Credit Expert, recent credit report, fraud alert? Please! help me..

James07

James07

James07

Soldato
Joined
6 Dec 2006
Posts
5,914
Location
West Yorkshire
Credit Expert, recent credit report, fraud alert? Please! Help me...
Okay, this evening my credit report finally came though on the internet, so I started to look around it, see how it works, read up, and 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 realised we decided to roll up, start from the top, and see what’s gone on.

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

My dad (or at least im 99% certain) has applied for 4 catalogues:

Grattan
Express Gifts
Naturally Clothes
Heather Valley Woollens 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 later I was in Bradford so my old address shouldn’t 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 occasions upon them splitting up, he has done it allot 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.

He’s a complete **** anyway... He wanted to disown me due to the fact that I didn’t fix his computer before I moved and he stressed out, shouted and told me to pay him what I owe him (which is nothing) and never speak too him again! Appalling, he’s 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 has ****** 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 unnecessarily from the government on benefits.

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 there’s a company called CIFAS who monitor fraud and make sure this kind of thing doesn’t happen, so ive been told to ring them for a start, ill contact the other 4 companies named above, but what else?

I don’t really want to approach him because he will then know how I have done this and at the moment he doesn’t 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 don’t really care atm as you can probably understand.

Thanks,

James.

EDIT: Posted in the wrong forum please can you move to GD, sorry.
 
Last edited:
Talk to them and explain everything about your new address and the date you were there from. Also say you have not applied for any of these and report it to them as it is your estranged dad causing you trouble, you shouldn't have black marks on your credit rating through his actions. If he finds out tough tell him if it happens again you be taking legal advice and letting the solicitors deal with it from then on.

SCM
 
SCM said:
Snip
Click to expand...

Ive decided and been advised to speak to the police, i have to keep him all cheery atm as he has all my gear from when i moved in his house, me and DanMc07 are arranging to go pick it up unexpectedly sooner or later, sometime very very soon and then im going to sort it out with the police, im going to see them anyway see what they say about this and my gear in devon, get it all cleared up, this isnt on man.

EDIT: This thread needs to be moved please.
 
Last edited:
Thats good :) in my case due to my exwife towards the end paying only her cards and leaving no cash for me to pay mines i ended up with black marks on my credit rating. It will take me years to sort it out evil woman that she was.

SCM
 
Mate i feel for you, that's just not right. Not to worry though, it's something that can be rectified and it shouldn't affect you in the long run even if it's a pain in the butt at the mo. Chin up dude:)
 
I dont know if it will help but you can have yourself financially dis-assossiated with your father, i had to do this as we both had the same name
 
MeatLoaf said:
I dont know if it will help but you can have yourself financially dis-assossiated with your father, i had to do this as we both had the same name
Click to expand...

Yup I agree on that one. I also did a dis-association with my mum when I was living at home as the first letter of my christian name was the same. This was done solely for the purpose of not having each others credit reports buggered up. They also do more stringent checks when you apply for credit if this is done.
 
If you think someone (anyone) may be using your details to obtain credit one of the steps you can take is to ask for your name to be put on the list of people who are at risk of ID theft (I can't think of the proper name), it's basically a list that anyone offering credit is meant to check and if a name/address pops up they are meant to contact the person directly at a registered address (if memory serves).
It shouldn't affect your credit rating or anything, it just means that any attempts to gain credit using your details are put on hold until it's confirmed that it's legit, by yourself (as opposed to anyone being able to try and gain credit with just your name/address/dob).

The disassociation works well if it's accidental due to someone living at the same address as you with a similar name, but it won't do anything to stop deliberate fraud.

edit
it looks like it might need you to contact each of the 3 credit reference agencies and add a fraud alert to your file, I'm sure there is a list that all 3 can use as well though.
 
Messiah Khan said:
Im on it.
Click to expand...

Cheers dude,

Im thinking of going straight over the road to the police station after work but then i thought why not just ring this CIFAS first.. if thats the name i forget..

Im going to go home and ring all the companies involved and see what is happening and see what this fraud company reccommend, and then contact the police.
 
Last edited:
what ever you do dont ask him about it - ofcourse he is going to deny it all. get your stuff, then call the police because they wont dilly dally (what ever that means) about for you to go get them. but do it fast, the longer you know about it the worse it can get i.e he could start purchasing from the catalogue and simply not pay for them.

Get your stuff first then take it from there. and dont go easy on him. there are people in this world who consider a child as an oppertunity to profit. look at those doing the child benefit scams.
 
Evangelion said:
Dare I even ask?

:confused:
Click to expand...

Womens underwear man, i swear him doing that is bad enough, without knowing who he may be buying it for, my fat step mum... not at all pretty, not even in the slightest, absolutly disgusting.

Dirty *******.

stevenazari1 said:
Snip
Click to expand...

Aye man, i was going to go in and talk to them today, as my dad lives in Devon its a good 300 miles and my mate will want me to pay petrol so, i have to wait for that one.

Gonna be a few weeks yet but once ive got my stuff, ill get in touch with them.

I have all the invoices of my stuff so he cant even deny there mine. I was going to get advice on him not letting me have the stuff, could he do that? Theres around £400 worth of gear down there all mine. Paid for it all myself.

Cheers for the advice guys, id be appreciative of any more.

James.
 
Last edited:
You must log in or register to reply here.
Back
Top Bottom