Fake Fedex Account Set Up Using My Personal Info., Now Being Threatened With Debt Collectors

powerful_Rogue

MalMonroe said:

They cannot take a case to any court in the land without proof that you are one of their bona fide customers.

As usual, more wrong with this post then there is right, however just to correct you on this - Anyone can take anyone to court for anything. Doesn't mean they will win though.

HillStreetBlues

1854_1 said:

As mentioned earlier I did register for Action Fraud when this started but I couldn't see where to complete a report as I'd not actually  suffered any financial loss at the time and ended up going round in circles trying to file a report.

Wouldn't be the "debt" be classed as a loss?

Alderbank

HillStreetBlues said:

1854_1 said:

As mentioned earlier I did register for Action Fraud when this started but I couldn't see where to complete a report as I'd not actually  suffered any financial loss at the time and ended up going round in circles trying to file a report.

Wouldn't be the "debt" be classed as a loss?

What debt?
OP said, 'out of the blue I receive a letter through the post...requesting payment for a significant sum ( £ 100+ )'

A request for payment is not a debt.

HillStreetBlues

Alderbank said:

HillStreetBlues said:

1854_1 said:

As mentioned earlier I did register for Action Fraud when this started but I couldn't see where to complete a report as I'd not actually  suffered any financial loss at the time and ended up going round in circles trying to file a report.

Wouldn't be the "debt" be classed as a loss?

What debt?
OP said, 'out of the blue I receive a letter through the post...requesting payment for a significant sum ( £ 100+ )'

A request for payment is not a debt.

Depends on how you look at it, clearly Fedex thinks it's a debt.

born_again

MalMonroe said:

If I were you, I'd want to know from the credit card company exactly how the fraudster got hold of the cancelled credit card number. And how was that credit card used to defraud FedEx, when it was supposed to be cancelled? If your bank say they refused the unauthorised transaction, then it's not clear why or how FedEx actually went ahead with whatever transaction they say you now owe them for. When the fraudster used the credit card number for a purchase, it should have been declined and that should have been the end of the matter. But the credit card company should have still told you. 

Card company will not tell you how fraudster got hold of the details. In many cases it is simply not possible.
Only in large cases such as the BA hack is it possible (even then they do not have to) as they get a list from the company concerned on compromised details.
Other than that it could be any retailer the card was used at.

The cancelled card was not used. In fact FedEx transaction was declined. Or OP would not be facing the situation they are now.

Alderbank

Alderbank said:

» show previous quotes

What debt?
OP said, 'out of the blue I receive a letter through the post...requesting payment for a significant sum ( £ 100+ )'

A request for payment is not a debt.

HillStreetBlues said:
Depends on how you look at it, clearly Fedex thinks it's a debt.

I could send you a letter requesting payment of £100. That doesn't generate a debt.
If we had a contract where I had supplied you with goods or services but you had had not given me the agreed consideration, that would be a debt. There needs to be a contract.

The OP says they had no contract with Fedex.

HillStreetBlues

Alderbank said:

I could send you a letter requesting payment of £100. That doesn't generate a debt.
If we had a contract where I had supplied you with goods or services but you had had not given me the agreed consideration, that would be a debt. There needs to be a contract.

The OP says they had no contract with Fedex.

I don't disagree it's not the Op's debt.  that's why I used "debt"
But the issue the OP has  that as it looks like it's ID theft,  unless  the OP fights it the OP will might end up with the debt being wrongly issued to them.
As though it's not the OP debt, it will look like it is.

1854_1

HillStreetBlues said:

Alderbank said:

I could send you a letter requesting payment of £100. That doesn't generate a debt.
If we had a contract where I had supplied you with goods or services but you had had not given me the agreed consideration, that would be a debt. There needs to be a contract.

The OP says they had no contract with Fedex.

I don't disagree it's not the Op's debt.  that's why I used "debt"
But the issue the OP has  that as it looks like it's ID theft,  unless  the OP fights it the OP will might end up with the debt being wrongly issued to them.
As though it's not the OP debt, it will look like it is.

I will of course be fighting this and won't be rolling over for Fedex , or anyone else for that matter .

I'd like to thank those that have contributed thus far , some pointers are obviously more useful than others and what I'll do is add to this topic as events occur in the hope that anyone else facing a similar problem with Fedex or anyone else can defend themselves.

I've now got in excess of 20 hours invested in trying to deal with this and perhaps I can avoid others having to devote similar time or suffer similar stress in getting their own cases resolved.

The story thus far .

Action Fraud - although it's reported and I have a case number, as I suspected because I haven't suffered a loss Action Fraud won't record it as a crime so it's recorded for information / intelligence only at the minute.  It's probably still worth doing as unless people report it there is no record of how many people are suffering similar.

Financial Ombudsman - which was a link given early on , not sure on this as although it involved my cancelled credit card I didn't suffer a loss , given that I'm being potentially threatened with debt collection agencies they may get involved I don't know, but I filed a request for help anyway and still waiting for them to come back which they may or may not do.

I'll add to this as and when I hear more.

ThumbRemote

Regarding the vulnerable person at home and your worry over debt collectors calling, have you considered getting a Ring doorbell (or alternative)? This would mean that you knew as soon as someone came to your door, and would give you a bit of peace of mind. 

born_again

HillStreetBlues said:

Alderbank said:

I could send you a letter requesting payment of £100. That doesn't generate a debt.
If we had a contract where I had supplied you with goods or services but you had had not given me the agreed consideration, that would be a debt. There needs to be a contract.

The OP says they had no contract with Fedex.

I don't disagree it's not the Op's debt.  that's why I used "debt"
But the issue the OP has  that as it looks like it's ID theft,  unless  the OP fights it the OP will might end up with the debt being wrongly issued to them.
As though it's not the OP debt, it will look like it is.

If it is just using OP's card details then it is not ID theft. The issue is just how did FedEx get the OP details. While they are sometimes checked on payment. 
So might be worthwhile trying to find out where item was sent from. As may help OP case.

Really need Op to confirm is their are any debits to FedEx on their account. If not, then as FedEx will have had a decline message, It is odd as to why this has got this far. As they should not have picked up item.
Even if card was used to pay a debt, again a decline would still be in persons name & not OP's.