Credit Fraud

cjgardens said:
But as op said shes not married and its not her name. Its fraud which ever way you try to play it down.

It like saying my my miss's opening up an account with my last name just because were getting married next year. You can't do that.

Although she didn't do it to hurt anyone and just to make life easier is back fired.

What you going to tell this firm that are asking for the money?


There going to contact the police
Click to expand...

I'd agree it was fraud if the married name has been used by the OP's mum to open a credit account, but it hasn't according to the OP. He states that as far as his mum was aware the married name was only used for correspondence from the school. This name has, according to the OP, been stolen and used to fraudulently open a credit account.

The OP states that the only financial doings his mum has currently is done ONLY in her legal name.

As to what to tell the company, well I'd start by saying I wasn't aware that the account had been open, and that the name used isn't legally my name and ask them to investigate and establish if possible who opened the account, and how they were able to do so with an identity which should not have stood up to an credit check.

Edit - see above for OP clarification
 
Last edited:
phonemonkey said:
From what I understand, the OP is saying that his mums identity has been stolen and used to open a credit account as some point last year.

It has taken so long for the OP and his mum to become aware of the fraud, as the fraudulent account is associated with his mums "married" name which is currently only used at his little sisters school and no where else as the OP's mum and partner are not yet married.

If this is the case, I don't see that his mum has committed a crime, and I suspect that contacting the police and the original credit companies fraud department. I would expect them with hold off on trying to get money from your mum until it is established whether she owes the money or was a victim of fraud.
Click to expand...

Thanks dude, that's literally the situation. Thought I'd made it clear, but obviously from my previous post I set it up for confusion from the off :)

jaf2212 said:
If she did not open the account then she needs to do a CCA Request to both the credit company and the collection company. If you google it, there are loads of templates online which set out how to do this and if you should then recieve a copy of the signed (if done in person) or digitally signed ( if done online) credit agreement. Once you have this you should be able to tell who open the card
Click to expand...

I see, cheers for the info mate. I'll get on that as well, would be interesting to know precisely where this agreement was made and what exactly was purchased.
 
No. The OP has stated that all his mums financial dealings are in her legal name.

The OP's mum wanted to be known as the same surname as her daughter for the purposes of correspondence from the school, but this is the only circumstance the name (which was stolen and used in the fraud) has been used by the OP's mum
 
Ok so got the wrong end of the stick i apologise.

But the op was a bit misleading.

So shes never made an account and only told the school that was her name?

Is your sisters dad your step dad?

I would not worries. Your mum just needs to contact them

they can't send debt collectors without taking your mum to court so they can't take anything no matter how many threats they send
 
J-FRO said:
I see, cheers for the info mate. I'll get on that as well, would be interesting to know precisely where this agreement was made and what exactly was purchased.
Click to expand...

The CCA request with only produce the credit agreement if there is one (which there should be). If you want to find out more abbout the account then you will need to do a subject access request which will cost you £10.

Check out the ICO site for more info on this

When you do the CCA or SAR either pay for a Postal order or get a friend to give you a check and always print you name on the letters never sign them
 
Cheers again jaf2212, really helpful info guys.

I've read on a template website as well to be careful with the signature on a CCA request. This one particularly, seems mad that some of these companies will stoop so low to do what seems to be just defrauding innocent people just to make sure they don't lose out. Makes you wonder how comprehensive their credit check procedures are to begin with as well.
 
You must log in or register to reply here.
Back
Top Bottom