Advice for car finance taken out frauduently

Shaun_of_the_Dead

AdrianC wrote: »

Well...



Nope, many of the people who have had copies of my licence for ID have never seen the original. Like I said, I keep a scan of it to email through - sometimes, it needs printing and some boilerplate text adding. VERY rarely, it needs to be countersigned by an accountant friend or similar "professional".

Then, of course, there's if I use it to collect a parcel at the PO, and the person behind the counter takes it away while they find the parcel... Who knows if they've taken a copy?

More fool them to accept a copy that uncertified.

shaun_from_Africa

If finance is taken out at a distance (over the phone or online), do you have to submit copies of documents as proof of ID and address or do you have to send them original documents?
I've never done this so I have no idea of the process.

The_Rainmaker

Frank9393 wrote: »

The letter states my partner is the guarantor and his dissolved company from several years ago was the person/company taking out the finance.

This is the part that jumped out at me.

Did your partner own a company that is now dissolved? Who were the other shareholders? Was this alleged loan taken out prior to or around the time the company was dissolved?

Frank9393

I've been reading so much about this I'm starting to confuse myself. I've read previously that to be a guarantor you must be over 21, have a good credit history and ideally a homeowner. I also read that a series of bank statements are required for checks, actual bank details and credit check (none of these show in the information the solicitor has sent). I also read the signature has to be face to face with a witness and original documents but not sure how this now works with so many online companies.

Frank9393

My partner was the company director of the dissolved business, as the other person didn't want to be named on there. After we had suspicions about this person my partner closed the business and set up on his own. We have no idea when this agreement took place as none of the documents have a date on them.

Penelopa.Pitstop

shaun_from_Africa wrote: »

It's possible that the fraudster got hold of your driving licence details then applied to the DVLA for a change of address, using the property mentioned above as their new one.
They need a few more details to make this change (such as National insurance number and passport details (I think) but if they managed to get hold of these, this is what may have happened.

It might be worth giving the DVLA a call just to make sure that this hasn't occurred.

If faudster had access to details required to request new driving licence, then they would have correct DOB. Which doesn't seem the case here.

AdrianC

Penelopa.Pitstop wrote: »

If faudster had access to details required to request new driving licence, then they would have correct DOB. Which doesn't seem the case here.

The DoB is on the driving licence anyway, along with address and signature - so simple incompetence appears to be in play.

We're all playing detective, but it's far simpler than that - call their bluff, because it ain't in any way enforceable.

Manxman_in_exile

Have you checked the firm of solicitors is a genuine firm? They probably are, but...


If the personal details you mention on the guarantor form are wrong and the signature is clearly not your partner's, then I'd be surprised if it went any further after you've pointed this out to the solicitors.

Frank9393

I have checked out the solicitor online and they appear to be genuine. I thought it was odd that a copy of the driving licence they say they have wasn't attached to the other info they sent in the letter though? We have asked for the driving licence to be sent to us but no response. The solicitor also requested we send all the details that were incorrect, which we did however we only confirmed what information was missing/incorrect and did not confirm the correct personal data.

Herzlos

How far away is the solicitors office? It may be worth going in.

Did you contact them using the details they provided or did you get them independently?

Ditto the lease company.

Being that the paperwork is entirely wrong, I'd be inclined to respond to the solicitor saying it wadnt you and leave it at that. Don't give them any indication what's wrong or the correct details so they cant fix it.

I'd also be looking at some credit reporting tools to make sure nothing funny is going on.