birthday, and there mobile number on social media, that’s all a scammer needs to commit identity fraud, then they wonder how they were scammed......

    Not really, no.

    It's nowhere near that easy. It's certainly possible though, with very lax security from the lender.
  • eskbankereskbanker Forumite
    18.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    abdul56 wrote: »
    I received a letter from Satsuma (payday lender), in the post indicating I had missed payments from a loan.
    If this is the first piece of Satsuma correspondence that's reached you then what's happened to the others before it - does anyone else have access to your post, either within your home or in a shared hallway, etc?

    You might wish to submit a subject access request to find out exactly what data they hold about you, as explained at https://www.satsumaloans.co.uk/privacy
  • Ben8282Ben8282
    4.8K Posts
    1,000 Posts Combo Breaker Newshound!
    ✭✭✭✭
    abdul56 wrote: »
    I received a letter from Satsuma (payday lender), in the post indicating I had missed payments from a loan.
    So what did you do next after you received the letter?
  • foxhat2foxhat2 Forumite
    10 Posts
    First Post
    MoneySaving Newbie
    Put a protective CIFAS on as suggested above.
    I know exactly how it feels. We had fraud against us by people we thought of as ‘friends’ who obviously had access to personal details and access to our home and mail. We only became aware when a letter asking which account the loan charged against our home should be paid into! Something to consider but unlikely I know.
    It’s worth checking your P.C / phones & tablets for malware also.
    Hope you have nipped it in the bud, it’s a terrible thing to go through.
This discussion has been closed.
Latest MSE News and Guides

Energy price cap could be extended beyond 2023

New plans have just been announced by the Government

MSE News

Cheap contents insurance for tenants

DON'T assume your landlord covers you

MSE Guides

Summer sizzlers round-up

Incl £2ish sun cream & £1.50 disposable BBQs

MSE Deals