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

Frugaldom

rls1973 wrote: »

what do you think

i've found out someone's taken a loan out in my name (its one of those companies that dont do a credit check, but charge loads of interest, give you the money today etc)

Bit worrying if you have been linked to a debt that isn't yours. If you don't mind my asking, how did you find out about it?

Kay_Peel

BUSTER1506 wrote: »

ISN'T HAVING YOUR IDENTITY STOLEN A CRIME THEN??

Payday.... again yesterday and they confirmed that they know who the money was paid to....

No, it's not YET a crime to steal an identity. It is a crime to assume a false identity with intent to commit a criminal act.

Payday would be the 'victim' of any crime, not you. Since they know who they've lent money to and their address/details etc, they do not appear to have been defrauded out of their money. You can bet your last pound that if they had been defrauded, then they would be contacting the police and you would be a witness in the enquiry. Not a victim. A witness.

So far, you have been inconvenienced, dismayed and worried by a series of threatening demands to pay a debt - but you haven't had any money stolen from your bank account and haven't suffered any physical loss.

There are moves afoot to change the law, so that it becomes a crime to steal someone's identity, but it's not a crime yet. So, this is not a case of keeping crime figures down. You have not been the victim of a crime.

Strange but true. :rolleyes:

BUSTER1506

I have had the police back on to me which is surprising as yet again I am told I am not the victim. Although they did take all the details AGAIN and have now gone away to decide where it fits in as a crime.
I can half understand it as I am not out of pocket but surely the police can make these company's give them the details of who ever is doing this. I am sure if it has been done to me then they will carry on doing it if they are not prosecuted. We hear so much about identity fraud but isn't this letting them off the hook, I was told that the police took ID fraud seriously but obviously not Oh well I will just have to be extra dilligent in future.

Kay_Peel

It isn't ID fraud. They haven't stolen your identity. They are just using your name - which is a different matter and not a crime.

If it was, the company would be the victim, not you. The company would have to involve the police. If the company choose not to involve the police, then the police cannot start an enquiry.

I can say it more slowly, if you want!

Mercian_2

Hello all. Had to reply giving my experience. Briefly my now ex partner took out a loan in my name with Provident (while I was away at my mother's funeral...nice) AND one in her own name. Suggests to me that both she and the agent knew what exactly what they were doing. When I found out I reported it to Staffordshire Police. Their response...nothing. Quote 'I hadnt lost anything' unquote so what was I whinging about??? . Not even a crime number. They left it to Provident to take court action (ha ha). What other loans are out there with my name on them? For the record, the PC wouldnt even talk to her to suggest that this kind of thing wasn't really on. Sorry to the police officers who replied but in my experience the police are utterly useless. I've complained that my ex is driving illegally, obtained insurance illegally (no licence), lied to them in a statement (which I could prove...not remotely interested) and even threw me out of my own home after claiming I'd hit her (the reverse was actually the case....she even admiited assaulting me to the police) so she could move her new boyfriend in, losing me 5 months of my baby son's life... Sorry you lads and lasses in blue. But I hate you all. I'm continually on the brink of bankruptcy bringing up a child completely on my own (he was dumped on my doorstep after they tired of playing family...she dumped another of her children on that childs dad at the same time) and with a stressful job in the ambulance service.
I grew up in N.Ireland respecting the police hugely. From what I've seen none of you would last a minute there.
Bitter? just a bit.....

Mercian_2

Hello all. Had to reply giving my experience. Briefly my now ex partner took out a loan in my name with Provident (while I was away at my mother's funeral...nice) AND one in her own name. Suggests to me that both she and the agent knew what exactly what they were doing. When I found out I reported it to Staffordshire Police. Their response...nothing. Quote 'I hadnt lost anything' unquote so what was I whinging about??? . Not even a crime number. They left it to Provident to take court action (ha ha). What other loans are out there with my name on them? For the record, the PC wouldnt even talk to her to suggest that this kind of thing wasn't really on. Sorry to the police officers who replied but in my experience the police are utterly useless. I've complained that my ex is driving illegally, obtained insurance illegally (no licence), lied to them in a statement (which I could prove...not remotely interested) and even threw me out of my own home after claiming I'd hit her (the reverse was actually the case....she even admiited assaulting me to the police) so she could move her new boyfriend in, losing me 5 months of my baby son's life... Sorry you lads and lasses in blue. But I hate you all. I'm continually on the brink of bankruptcy bringing up a child completely on my own (he was dumped on my doorstep after they tired of playing family...she dumped another of her children on that childs dad at the same time) and with a stressful job in the ambulance service.
I grew up in N.Ireland respecting the police hugely. From what I've seen none of you would last a minute there.
Bitter? just a bit.....

James

It's so easy to deter fraudsters taking out loans in your name it's untrue.

If you use the system described below, and IF fraud occurs in your name, the you can furnish the Police with forensic evidence, OR, hold the lender responsible for the loss.

Check out this website (click here).

There have been numerous cases of application fraud in these forums and I await a reply from Martin on the above system. A nice little Money Saver!

Snooze

James wrote: »

It's so easy to deter fraudsters taking out loans in your name it's untrue.

If you use the system described below, and IF fraud occurs in your name, the you can furnish the Police with forensic evidence, OR, hold the lender responsible for the loss.

Check out this website (click here).

There have been numerous cases of application fraud in these forums and I await a reply from Martin on the above system. A nice little Money Saver!

This will never happen imho.

The idea might seem (quote/unquote) "simple and low-tech" but the reality is very different. The costs involved just for the thumb recognition equipment alone will be prohibitive.

You'll never beat the fraudsters, period. They said that Chip & Pin would solve all the problems but look at it now - you can buy modifiied Chip & Pin pads off the net for £2000 if you know where to look. Plug it into the terminal at the local petrol station you work at and you're laughing.

Rob

stokechick16

I dont have advice etc so sorry. But i do hope you get this sorted. Fraudsters need to be STOPPED. x

stokechick16

I dont have advice etc so sorry. But i do hope you get this sorted. Fraudsters need to be STOPPED. x