are police interested in someone taking a loan out in my name?

123oleary

theres no need to have a go at the police, hes come on and made some constructive comments

rls1973

thanks for all the replies

i've been down to look at the electoral rolls, the names aren't remotely similar to mine

the other matter of teh loan, i've reported it to the police, at least i have an incident number to wave at any bailiffs who might arrive at a later date (bitter hollow laugh)

cheers mse rs

Ploddy

rls1973 wrote: »

the other matter of teh loan, i've reported it to the police, at least i have an incident number to wave at any bailiffs who might arrive at a later date (bitter hollow laugh)

Now bailiffs are someone I really don't like. If bailiffs attend your home and state they have permission to enter to seize goods tell them to go forth and multiply.

Bailiffs need police officers present when removing goods

123oleary wrote: »

theres no need to have a go at the police, hes come on and made some constructive comments

I have a special police caution for people like Proliant.
You have the right to remain un-educated.
Everything you say can and will be ignored.

HORSESARSE

Ok at the risk of abuse here goes!, As a police officer i can suggest that you report this offence. It will be looked at! If this is happening to you then to whom else are these individuals targetting?
If i were you i would keep a very close eye on several credit check agencies and dont rely on the main one specified. Put an entry on each stating that you are aware that you have become a victim of this crime. Ask that they alert you each time a company runs a credit check on your details.
Police work on evidence, so take any paperwork with you when you report the matter. It is a minefield and it can be very difficult to get information from banks etc on occasions. Keep making regular enquiries with the officer dealing with your case. Dont forget yours will be one of between 15 to 20 or more active investigations that he / she will be investigating when not dealing with live jobs with prisoners waiting when they come on shift.
good luck.

Kay_Peel

Hold on, I think you've jumped the gun. Can I give you some advice.
(I'll leave you to guess what I do for a living. Evening all!)


1. It's not a crime to use someone's name.
I could get a loan calling myself Jane Smith or Madonna McQuire or Joanna Lumley if I wanted to.
However if I only get the loan because the company actually believe that I am Jane Smith, living at 21 The Avenue, Anytown and I produce a utility bill or my child benefit notice to prove it ..... then we're talking crime. I've taken on Jane Smith's full identity. The company are prepared to give Jane Smith a loan whereas if they'd known I was really Kay Peel from Chatsworth Estate in Manchester they'd have laughed in my face and booted me out the door.

My question to you would be: has this person stolen your identity or are they just using your name? Stolen identity =crime. Using someone's name= need further information.

2. The victim of the deception is not you. It's the loan company. The person making the loan has to be deceived.
You say that "its one of those companies that dont do a credit check, but charge loads of interest, give you the money today etc" That's interesting - they sound a bit fly - almost as if they are not too bothered about who the person is as long as they pay up. Maybe they weren't deceived. Maybe this is their normal way of doing business.

Have you asked them whether they have been defrauded? Have you spoken to them to see whether your identity has been stolen? If not, you better had.

If you have any suspicions that your identity has been stolen by this weasel inform your local force. But if the weasel is just using a name - and it happens to be your name - then that's not enough evidence of a crime.

On the question of the alleged deception on the loan company - that's for them to report to the police. They may not want to - for their own reasons.

Hope that helps to make things a bit clearer.

Kay

Ice_2

where I live there is me and 2 other people with the same name...all legal...and no...none of us are related...we just have the same name...found out at my local GP surgery when my GP asked me if we were all related...I had no idea until then that anyone alse had my name...although is it my name...just 3 people who will probably never meet christened with the same name...the oldest is in her 90's the youngest is in her teen's and I am in my 40's...that's not fraud...just weird...and all 3 of us have different addresses...:)

Ice_2

thought about this some what...just because a person wears a uniform doesn't mean there not human...police officers are always the but of the joke...and it just make's me damn mad...I am ex-uniform...on the sick injuried in the line of duty...and it just gets my back up when people say stuff...police officers put there lives on the line for you people every day without a wrong word...there are polite and helpful at all time's...they do a dangerous and courageous job...where would you be if there were no police officers...just think before you speak next time...police officers are not monsters...they are brothers and sisters...mothers and fathers...husbands and wives...people who have a problem with the police are usually people who have something to hide...they all deserve a medal for going out on the streets every day 24/7 365 days a year...there I have said my peace...:)

Debt_Free_Chick

PROLIANT wrote: »

Everytime I have been a victim of crime they have typicaly responded with "Sorry there is nothing much we can do" Quote "B*****ks, do your job, be proactive, get out of the car and spend less time in the chinese take away and get the b******ds that are running the country on crime!" Unquote.

