Ex partner opened accounts

Hampton1968

After discovering defaulted accounts on my credit file  I have since found out it’s an ex partner who has admitted it 
I have reported to action fraud , now what ? Can the debt be transferred to them ? They are willing to try and  sort it and put the debt to them .

2021BJ

Ask the creditor?

[Deleted User]

Yes they will be able to move the debt to the ex partner provided you give all the fraud details to them, they can remove the defaults etc

Hampton1968

Deleted_User said:

Yes they will be able to move the debt to the ex partner provided you give all the fraud details to them, they can remove the defaults etc

So if they co operate and move the debt to them and pay it off hey won’t be prosecuted? 

[Deleted User]

Hampton1968 said:

Deleted_User said:

Yes they will be able to move the debt to the ex partner provided you give all the fraud details to them, they can remove the defaults etc

So if they co operate and move the debt to them and pay it off hey won’t be prosecuted? 

That isn't something anyone can predict, the debt owner may want to see evidence of a prosecution and your co-operation with it, the police may decide not to go any further. I'd speak to the debtors and give them what you have told us and ask what else they need to move the debts

Jamesyb123

They will definitely get a CIFAS fraud marker which will prevent them from obtaining pretty much any financial product and they may have all their accounts etc closed however that may not matter as they may be doing a stretch inside 

Hampton1968

Jamesyb123 said:

They will definitely get a CIFAS fraud marker which will prevent them from obtaining pretty much any financial product and they may have all their accounts etc closed however that may not matter as they may be doing a stretch inside 

If they are jailed then they definitely won’t be able to pay back , so makes no sense to do that 

MattMattMattUK

Hampton1968 said:

Jamesyb123 said:

They will definitely get a CIFAS fraud marker which will prevent them from obtaining pretty much any financial product and they may have all their accounts etc closed however that may not matter as they may be doing a stretch inside 

If they are jailed then they definitely won’t be able to pay back , so makes no sense to do that 

It is unlikely they would be jailed, but if they were it would be months not years. Criminal prosecutions are also separate from civil debt recovery, so they could be jailed whilst the lenders obtain CCJs and then enforce them after release.

Notnewnotold

Hampton1968 said:

Jamesyb123 said:

They will definitely get a CIFAS fraud marker which will prevent them from obtaining pretty much any financial product and they may have all their accounts etc closed however that may not matter as they may be doing a stretch inside 

If they are jailed then they definitely won’t be able to pay back , so makes no sense to do that 

So you'll have to live with a trashed credit file then - it's really an either/or choice - report it or suck it up...

2021BJ

Notnewnotold said:

Hampton1968 said:

Jamesyb123 said:

They will definitely get a CIFAS fraud marker which will prevent them from obtaining pretty much any financial product and they may have all their accounts etc closed however that may not matter as they may be doing a stretch inside 

If they are jailed then they definitely won’t be able to pay back , so makes no sense to do that 

So you'll have to live with a trashed credit file then - it's really an either/or choice - report it or suck it up...

They already have reported it.

Whether it gets reported to the real police or not will be up to the original creditor.