Fraud, please help, dont know where to post, what to do, very scared!!!

Devaney18

Credit Expert, recent credit report, fraud alert? Please! help me..
Okay, this evening my credit report finally came though on the internet, so i staretd to look around it, see how it works, read up, learn new things. Now this is where it gets slightly weird.

My dads name is all over it, now when i looked closely it was under linked addresses but at this point i had called my mum over to help, when we relised we decided to roll up, start from the top, and see whats gone on.

It seems to be that since i moved i have had activity on my report.

My dad, (or atleast im 99% certain) has applied for 4 catalogues:

Grattan
Express Gifts
Naturally Clothes
Heather Valley Woolens LTD

Now i know for a 100% fact i have not done this, and the thing that is scary is its all in my old address and starting on the 18th of sep i think.

My bank new my new address was my current one well before i moved, something like 30th aug and i moved not long after, up to 3 days lates i was in bradford so my old address shouldnt be involved in anything now.

So, ive spoken to my mum and remembered her saying once that my dad had done it to her on pervious occassions upon them splitting up, he has done it alot of times, getting turned down and my dads gf has also tried as my mum starts with T(first name)D(surname) and my dads gf is T(first name) and would be D if she married my dad so they are very similar.

Hes a complete **** anyway.. He wanted to disown me due to the fact that i didnt fix his computer before i moved and he strssed out, shouted and told me to pay him what i owe him (which is nothing) and never speak too him again! Appauling hes spoken to me since, due to me answering the phone not knowing, and ive been okay with him, not spoken or said much, he knows hes ****** up and he knows how, but this is pushing it a bit much i mean, to do this to your own son. If i find out he has debt in my name, im ringing the police for 1 and 2 ill get a solicitor and ban all communication with him.

So what can i do, i am so scared, has my dad got things in my name, he has potential to do so, he has done stuff like this in the past and i know he is a fraudster, his bills, sponging unecessarily from the government on benifits.

What can i do people, im 18 years old, have been since oct 7th and my dad has applied for them 4, one before i turned 18 and the other 3 after..

Now theres a company called CIFAS who monitor fraud and make sure this kind of thing dosnt happen, so ive been told to ring them for a start, ill contact the other 4 companies named above, but what else?

I dont really want to approach him because he will then know how i have done this and at the moment he dosnt know about me or my mother checking out ratings on this website. My mum told me to do it and she was bloody right and im so annoyed, but for now, for the next 6 months i can monitor anything he does, and in 3 - 6 months, when ive held a perm position in my job for that long and he tried again, ill get him.

But how do i now secretly find out other things that he has done, tried to do, etc..

Any help at all ill be extremely grateful of.

Sorry for crap spellings and punc, dont really care atm as you can probably understand.

Thanks,

James.

Clive_Woody

The best advice I can give would be to contact your dad (send him a letter recorded delivery - makes it look nice and official).

Tell him you are aware he has applied for catalogues and possibly credit in your name and that this is fraudulent criminal behaviour. Tell him you have contacted the companies and informed them you did not request these catalogues and you are no longer resident at that address. Advise him to close any accounts he opened in your name after paying them in full and if he does anything like this in future you will report his activities to the police.

Do not tell him how you found out what he has been doing.

bathgatebuyer

This is one of the more common types of fraud. A former neighbour of mine was ripped off by the people who moved into the flat after her - they rung up about £3K of bills in her name before they did a bunk.

I made an anonymous call to the companies I thought were being ripped off and within a few hours, the Police appeared at the door of the pair who were responsible. Eventually the male appeared in court on charges related to it.

Phone and write to the companies involved advising them that you saw their entries on the crecit report and you have never applied for, nor had the use of, any of their accounts. Send everything recorded and make it absolutely clear that this is nothing to do with you. They may do as the companies in my case did and contact the Police and let them investigate it. If you're happy to call the Police yourself, then do so. Your Dad has done a horrible thing and it's unbelievable and it could have ramifications for you financially unless he either takes responsibility or is called to account for this.