The ex, identity theft and fraud.

utajoker said:
Find out everything she bought and go get it, it's yours :p


Hope you sort it out quickly and she gets what's coming to her.
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Although probably legally correct that you could take what is yours, you would probably get arrested for burglary if you tried to enter their home and take it :mad:

Sounds like it will be a long drawn out proccess :(
 
Hitman_Leon said:
Left my ex after various things like being cheated on; 18k taken from my bank, her drug abuse, physical violence and other general garbage.

This morning was a snow day as I live in a little village so my plan was to kick back a little and maybe catch up on some work.

Postman made it though the snow and left me a gift; thought it was my usual credit card statement which I never open until I saw the back, the return address said Vanquis on it. Never had a card from them; opened the letter and and there was was my gift from the postman, £1300 bill for a card ive never had.

Phoned up their card fraud line and explained the situation, CS guy passed it to fraud team saying I will get a statement to sign to verify I believe im a victim of fraud.

Checked with Equifax and saw that the card had been set-up at my previous address after I moved out. Checked the rest of my credit information, to my surprise I also have credit accounts with two catalogues and a mobile phone contract about to go into default. All these have been acquired at my previous address where my ex still lives.

The mobile phone contract is an interesting one; it was set-up in November and must be for an expensive phone because for 3 months billing its at £204. I phoned O2 and explained, also asked wtf someone had done to get a contract for another phone at my previous address when I already have a contract with them that I have had for years and is at my current address. They know this; I have letters and statements from them to my current address but they still allowed a new contract to be initiated at my previous address.

So far ive called the police who are passing on to the fraud team; contacted both O2 (who have blocked the phone) and passed the details to their fraud team and contacted Vanquis. I cant get an answer from the catalogue companies but I expect I will be landed with big bills from them as my oldest son told me earlier in the week before this happened his mum keeps getting parcels from catalogues all the time. In the past two weeks she has had a PS3 and a Galaxy tab amongst other things come from a catalogue so even though I know she is broke it now makes sense.

Has anyone had to deal with anything like this; I have been reading around and it seems these things hardly ever go to court leaving the victim with the bill, im absolutely fuming and I don't know how this will turn out.
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WOW, ok practical advice time, firstly i will explain that i work for the leading credit reference agency in europe and there are a number of things you should do.

1- bare in mind that just because you have checked your credit report via equifax, this does not mean you have seen all the credit profile information available. Lenders have different contracts with different agencies.
To make sure you are not missing anything i'd advise you to register with 2 others CallCredit & Experian/CreditExpert. This will help you make sure that there isn't any other information out there you are unaware of.

2- Once you have registered with the above agencies (including Equifax) i'd advise you to contact each of them and request to put a NOC password on your credit profile (notice of correction password), this password would need providing for every credit application made in the future within your credit profile and help prevent any further damage.

3- CIFAS - go to there website, read up and register too, they will help you with advice and guidance in having this fraudulent activity stopped and resolved.

4- You have already contacted the police, i'd advise to contact your existing bank/companies that you have agreements with (if you have not already) also contact any companies you have seen on your credit reports and start the investigations process.

5- I know its hard, but be positive, The credit reference agencies are there to help you, they will have fraud depts and advisers who will be able to advise and assist you, Credit ref agancies can also help get your credit profile corrected if fraud is prooven.

Hope this helps, need any advice, just trust msg me

Richard
 
Sounds awful mate I hope you get it sorted. I have to ask though - does she look like one of those birds off Jeremy Kyle?
 
Hikari Kisugi said:
How did they know to send the bill to the new house, if it had been established at the old address?
Surely for her to get the card in the first place it must have been delivered to your old address, not your new one?
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I wouldn't be surprised if it was his ex, saying that the card holder didn't live at the address anymore to try and escape the bills. Doesn't take that much for a credit card company to find out where someone lives if they have other cards and so on.
 
eatcustard said:
Not quite correct, only a court can issue Bailiffs to take goods
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That's not correct either. Anyone can engage a bailiff for the recovery of debt once they have a CCJ in their favour. However, a court appointed Bailiff when collecting for criminal fines, tax or any money owed to the Crown have the right to force entry to a property whereas a regular bailiff has no such right.

As for the dispute part......that doesn't normally stop them.
 
You should be able to get this sorted and stop it happening again as you can prove that you have not lived their by other records. It is also good that you have reported it to the Police, as 02 will back off immediately.

As for the cards and catalogues, these may be a bit harder but you need to give them the crime reference number and Police officers details as soon as possible.

Ask 02, as you have an existing relationship with them, to add you to the CIFAS register as a victim of fraud, at your old address. This will stop any further credit being taken out in your name without further checks being made. This will make it harder for you to take out credit as further checks will have to be made every time, but it will not stop you getting it.

Best of luck, sounds awful.
 
