Father Received Letter from Council Stating Someone has Joined his Household.

housebuyer143

Newcad said:

I have seen similar when a stranger attempts to use your adress to fraudulently insure their car.

It's a well known insurance scam, they live in an area where car insurance is high, you don't.
Usually it's big city car owners with a high value vehicle and you have a rural address.

Of course if they do manage to get such a policy then their car is not properly insured, and when they are caught it can be seized and scrapped

The insurance companies are well aware and clamp down on it.
In my last flat I twice had letters from different insurance companies about 'my' car insurance policy application, different high-value vehicles in each case.
I can't have a licence for medical reasons and have never even owned a car, so the attempted scammers were on a loser straight away.

However if someone does manage to pull the scam off then they can later show up on various records as living at your address.

You have told the council that he doesn't live there, it's now up to the council to prove that he does if they believe otherwise.

The nonsense about you providing his income/NI number, or another address for him is exactly that - nonesense.

.

Had this recently and I contacted the insurance company to tell them someone is fraudulently using my address to be told... "You need to contact the policy holder and get them to update it"... Then, "we can't make changes unless the policyholder gets in touch". 
I mean, what seriously stops someone using your address because there seems to be little you can do about it. 

born_again

housebuyer143 said:

Newcad said:

I have seen similar when a stranger attempts to use your adress to fraudulently insure their car.

It's a well known insurance scam, they live in an area where car insurance is high, you don't.
Usually it's big city car owners with a high value vehicle and you have a rural address.

Of course if they do manage to get such a policy then their car is not properly insured, and when they are caught it can be seized and scrapped

The insurance companies are well aware and clamp down on it.
In my last flat I twice had letters from different insurance companies about 'my' car insurance policy application, different high-value vehicles in each case.
I can't have a licence for medical reasons and have never even owned a car, so the attempted scammers were on a loser straight away.

However if someone does manage to pull the scam off then they can later show up on various records as living at your address.

You have told the council that he doesn't live there, it's now up to the council to prove that he does if they believe otherwise.

The nonsense about you providing his income/NI number, or another address for him is exactly that - nonesense.

.

Had this recently and I contacted the insurance company to tell them someone is fraudulently using my address to be told... "You need to contact the policy holder and get them to update it"... Then, "we can't make changes unless the policyholder gets in touch". 
I mean, what seriously stops someone using your address because there seems to be little you can do about it. 

Think about it. If any 3rd party rang up about something & companies acted on that, the fun you could have... 

I get your point, but look at it from their side.

housebuyer143

born_again said:

housebuyer143 said:

Newcad said:

I have seen similar when a stranger attempts to use your adress to fraudulently insure their car.

It's a well known insurance scam, they live in an area where car insurance is high, you don't.
Usually it's big city car owners with a high value vehicle and you have a rural address.

Of course if they do manage to get such a policy then their car is not properly insured, and when they are caught it can be seized and scrapped

The insurance companies are well aware and clamp down on it.
In my last flat I twice had letters from different insurance companies about 'my' car insurance policy application, different high-value vehicles in each case.
I can't have a licence for medical reasons and have never even owned a car, so the attempted scammers were on a loser straight away.

However if someone does manage to pull the scam off then they can later show up on various records as living at your address.

You have told the council that he doesn't live there, it's now up to the council to prove that he does if they believe otherwise.

The nonsense about you providing his income/NI number, or another address for him is exactly that - nonesense.

.

Had this recently and I contacted the insurance company to tell them someone is fraudulently using my address to be told... "You need to contact the policy holder and get them to update it"... Then, "we can't make changes unless the policyholder gets in touch". 
I mean, what seriously stops someone using your address because there seems to be little you can do about it. 

Think about it. If any 3rd party rang up about something & companies acted on that, the fun you could have... 

I get your point, but look at it from their side.

100% agree, but surely this should prompt them to at least contact the person? I wouldn't expect them to just remove my address and leave no contact address, But no, just ignore it completely seems the only solution. 
There should be some process for at least investigating it when it is brought to their attention. 

Newcad

housebuyer143 said:

Had this recently and I contacted the insurance company to tell them someone is fraudulently using my address to be told... "You need to contact the policy holder and get them to update it"... Then, "we can't make changes unless the policyholder gets in touch". 
I mean, what seriously stops someone using your address because there seems to be little you can do about it. 

housebuyer143 said:

There should be some process for at least investigating it when it is brought to their attention. 

You report it to Action Fraud as a 'Victim': https://www.actionfraud.police.uk/

WelshPaul

Newcad said:

housebuyer143 said:

Had this recently and I contacted the insurance company to tell them someone is fraudulently using my address to be told... "You need to contact the policy holder and get them to update it"... Then, "we can't make changes unless the policyholder gets in touch". 
I mean, what seriously stops someone using your address because there seems to be little you can do about it. 

housebuyer143 said:

There should be some process for at least investigating it when it is brought to their attention. 

You report it to Action Fraud as a 'Victim': https://www.actionfraud.police.uk/

 Nothing will come of it! If you’re lucky you will get a reference number.

Newcad

You don't expect to know if something comes of it or not.

It's a 'minor' fraud unless there's a ring involved - someone selling a service doing it for the car owners or providing them with addresses etc.

You report it so that it's recorded that you did so and you have a record in case of any future issues. CYA.