Loan taken out in my name/identity theft

[Deleted User]

Still doesn't make much sense.  If someone else took out a loan with Satsuma, they will be chasing them for repayments.

If the person took out the loan in your daughter's name, then she needs to report that as fraud. 

Neil147

She has reported it as fraud. But Satsuma are still chasing her for the money.

Ditzy_Mitzy

You need to take this up with Satsuma Loans, in that case.  The loan is nothing to do with Santander.  How did whoever stole the card get hold of the PIN number?

[Deleted User]

Then she needs to raise a formal complaint.

If no success, go to FOS.

Santander have no responsibility for her losing her card and a third party taking out a loan with another lender.

Neil147

Deleted_User said:

Then she needs to raise a formal complaint.

If no success, go to FOS.

Santander have no responsibility for her losing her card and a third party taking out a loan with another lender.

Thanks for that.
I've passed that info on. 
This is the help she needs, and not the negativity some have portrayed.

Neil147

Ditzy_Mitzy said:

You need to take this up with Satsuma Loans, in that case.  The loan is nothing to do with Santander.  How did whoever stole the card get hold of the PIN number?

Nor I or my daughter is able to offer any light on that.

Ditzy_Mitzy

The other thing to consider is that whoever applied for the loan must have used some of his or her own details.  Otherwise the loan documentation, approval and so one, would have gone to your daughter's house and email address.  Sounds like there should be some evidence, at least, of who the miscreant is.

Neil147

Ditzy_Mitzy said:

The other thing to consider is that whoever applied for the loan must have used some of his or her own details.  Otherwise the loan documentation, approval and so one, would have gone to your daughter's house and email address.  Sounds like there should be some evidence, at least, of who the miscreant is.

Apparently the application was quite sketchy, with much in correctness in my daughters personal details.

Clive_Woody

I assume to apply for a loan this other person would have needed more than just a bank card with her account number no, address and DOB at a minimum I would have thought, also still no explanation how they got her PIN to withdraw the cash.

Clive_Woody

Not sure there is much that Santander can do. She needs to deal with Satsuma directly, provide the crime reference number and go through their complaints procedure explaining what has happened.