Loan taken out in my name/identity theft

eddddy

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a loan has been taken out, the money has gone into your daughter's account and then, subsequently, the money has been withdrawn from the account using a cashpoint by Mr/Miss X who, as if by magic, also knows your daughter's PIN number.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.

I think you may have misunderstood the comment.

I think the suggestion is that it's true that the Satsuma loan was taken out, and that £300 was withdrawn in a Luton cornershop, and that your daughter reported it as fraud - hence there is paperwork to prove it.

But... that your daughter may know more about it than she's admitting.  For example, could your daughter have arranged the loan, withdrawn the money, and then reported her card stolen - or got a friend to do it with her agreement - because she's in deep financial difficulties which you don't know about?

Neil147

Neil147 said:

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Loan was withdrawn via cash machine with my daughters stolen bank card.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. 

She's not that switched on.

Santander absorbed the 200 of the 500 due to overdraft fees. 

MovingForwards

Don't forget this was a payday loan company who lent the money, it was paid into the daughter's account, majority removed and the daughter reported her card as lost / stolen, but had already given the PIN number out to (at least) one person.

MinuteNoodles

Neil147 said:

She's not that switched on.

Don't kid yourself. If you believe that then she's already playing you like a fiddle.
The most cunning and devious people able to game something or find a way to exploit something tend to be the low achievers, those who people assumed were thick at school.