Does anyone know much about provident? (Fraud).

[Deleted User]

Sunflower49 said:

Deleted_User said:

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. 

Police don't really have much to do with fraud unless it is a huge case finances wise, or there is another crime involved (eg cuckooing, harassment, domestic abuse etc) unless as I've said above, it is force dependent (I'm a despatch officer).

As I said, it's disappointing - clear fraud examples, where someone can be shown to have taken out a loan in another persons name (and obviously benefited from it as you an trace the money) should result in arrest and prosecution, not Action Fraud, crime ref number and a lender forced to write off debt or whatever. I am not saying you're wrong, I am just saying it's a shame that is the situation.

2021BJ

Deleted_User said:

Sunflower49 said:

Deleted_User said:

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. 

Police don't really have much to do with fraud unless it is a huge case finances wise, or there is another crime involved (eg cuckooing, harassment, domestic abuse etc) unless as I've said above, it is force dependent (I'm a despatch officer).

As I said, it's disappointing - clear fraud examples, where someone can be shown to have taken out a loan in another persons name (and obviously benefited from it as you an trace the money) should result in arrest and prosecution, not Action Fraud, crime ref number and a lender forced to write off debt or whatever. I am not saying you're wrong, I am just saying it's a shame that is the situation.

Part of the problem is that it is ultimately up to the lender to report these things to the Police as they are the victims here, not the people whose identities have been misappropriated.

Lenders, for one reason or another (and probably in large part as they factor the cost of fraud into their rates), rarely involve the Police and if they don't, the Police have nothing to investigate.  Of course, I'm fully aware that if they did, the Police would be completely swamped...

Sunflower49

2021BJ said:

Sunflower49 said:

MalMonroe said:

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. 

Thank you. Ive written to providenct on advice of CCA. Ive said I'll go to the ombudsmen  if they dont resolve it.

Why haven't you reported this to Action Fraud?  You're not doing yourself any favours if you don't.

This will be a lot easier to resolve if you just report it and write to Provident including the reference number from Action Fraud, as has already been suggested.  Whether the Police do anything about it is immaterial as long as you get a reference number.

All this nonsense about what ID was checked (or wasn't) and if someone looks like someone else is a complete red herring and utterly irrelevant to your complaint.  You didn't take out the loan and you want it removed from your credit file and to no longer be chased for it. The end.

I will report it to Action Fraud. Reasons why I haven't encompass being in the middle of back to back 12 hour shifts, along with knowing how Action Fraud work (I deal with them several times a week) they will take the report and I will get a reference, but they won't have any input in resolving it.

Sunflower49

SparkyMark123 said:

And just too add in Provident didn’t used to have to take photographic ID I believe it used to be two utility bills of some sort ( Not a mobile phone) or anything from DWP or Council so tenancy agreement council tax Benifits letter Gas Electric Water bill and quite a few other things can’t remember them all off the top of me head but it was 2 documents. Would really help me to help OP more if you know roughly when this was taken out 

Just looked, it was  11/10/2016.

Anyway, another element to this has now been added. My partner has received a letter stating (briefly) ;

 'If you've taken a loan out from (list of companies including provident) between 2007 and 2020 the loan or guarantee may have been unaffordable because the lenders may not have carried out the correct checks when they made the loan or took the guarantee. We're writing to all borrowers who received loans from the lenders to see if the lenders owe you compensation.

We are using a plan called 'Scheme of Arrangement 'to deal with all borrowers and guarantors. 

If approved provident financial PLC will make £50 Million available to pay valid compensation claims.

If this scheme is approved you will have 6 months to make a claim.'

 It then details how to approve the scheme. Hm. I guess she should go for that regardless of the fact it was taken out fraudulently?
The letter head reads 'Provident', as if it is from them.

2021BJ

Sunflower49 said:

2021BJ said:

Sunflower49 said:

MalMonroe said:

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. 

Thank you. Ive written to providenct on advice of CCA. Ive said I'll go to the ombudsmen  if they dont resolve it.

Why haven't you reported this to Action Fraud?  You're not doing yourself any favours if you don't.

This will be a lot easier to resolve if you just report it and write to Provident including the reference number from Action Fraud, as has already been suggested.  Whether the Police do anything about it is immaterial as long as you get a reference number.

All this nonsense about what ID was checked (or wasn't) and if someone looks like someone else is a complete red herring and utterly irrelevant to your complaint.  You didn't take out the loan and you want it removed from your credit file and to no longer be chased for it. The end.

