Identity theft advice - what now? 6 February at 8:45PM in Credit file & ratings 6 replies 222 views

Kai_63

I've checked my credit report and there are a number of soft searches for insurance (presumably home insurance but could be other types with Admiral, Hastings and others) issued to my old home address (I couldn't redirect mail as it was a block of flats but I thought I'd changed everything over).

I contacted Hastings and they said to contact ActionFraud as Hastings can't do anything but not sure this is quite right? Should I contact the various credit report providers and can I put a password on my account? I already have one on my account but guess it's only for lenders, not insurance??

Any advice much appreciated.

mcpitman

I bet you have signed up for one of the money saving websites and about this time annually have searched for insurance of some form.

Soft searches matter not.

What is the actual concern here as you appear apprehensive?

Kai_63

Thank you. Do you mean I signed up in a previous year and it triggers something regularly?

No I haven't as it hasn't shown before.

I had a previous issue with credit card application fraud at the same address when I was living there (it was a block of flats and sometimed the postie left post out so they might have seen my details that way). I got them cancelled and added CIFAS protective registration (which I thought stopped this kind of thing).

There's about 10 different insurance companies listed and I suspect someone is trying to take out insurance in my name at the old address so they can make false claims for money.

MorningcoffeeIV

I suspect they're not.  Far too complex a way to commit fraud when they could take the far more popular routes.

It'll be the annual soft searches. 

Kai_63

Thank you. It's just very strange. I did have a CCJ that I've just successfully disputed for a parking ticket. They'd been using my same old address for correspondence. Perhaps they were trying to get new details for me via insurance companies?! 

etienneg

Kai_63 said:

Thank you. It's just very strange. I did have a CCJ that I've just successfully disputed for a parking ticket. They'd been using my same old address for correspondence. Perhaps they were trying to get new details for me via insurance companies?! 

A court summons for parking will always use the address for the registered keeper of the vehicle from DVLA. Have you updated your address at DVLA since you moved? If not, do so now - it's a criminal offence not to inform DVLA of any change of address. (This applies, separately, to your driving licence record and your vehicle record(s), so both need to be updated.) I don't know if this is the case for you, but far fewer people would get CCJs if they kept their address recordes up to date.

Kai_63

etienneg said:

Kai_63 said:

Thank you. It's just very strange. I did have a CCJ that I've just successfully disputed for a parking ticket. They'd been using my same old address for correspondence. Perhaps they were trying to get new details for me via insurance companies?! 

A court summons for parking will always use the address for the registered keeper of the vehicle from DVLA. Have you updated your address at DVLA since you moved? If not, do so now - it's a criminal offence not to inform DVLA of any change of address. (This applies, separately, to your driving licence record and your vehicle record(s), so both need to be updated.) I don't know if this is the case for you, but far fewer people would get CCJs if they kept their address recordes up to date.

Thank you. DVLA had correct address for both V5C and licence, the solicitors (Gladstones) used my old address, which was part of the reason it got to CCJ stage!