Does anyone know much about provident? (Fraud).

peteuk

Provident are a door step loan company and it is unlikely they would have paid the loan without visiting first, to check the details and for proof of identity.  It would be interesting to see what they have as such proof. 

Sunflower49

Deleted_User said:

Sunflower49 said:

It is unclear, sorry. I misunderstood what my partner said at the time of her telling me about it-they DID live at the same address at the time the account was opened I went back to edit the post accordingly and obviously failed-I will re-edit now. 

This isn't a police matter unfortunately

No, it very much IS a police matter, it's fraud
The company categorically will not remove the debt from your partner's name without involving the police. Think about it - if you could just say "oh that debt isn't mine" and the firm say "oh ok, we'll not chase you any more" people could run up huge amounts of fraud.
You have 2 choices and ONLY two choices:
1) Take the hit of the debt, arguing with bailiffs, debt collectors, court costs etc and try and argue it isn't yours (which has little chance of success given you are unwilling to involve the police)
2) Report this fraud to the police and then go back to the lender with the crime details and go from there

Maybe it is force dependent? I work for the police-the force I work for categorically would not deal with it.

Caz3121

Sunflower49 said:

Maybe it is force dependent? I work for the police-the force I work for categorically would not deal with it.

I would consider 'Action Fraud' (the place to report online) as the 'police' in this situation. (their website is actionfraud.police.uk) 

Sunflower49

peteuk said:

Provident are a door step loan company and it is unlikely they would have paid the loan without visiting first, to check the details and for proof of identity.  It would be interesting to see what they have as such proof. 

This^Is what I am hoping to get them on. They both look SO different, and surely they'd want photo ID? 

Sunflower49

Well I've spoken to the CCA and they seemed to think I may have a case for Provident not following their own stated protocol, when I explained how different both parties looked-they've asked me to email all details and provide my partner's contact details. Fingers crossed. Thanks for everyone's help. I have no idea how she managed to do this! 

MalMonroe

Caz3121 said:

Sunflower49 said:

Maybe it is force dependent? I work for the police-the force I work for categorically would not deal with it.

I would consider 'Action Fraud' (the place to report online) as the 'police' in this situation. (their website is actionfraud.police.uk) 

Action Fraud doesn't actually take any action though. I think they should change their name. 

MalMonroe

Sunflower49 said:

Deleted_User said:

Sunflower49 said:

It is unclear, sorry. I misunderstood what my partner said at the time of her telling me about it-they DID live at the same address at the time the account was opened I went back to edit the post accordingly and obviously failed-I will re-edit now. 

This isn't a police matter unfortunately

No, it very much IS a police matter, it's fraud
The company categorically will not remove the debt from your partner's name without involving the police. Think about it - if you could just say "oh that debt isn't mine" and the firm say "oh ok, we'll not chase you any more" people could run up huge amounts of fraud.
You have 2 choices and ONLY two choices:
1) Take the hit of the debt, arguing with bailiffs, debt collectors, court costs etc and try and argue it isn't yours (which has little chance of success given you are unwilling to involve the police)
2) Report this fraud to the police and then go back to the lender with the crime details and go from there

Maybe it is force dependent? I work for the police-the force I work for categorically would not deal with it.

You are right, sadly, the police won't be bothered. 

There is a third choice. You DO have another choice.

There is advice from Citizens Advice in this link under the heading "If someone used your name to open new accounts, get credit or buy services".

https://www.citizensadvice.org.uk/debt-and-money/banking/banking-security-and-fraud/

Basically your partner's ex has stolen her identity and that's just not on.   

I'd have another try at reporting this to Provident - maybe by phone, though - and if they continue to ignore what your partner tells them, then she should go to the Financial Ombudmsan, as it states in the Citizens Advice website. They also have an online form you can fill in on that site, couldn't be easier, I have just done one myself. 

Thrugelmir

Sunflower49 said:

peteuk said:

Provident are a door step loan company and it is unlikely they would have paid the loan without visiting first, to check the details and for proof of identity.  It would be interesting to see what they have as such proof. 

This^Is what I am hoping to get them on. They both look SO different, and surely they'd want photo ID? 

What actual evidence does your partner have?  Why not pursue the ex partner? 

nyermen

Firstly - OP - assuming there is the will to, report it to Action Fraud.  At least get a crime number and pass it to the DC.

Secondly - evidence. It would appear this was taken out when they were living together.  I doubt photo ID would matter, just a bill or something else for the address, plus a credit check (maybe?) to confirm address, would be considered enough.  Especially if they're at the door.

BUT - unless not a single payment was made from then onwards, how were payments made?  Do they collect at the door?  If so, a statement should show that they were still collecting after your partner could prove they had moved away.  Otherwise it might be by bank account - even better.   Also, how is the money paid?  Cash?  To a bank account?  If the money was paid to someone else (and even better if that someone else made repayments from their account etc) I think any magistrate (if it came to that) would add two and two together pretty easily.

[Deleted User]

Sunflower49 said:

Deleted_User said:

Sunflower49 said:

It is unclear, sorry. I misunderstood what my partner said at the time of her telling me about it-they DID live at the same address at the time the account was opened I went back to edit the post accordingly and obviously failed-I will re-edit now. 

This isn't a police matter unfortunately

No, it very much IS a police matter, it's fraud
The company categorically will not remove the debt from your partner's name without involving the police. Think about it - if you could just say "oh that debt isn't mine" and the firm say "oh ok, we'll not chase you any more" people could run up huge amounts of fraud.
You have 2 choices and ONLY two choices:
1) Take the hit of the debt, arguing with bailiffs, debt collectors, court costs etc and try and argue it isn't yours (which has little chance of success given you are unwilling to involve the police)
2) Report this fraud to the police and then go back to the lender with the crime details and go from there

Maybe it is force dependent? I work for the police-the force I work for categorically would not deal with it.

Action Fraud = police in this context, even if they are technically not. It is fraud and police should look at it, that they won't is a show of the state of UK society unfortunately.