Massive scale fraud and ID theft.

elsien

GloriaShaw85 said:

Ms_Chocaholic said:

How about getting yourself an advocate?

Hi Ms Chocaholic. What is that, and how could I get one?

It depends on where you live. Basic explanation here but most advocacy is for statutory advocacy in specific situations. 
What is Advocacy? - Advocacy Focus
You need to contact your local social services and ask what advocacy provision there in for your area for general advocacy.  Or google your area and advocacy and see what comes up. But if you don't meet the criteria for the statutory advocacy roles then be aware that provision can be limited to non-existent. 
If you have a disability have you ever had a Care Act assessment? 

GloriaShaw85

Teapot55 said:

Were you on here last year? I seem to remember you, @GloriaShaw85. There’s a lot of knowledgeable people on here, so answer their questions as best you can so they can get the right advice to you. 

Definitely share it with your husband - unless you think it would make him really anxious - in which case, have you got any friends you could trust? Would you qualify for a support worker? The local council should be able to advise you on that. 

Hi Teapot, yes I came a few months ago. I thought it best to just attend to my baby and family and not stir anything, and was hoping maybe my mother made a mistake and was going to rectify things, but seems she really despises me. 

My birth family have already made it so difficult on my husband. When I was having an emergency c section, they turned up to the hospital whilst he was happily waiting hours at the hospital to be with us, only to make him miss the visiting hours so they could talk to him about mistakes I made in the past and then to put false doubts in his mind. It worked, because post partam, he confronted me, despite my truthfully denying, yet those things said by my family  and more always come out when I do anything that  upsets my husband. 

I married him whilst having a stable job, excellent credit, a financed car, coming across as independent, from a loving home, and now after marrying, it has all gone, which makes me look like a fraud and sham, because my family got influenced by his generosity and don’t want me to “benefit” if they can’t benefit, as now I’m gone, that’s less money coming in their home/pot, and because I used to do ALL the paperwork eg renewing car insurance, paying or appealing PCN’s, buying tickets, researching best deals on car finance, car offers, food offers, grocery delivery eg. . And my husband  didn’t marry me for those things, but it’s coming across as if I portrayed myself as something I’m not, and that’s because my birth family have and continue to ruin and complicate things. 

It isn’t fair for him to be subjected to this and give him more reason to potentially (further) dislike me

GloriaShaw85

eskbanker said:

noh said:

Report benefit fraud here.
https://www.gov.uk/report-benefit-fraud

While that's undoubtedly a route that can be pursued, I'd suggest that it should be fairly low down OP's list of priorities, as she clearly needs to concentrate on regaining control of her own accounts, sorting out the fraudulent debts, etc, rather than getting sidetracked onto less important matters that don't concern her directly....

Last year I actually did report her to the council. Nothing really happened and council wrote back saying they don’t handle benefit fraud and to report elsewhere. Being disabled, pregnant, with a husband, I had already spent so much time preparing a long evidence ‘case’ to the council, I didn’t catch time to follow up by reporting elsewhere eg HMRC, because I wanted to also focus on my family, keeping oxytocin in me for my developing baby, and preparing for the birth etc. 

sleepyjones

Go to the police, they can advise you of how / where you need to report.
If you don't want to talk to the police yet, talk to someone at the the Citizens Advice ... https://www.citizensadvice.org.uk/
You can call them on 0345 404 0506

Abbafan1972

Concentrate on reporting the things she has taken in your name first, rather than the benefit fraud. 

GloriaShaw85

No way I can report online? Only chance I get to do anything on the phone is whilst nursing baby. If I leave them when they’re  asleep, they wake up crying. 

callum9999

GloriaShaw85 said:

No way I can report online? Only chance I get to do anything on the phone is whilst nursing baby. If I leave them when they’re  asleep, they wake up crying. 

Do you think you're (unconsciously?) trying to talk yourself out of doing this? There must surely be a moment during the day or night when you're not the only person with the babies (or does your husband not live with you?), but even if not, babies cry - it's not going to cause them any harm if they're crying while you're on the phone. 

If it's half as bad as you say it is then this is a big deal - you need to make time to sort it out.

Ergates

GloriaShaw85 said:

....and she has named me and my husband the landlord! ....

You *have* to tell your husband about all this - your mother has involved him in her schemes and he has to know about it.  It's not just a matter of supporting you, he's a victim of the fraud too.

IanManc

If you don't do something about this situation then it won't change. Both you and your husband are victims of crime and you need to report it to get some action taken and to help stop further crimes being committed against you.

You could contact your local Citizen's Advice Bureau for advice as to what support is available. They may be able to assist and support you during the reporting process, depending on what services are available in your area. Contacting your local council about disability advocacy has already been suggested to you in this thread as well.

The police have specialist officers to help people with disabilities, and to help victims of financial abuse. There is also a useful document about the criminal justice process and sources of help for disabled people here:

guide-to-support-for-disabled-victims-and-witnesses-of-crime.pdf (cps.gov.uk)

This applies to England and Wales, but the Crown Office in Scotland and the Public Prosecution Service in Northern Ireland have the same policies.

I think you will be relieved once you have reported the situation. It won't be over quickly, but by reporting all this you are starting the process of stopping the abuse you are suffering, and you will be supported all the way through.

sourcrates

It concerns me that this has been going on for over 2 years, and yet your just asking for advice now, I`m not sure if you are completely legit or not, as the scale of this beggars belief, and I would not have waited 2 minuets, never mind 2 years to start dealing with this.

Anyway, we have to take people at their word on these forums, so assuming this is a real cry for help, this should be your action plan.

I can fully understand the difficulty here, with it being your mother, but you do need a plan to stop this happening again, and also to deal with the current debts, the sooner such a plan is put in place, the better.

(1) You don`t need a solicitor/lawyer, you already know its a crime, you should report this to the police, not action fraud, the police, that is your first port of call now.

(2) Not having control of your bank accounts is absolutely crazy, and you cannot continue like that, you need to speak to someone in each banks fraud dept, as soon as possible, and explain what`s been going on, and get those accounts closed down ASAP.

(3) You then need to open a new bank account, that no one else can access, only you.

(4) To stop her taking out further credit in your name, you can apply for Protective Registration with Cifas.
By doing this, an alert is placed on your credit file with each of the credit reference agencies that would alert future lenders accessing your details.

(5) Next, any creditor that comes looking for money, you will need to write to them with a full, in depth explanation that this debt was accrued by your mother committing fraud. By informing the police, you will get a crime number, so quote that in all correspondence, only once you have done this are you safe from further collection activity.

You should carry out the above straight away in order to safeguard your sanity, if nothing else.

Only concern yourself with what is applicable to you, as this needs to be stopped and now.