I will report it to Action Fraud. Reasons why I haven't encompass being in the middle of back to back 12 hour shifts, along with knowing how Action Fraud work (I deal with them several times a week) they will take the report and I will get a reference, but they won't have any input in resolving it.

You still don't seem to be getting it.

Neither I nor anyone else has said Action Fraud will do anything about it. In fact, the very post you quoted from me says as much.

It's about showing the lender that you're actually serious about this being fraud, and not just a chancer trying to get a legitimate debt written off.  If you don't do this, I suspect you won't be taken seriously and you won't get this resolved any time soon, or if you do, it will take far, far longer than it needs to.  Provident may sort this out just with your AF reference number but if you insist on avoiding getting one and going all the way to the FOS that will take a LONG time.

[Deleted User]

Sunflower49 said:

 It then details how to approve the scheme. Hm. I guess she should go for that regardless of the fact it was taken out fraudulently?

You mean support making a mis-selling complaint for a loan she says didn't take out? 

No. Absolutely, no.

SparkyMark123

Sunflower49 said:

SparkyMark123 said:

And just too add in Provident didn’t used to have to take photographic ID I believe it used to be two utility bills of some sort ( Not a mobile phone) or anything from DWP or Council so tenancy agreement council tax Benifits letter Gas Electric Water bill and quite a few other things can’t remember them all off the top of me head but it was 2 documents. Would really help me to help OP more if you know roughly when this was taken out 

Just looked, it was  11/10/2016.

Anyway, another element to this has now been added. My partner has received a letter stating (briefly) ;

 'If you've taken a loan out from (list of companies including provident) between 2007 and 2020 the loan or guarantee may have been unaffordable because the lenders may not have carried out the correct checks when they made the loan or took the guarantee. We're writing to all borrowers who received loans from the lenders to see if the lenders owe you compensation.

We are using a plan called 'Scheme of Arrangement 'to deal with all borrowers and guarantors. 

If approved provident financial PLC will make £50 Million available to pay valid compensation claims.

If this scheme is approved you will have 6 months to make a claim.'

 It then details how to approve the scheme. Hm. I guess she should go for that regardless of the fact it was taken out fraudulently?
The letter head reads 'Provident', as if it is from them.

The above relates to the compensation scheme provident are currently going through there’s a separate topic basically provident believe your partner to be a customer so have written

back to the op

what I believe based on info you have provided to have happened is as follows

your partners ex applied for a loan using your partners details. Provident then called round to your property to complete a loan for the person who they believed to be your partner

your partners ex ( claiming to be your partner then signed for the loan having completed all the application  aspects proof of I’d - could be paper documents wage slips etc

I would complete a SAR for provident 

NB

this is a theory of what could have happened but as for the full facts I don’t know

SparkyMark123

2021BJ said:

Sunflower49 said:

2021BJ said:

Sunflower49 said:

MalMonroe said:

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. 

Thank you. Ive written to providenct on advice of CCA. Ive said I'll go to the ombudsmen  if they dont resolve it.

Why haven't you reported this to Action Fraud?  You're not doing yourself any favours if you don't.

This will be a lot easier to resolve if you just report it and write to Provident including the reference number from Action Fraud, as has already been suggested.  Whether the Police do anything about it is immaterial as long as you get a reference number.

All this nonsense about what ID was checked (or wasn't) and if someone looks like someone else is a complete red herring and utterly irrelevant to your complaint.  You didn't take out the loan and you want it removed from your credit file and to no longer be chased for it. The end.

I will report it to Action Fraud. Reasons why I haven't encompass being in the middle of back to back 12 hour shifts, along with knowing how Action Fraud work (I deal with them several times a week) they will take the report and I will get a reference, but they won't have any input in resolving it.

You still don't seem to be getting it.

Neither I nor anyone else has said Action Fraud will do anything about it. In fact, the very post you quoted from me says as much.

It's about showing the lender that you're actually serious about this being fraud, and not just a chancer trying to get a legitimate debt written off.  If you don't do this, I suspect you won't be taken seriously and you won't get this resolved any time soon, or if you do, it will take far, far longer than it needs to.  Provident may sort this out just with your AF reference number but if you insist on avoiding getting one and going all the way to the FOS that will take a LONG time.

This is probably the best advice you will get in this thread. Think about it like being building blocks reporting to AF is your base your fortress everything else the advice and others have given can be stacked upon

get the fraud reference number first then see what provi come back with answer in your own terms why you think it is fraud ( use the advice I and others have given so far) and then go from there

If it is genuine fraud you need to show why and how it happened otherwise with provy and every Tom !!!!!! and Harry could simply complain and say it wasn’t me guv