Loan taken out in my name/identity theft

MinuteNoodles

Neil147 said:

My daughter suspects that it's someone she knows that's taken out this loan and withdrawing from bank machine because they knew her pin.

Which unfortunately means she gave someone it which is a breach of Santanders terms. Santander like pretty much every bank, won't take any action if someone has willingly disclosed their PIN to a third party and hold the account holder liable except in a very small minority of cases.

Ditzy_Mitzy

Just to play devil's advocate here, and because it's a question that needs asking - has this actually happened?  Forget what's been said, look at the facts.  At the moment all we know is that a loan has been taken out, the money has gone into your daughter's account and then, subsequently, the money has been withdrawn from the account using a cashpoint by Mr/Miss X who, as if by magic, also knows your daughter's PIN number. 
Maybe that's what happened.  But you have to admit that it's an incredibly convoluted way of stealing £300.  Mr or Miss X, when you think about it, would have had a much easier time picking a pocket or two. 
In my somewhat limited experience, low value 'thefts' of this nature, where the theft has taken place in unusual circumstances or some of the details don't quite ring true, aren't thefts at all.  They are fictions created to cover the tracks of money spent that can't be afforded, or that the payer is ashamed to be handing over: unpaid bills, credit defaults, loan sharks, gambling, dodgy acquaintances, drugs, you name it.  It might be that she had someone waiting for the £300 and had to get it by any means available, knowing that she couldn't afford to repay the loan.
I'm not accusing your daughter of lying, I can't and it's not my place to, but you or someone close to her needs to explore this avenue.  You owe it to her - she could be some sort of trouble that you don't know about. 

Neil147

Ditzy_Mitzy said:

Just to play devil's advocate here, and because it's a question that needs asking - has this actually happened?  Forget what's been said, look at the facts.  At the moment all we know is that a loan has been taken out, the money has gone into your daughter's account and then, subsequently, the money has been withdrawn from the account using a cashpoint by Mr/Miss X who, as if by magic, also knows your daughter's PIN number. 
Maybe that's what happened.  But you have to admit that it's an incredibly convoluted way of stealing £300.  Mr or Miss X, when you think about it, would have had a much easier time picking a pocket or two. 
In my somewhat limited experience, low value 'thefts' of this nature, where the theft has taken place in unusual circumstances or some of the details don't quite ring true, aren't thefts at all.  They are fictions created to cover the tracks of money spent that can't be afforded, or that the payer is ashamed to be handing over: unpaid bills, credit defaults, loan sharks, gambling, dodgy acquaintances, drugs, you name it.  It might be that she had someone waiting for the £300 and had to get it by any means available, knowing that she couldn't afford to repay the loan.
I'm not accusing your daughter of lying, I can't and it's not my place to, but you or someone close to her needs to explore this avenue.  You owe it to her - she could be some sort of trouble that you don't know about. 

I can assure Ditzy, that it has happened.

Her mother has seen the paperwork In relation to this issue.

Hasbeen

Neil147 said:

Ditzy_Mitzy said:

Just to play devil's advocate here, and because it's a question that needs asking - has this actually happened?  Forget what's been said, look at the facts.  At the moment all we know is that a loan has been taken out, the money has gone into your daughter's account and then, subsequently, the money has been withdrawn from the account using a cashpoint by Mr/Miss X who, as if by magic, also knows your daughter's PIN number. 
Maybe that's what happened.  But you have to admit that it's an incredibly convoluted way of stealing £300.  Mr or Miss X, when you think about it, would have had a much easier time picking a pocket or two. 
In my somewhat limited experience, low value 'thefts' of this nature, where the theft has taken place in unusual circumstances or some of the details don't quite ring true, aren't thefts at all.  They are fictions created to cover the tracks of money spent that can't be afforded, or that the payer is ashamed to be handing over: unpaid bills, credit defaults, loan sharks, gambling, dodgy acquaintances, drugs, you name it.  It might be that she had someone waiting for the £300 and had to get it by any means available, knowing that she couldn't afford to repay the loan.
I'm not accusing your daughter of lying, I can't and it's not my place to, but you or someone close to her needs to explore this avenue.  You owe it to her - she could be some sort of trouble that you don't know about. 

