Advice Needed on how to approach a serious problem...

gizmo111

Did he not have a redirect on his post when he moved? 

MovingForwards

I've no idea about sequestration, but companies don't tend to bankrupt people easily.

I appreciate you're trying to get all the information possible but you need to approach your dad. Let him make the decision and if he wants to do something about it then he contacts action fraud, provides the reference number to all the creditors and deny the debts are his (assuming they aren't).

yksi

gizmo111 said:

Did he not have a redirect on his post when he moved? 

It won't matter if someone is intercepting it.

Fighter1986

NoTB said:

MovingForwards said:

NoTB said:

nic_c said:

Your email account was used with your fathers permission as a means of communication, I don't think there is an issue with that, though you may wish to let him know you've been getting alerts and what it means.

Then there is the fraud issue. At some point they are going to start chasing your father, they could get CCJ's against him which whilst from the terms of credit is not an issue for him, they could then enforce it and put charges on his house so that if the house was sold, they would get paid then.

Get a list of all these accounts, your father would then need to report the crime, and then provide information to creditors. It is those companies that have been defrauded out of money, but no reason why your father should be liable. It is probably better to do it now than in a few years time. 

Thank you for the decent reply unlike the ridiculousness of the other reply who thought they were some big pompous a-hole offering up nothing more than accusations of lies than help. 

In terms of CCJ's, we are in Scotland (don't know if this matters), how long does this usually take to reach this point as I note they have been outstanding for quite a while already. 

Thanks again for your advice, I think I will sit down with him within the week.

It's 5 years for debt limitation in Scotland. If proceedings are not commenced within that time, then they can't do it after 5 years.

Thanks for your reply. In terms of the proceedings, is there a threshold at which creditors will look to pursue or initiate sequestration proceedings? I read you must owe at least £3k but is this likely as I can imagine it is an expensive process. I suppose the question is how likely is a creditor to pursue this for a debt just over the threshold? Reason for asking is that three of the accounts currently have balances of £3k or more according to his file.

Court action can be brought against someone for any amount owing. If your father has assets he needs to protect them by addressing the issue, reporting the fraud and notifying the lenders.

All he needs to do is tell the police that he has been the victim of identity theft, tell the police the details of the accounts that were taken out in his name, and then give the crime reference number to the lenders in question explaining he had moved when this happened. 

They will take care of the rest. It's upto the police / lenders to make investigations about who could have received the proceeds, not your father.