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Identity used to buy multiple car insurance policies now being threatened with court

RosJess
Posts: 7 Forumite

A few months ago my husband received a letter from a car insurance company saying his policy had been cancelled because he had not paid the premium. He had not taken out this insurance and it was not our car and this was just the first of six different letters from six different companies.
His name, address and birth date had been used to obtain insurance, most likely we imagine by fraudulent brokers who ‘sell’ non-existent policies to unsuspecting drivers.
All of the insurers were happy to accept that the policy was nothing to do with us and cancel with no implications except One Call!
One Call are insisting that he prove that he did not own the Mercedes which was insured and despite two long online ‘chats’ and finally one telephone call they refuse to back down. They are demanding payment or proof, and threatening court enforcement action.
We have suggested that they can make enquiries with the DVL A but they refuse and tell us to complete what turns out to be a non existent form VQ7. They say we need to give them the ownership history of the car which as far as we can tell we are unable to obtain.
we reported to Action Fraud but because there was no loss to my husband they were not prepared to do anything.
Has anyone else encountered this problem or have any suggestions of how to resolve this?
His name, address and birth date had been used to obtain insurance, most likely we imagine by fraudulent brokers who ‘sell’ non-existent policies to unsuspecting drivers.
All of the insurers were happy to accept that the policy was nothing to do with us and cancel with no implications except One Call!
One Call are insisting that he prove that he did not own the Mercedes which was insured and despite two long online ‘chats’ and finally one telephone call they refuse to back down. They are demanding payment or proof, and threatening court enforcement action.
We have suggested that they can make enquiries with the DVL A but they refuse and tell us to complete what turns out to be a non existent form VQ7. They say we need to give them the ownership history of the car which as far as we can tell we are unable to obtain.
we reported to Action Fraud but because there was no loss to my husband they were not prepared to do anything.
Has anyone else encountered this problem or have any suggestions of how to resolve this?
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Comments
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Onus is surely on the insurers to prove that your husband took out the insurance in the first place? They can threaten court all they like, I wouldn't have thought it likely they'd pursue it unless they were sure of winning.2
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One Call are insisting that he prove that he did not own the Mercedes which was insured and despite two long online ‘chats’ and finally one telephone call they refuse to back down. They are demanding payment or proof, and threatening court enforcement action.
they are bluffing on that point. You cannot prove something that does not exist.
You need to make a formal complaint and refer it to the FOS if necessary.
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.3 -
RosJess said:One Call are insisting that he prove that he did not own the Mercedes
They say we need to give them the ownership history of the car which as far as we can tell we are unable to obtain.
DVLA will not confirm vehicle data to an individual. I think they will to an insurance company.1 -
Grumpy_chap said:RosJess said:One Call are insisting that he prove that he did not own the Mercedes
They say we need to give them the ownership history of the car which as far as we can tell we are unable to obtain.
DVLA will not confirm vehicle data to an individual. I think they will to an insurance company.0 -
dunstonh said:One Call are insisting that he prove that he did not own the Mercedes which was insured and despite two long online ‘chats’ and finally one telephone call they refuse to back down. They are demanding payment or proof, and threatening court enforcement action.
they are bluffing on that point. You cannot prove something that does not exist.
You need to make a formal complaint and refer it to the FOS if necessary.
All matter is merely energy condensed to a slow vibration, we are all one consciousness experiencing itself subjectively, there is no such thing as death, life is only a dream, and we are the imagination of ourselves.2 -
As only "customers" can complain to the FOS, is there a danger that the act of making a complaint to the FOS could be regarded as an admission that the OP is OneCall's customer (or conversely, could the FOS refuse to handle a complaint from someone who is adamant they are NOT an insurer's customer)?0
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jimbo6977 said:As only "customers" can complain to the FOS, is there a danger that the act of making a complaint to the FOS could be regarded as an admission that the OP is OneCall's customer (or conversely, could the FOS refuse to handle a complaint from someone who is adamant they are NOT an insurer's customer)?
The FOS will look at cases of identity theft even though the victim technically isnt a customer. For example Decision Reference DRN7173348 (financial-ombudsman.org.uk) is a debt run up in the complainers name for an account they claimed never to have held. The FOS agreed it was ID fraud4 -
I would write to OneCall and explain you have never had a policy with them and so have no obligation to provide them with any information. State that you will only respond again if they first prove you had a policy, and state that if they instigate any legal action you will defend it on the basis you have never been their policyholder.
(If they do try to prove you had a policy you should be able to spot fake information which you can then rebut. I would be particularly interested in seeing how they were paid.)
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naedanger said:I would write to OneCall and explain you have never had a policy with them and so have no obligation to provide them with any information. State that you will only respond again if they first prove you had a policy, and state that if they instigate any legal action you will defend it on the basis you have never been their policyholder.
(If they do try to prove you had a policy you should be able to spot fake information which you can then rebut. I would be particularly interested in seeing how they were paid.)
saying his policy had been cancelled because he had not paid the premium
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The OP should stop talking to OneCall
on the telephone.
Do everything in writing.
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