Not all crimes can be solved. Often, there is simply not enough evidence to follow up on. On occasions, there is no evidence at all.

Consider a case of criminal damage. Someone runs a key along the side of your car. No-one witnesses this.

What should the Police do? Question everyone in the Country? :rotfl:

Consider a house break-in committed by someone who has never been caught before. Or a first time burglar. OK, they leave fingerprints ..... but the Police have no file to link them to.

BUSTER1506

I felt I had to respond to this thread as I only came on here to see if anyone had, had the same problem as me. Last week two letters turned up at my old house(we still own it so some mail still gets through ) from a company called Payday loans saying I had defaulted on a loan due for payment 29/2/08.
Firstly I had no idea what this was about.
Second had only found out a few weeks before that these companies even existed, when we started to be bombarded by Emails and Phone calls for an employee who had taken out these loans and defaulted on them?? This person had aqccess to a lot of financial info both company and personal so you can see what our immediate thought is. (she no longer works for us by the way)
I was told by PaydayUK to report it to the police and get a crime number which I did giving names etc, I was told i would be contacted the next day by the police fraud team. I rang Payday back and gave them the said number and again was told I would be contacted by payday fraud team WHO ALWAYS GO AFTER THE FRAUDSTERS YE!!!!
I waited a couple of days and when I heard nothing I rang both Payday and the police to be told by both of them they didn,t know who told me someone would contact me as as far as they are concerned the crime is against Payday not me!! ISN'T HAVING YOUR IDENTITY STOLEN A CRIME THEN??
When I can understand this on the one hand but what if this person does it
again with other companies,I have now looked on the internet and am appalled how many of them there are.
But it gets worse I spoke to Payday again yesterday and they confirmed that they know who the money was paid too AND confirmed that the names etc don't match!! They know who got the money because apparently it was a different name and address, WHY WOULD THEY GIVE A LOAN IN ONE NAME AND PAY IT IN TO A COMPLETELY DIFFERENT ACCOUNT NAME ETC,but the name given for the bank account for collecting the payments a HSBC account in my name, it said in the letter that the account didn't exist I used to have a HSBC account but closed it down about 2 years ago. The person at payday wouldn't tell me where the money was paid and to who although he did say they knew who it was 'data protection' etc,blah blah great so the fraudster is protected but I'm not! I did manage to get out of him that who ever it was lived near by I am convinced that the reason the police pass the buck like this is it keeps crime numbers down if not recorded as a crime against me just another statistic not added to the list which makes them look good all round, and I am left investigating this myself. Sorry for the rant but reading the responses just made me so mad no one seems interested I have worked extremely hard for years to keep my credit rating spot on even in hard times and can't believe the police are prepared to wash there hands of this when they could easily follow it up with information from payday surely they are allowed to get around this data protection rubbish?

kittycatsam

Hi, I used to work for a comany that provided digital TV similar to Sky but local to Hull. They didn't do credit checks as such, just a CCJ check. Anyway, you just had to fill in an agreement and provide ID.

Several times we had police officers coming to take away the contracts for finger printing etc when it was reported as fraud - usually after the account was sent to debt collection and the unsuspecting victim was traced and received debt collection letters regarding their old address etc. We never found out the outcomes though.

However I know that since then I heard that there have been changes in the law limiting the polices powers as it's now the creditor who needs to report the crime and have the police act on their behalf not the individuals. Like when banks have to report the fraudualent transactions on accounts if they wish to do so.