I can assure Ditzy, that it has happened.

Her mother has seen the paperwork In relation to this issue.

Op. Sorry agree with Ditzy Mitzy 

You really have to have a word with your daughter into this "problem" and also look at the "paperwork" her mother has seen?

superbigal

Still never mentioned where the additional unwanted £200 has gone ?

apb123

I always struggle to understand the banks position in these cases. She didn't take out the loan..she should not have to pay it back. It is fraud. Presumably the bank will have paid it somewhere.

Dont ignore it.(young people often do).  Talk to the bank, but be ready to complain, complain complain. Dont take no for an answer. Go on the attack..how can someone who is not your daughter take out a loan in your daughters name, they will have breached procedures somewhere. Ask them to freeze the debt until this issue is resolved. Ask to be registered as a vulnerable person. Go to the ombudsman.

Presumably the money from the loan will have been transferred to another account, asked them to chase this up. Go to the police, go to action fraud, post your complaint on twitter and how bad the bank are dealing with it....failing that launch a small claim court claim to the bank....no reasonable minded judge will find against you in these circumstances.

Remember to get them to repair your daughters credit record as well.

Neil147

apb123 said:

I always struggle to understand the banks position in these cases. She didn't take out the loan..she should not have to pay it back. It is fraud. Presumably the bank will have paid it somewhere.

Dont ignore it.(young people often do).  Talk to the bank, but be ready to complain, complain complain. Dont take no for an answer. Go on the attack..how can someone who is not your daughter take out a loan in your daughters name, they will have breached procedures somewhere. Ask them to freeze the debt until this issue is resolved. Ask to be registered as a vulnerable person. Go to the ombudsman.

Presumably the money from the loan will have been transferred to another account, asked them to chase this up. Go to the police, go to action fraud, post your complaint on twitter and how bad the bank are dealing with it....failing that launch a small claim court claim to the bank....no reasonable minded judge will find against you in these circumstances.

Remember to get them to repair your daughters credit record as well.

Thanks for those words of encouragement. I will pass on your Pearl's of wisdom. I've already told her to hustle more and not get fobbed off over the phone and make an official complaint.

[Deleted User]

Neil147 said:

apb123 said:

I always struggle to understand the banks position in these cases. She didn't take out the loan..she should not have to pay it back. It is fraud. Presumably the bank will have paid it somewhere.

Dont ignore it.(young people often do).  Talk to the bank, but be ready to complain, complain complain. Dont take no for an answer. Go on the attack..how can someone who is not your daughter take out a loan in your daughters name, they will have breached procedures somewhere. Ask them to freeze the debt until this issue is resolved. Ask to be registered as a vulnerable person. Go to the ombudsman.

Presumably the money from the loan will have been transferred to another account, asked them to chase this up. Go to the police, go to action fraud, post your complaint on twitter and how bad the bank are dealing with it....failing that launch a small claim court claim to the bank....no reasonable minded judge will find against you in these circumstances.

Remember to get them to repair your daughters credit record as well.

Thanks for those words of encouragement. I will pass on your Pearl's of wisdom. I've already told her to hustle more and not get fobbed off over the phone and make an official complaint.

She needs to hustle less. The problem is that Satsuma already think she has tried to hustle them!

So less hustling and more determination.

Mojisola

Neil147 said:

Santander wont help. They won't show her any paperwork. They've refused to take my daughters plea seriously even though there was a crime ref number, and about to involve the bailiffs.
Loan was withdrawn via cash machine with my daughters stolen bank card.

Don't cash machines record the person withdrawing the money?

Couldn't Santander give photo evidence to the police?

Neil147

Mojisola said:

Neil147 said:

Santander wont help. They won't show her any paperwork. They've refused to take my daughters plea seriously even though there was a crime ref number, and about to involve the bailiffs.
Loan was withdrawn via cash machine with my daughters stolen bank card.

Don't cash machines record the person withdrawing the money?

Couldn't Santander give photo evidence to the police?

It wasn't a Santander cash machine. It was one of these random cash machine in a corner shop type. There was no cctv at that cash machine.