Oxide™ said:
Not having a go but why don't people regularly check their credit history at least once a year
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Checking it isn't even necessary, some credit agencies offer an alerts type service for a minimum fee (1.99 per month from experian) this service will notify you of any changes within your credit profile via email or text, means that you are safe in the knowledge that if anything happens you will be notified. saves paying a much larger sum to view your full report to find that nothing has changed
 
knip said:
I have to ask, if she is this way, why does she still have custody of the children? Have you not thought about involving social services and them coming to live with you?

Not having a pop, just asking for the sake of the kids :)
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That's an ongoing process; when I was initially moving out various agencies including the police wanted me to have the kids. As I have muscular dystrophy I asked what support the social services would give me and they declined to help. I just wanted a little support until the youngest got older as it's difficult at certain times like early on a morning. When I get up I have to put on carbon fibre splints both legs because I cant walk without them as im paralysed below the knee both legs and this takes time as my hands are also partially paralysed. Even with the splints on I can't keep up with the youngest and I just wanted a little help until I could get everything organised so I had all eventualities covered.

The social services declined as they said their first priority was to get the ex back on track with the kids in the home with her. My oldest daughter moved out with me and now my oldest son is soon to follow as he is constantly in conflict with his mum over her habits and they way she treats him and his younger siblings. I do eventually want all of them with me regardless of what help the social services offer because since I left ive had many offers of help with the youngest from family and friends.

Ðudeth said:
WOW, ok practical advice time, firstly i will explain that i work for the leading credit reference agency in europe and there are a number of things you should do.

1- bare in mind that just because you have checked your credit report via equifax, this does not mean you have seen all the credit profile information available. Lenders have different contracts with different agencies.
To make sure you are not missing anything i'd advise you to register with 2 others CallCredit & Experian/CreditExpert. This will help you make sure that there isn't any other information out there you are unaware of.

2- Once you have registered with the above agencies (including Equifax) i'd advise you to contact each of them and request to put a NOC password on your credit profile (notice of correction password), this password would need providing for every credit application made in the future within your credit profile and help prevent any further damage.

3- CIFAS - go to there website, read up and register too, they will help you with advice and guidance in having this fraudulent activity stopped and resolved.

4- You have already contacted the police, i'd advise to contact your existing bank/companies that you have agreements with (if you have not already) also contact any companies you have seen on your credit reports and start the investigations process.

5- I know its hard, but be positive, The credit reference agencies are there to help you, they will have fraud depts and advisers who will be able to advise and assist you, Credit ref agancies can also help get your credit profile corrected if fraud is prooven.

Hope this helps, need any advice, just trust msg me

Richard
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Thanks for that, if I have any questions I drop you a message.

PapaLazaru said:
You should be able to get this sorted and stop it happening again as you can prove that you have not lived their by other records. It is also good that you have reported it to the Police, as 02 will back off immediately.

As for the cards and catalogues, these may be a bit harder but you need to give them the crime reference number and Police officers details as soon as possible.

Ask 02, as you have an existing relationship with them, to add you to the CIFAS register as a victim of fraud, at your old address. This will stop any further credit being taken out in your name without further checks being made. This will make it harder for you to take out credit as further checks will have to be made every time, but it will not stop you getting it.

Best of luck, sounds awful.
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Thanks for that too, and thanks to everyone else for the various bits of advice.

An inspector (she is the head of the neighbourhood police team by all accounts) of all people called this morning to take a statement from me. She was obviously the right person for the job as she told me she has had this done to her in the past. She did go so far as to ask me if im available to look after my children if she locks up my ex so she seems to have quite a fire under her about this sort of thing. The same team have also dealt with thefts and shenanigans by my ex before. She dose have a history of stealing from me and violence toward me from when I lived with her, this may prove her undoing should this go to court.
 
Hitman_Leon said:
If this go's pear shaped any more than it has already the first debt collector that knocks on my door will wish they had never taken the job.
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I wish you the best of luck with all of the above, its never nice when children are involved in matters such as this. A good friend of mine had to fight his ex in court and she was using the children as an excuse and for leverage where ever she could.
 
One other thing to check on is if you have any fraud expenses insurance through your bank etc, this is not designed to recover the lost moneys through credit agreements, but does cover legal expenses.
 
Side note; is the fact that she has a substance abuse problem being taken into account by any civil agencies? Doesn't sound like she's a fit mother if she's pawning the children's toys to buy gear.

Wishing you all the best for a resolution with the fraud thing though, it's a horrid situation to be in. :(
 
estebanrey said:
[Snip]
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No; you see the thing is I really can box, trained in a pit gym from being young, growing up with muscular dystrophy attracts the bully type so I made sure they went away with suitably deflated ego's. Have to train like a man possessed to fight this muscular dystrophy I have so apart from the muscular dystrophy im probably fitter than a lot of people in my age range.

Anyway the point I was making is that my logic and reason combined with sarcasm and the fact that I am not going to be bullied by anyone would leave a debt collector wishing they did not have the misfortune to call on me.
 
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