Extra help, fraud, what next?

James07

James07

James07

Soldato
Joined
6 Dec 2006
Posts
5,914
Location
West Yorkshire
Okay, some of you may have read a previous thread of mine earlier in the week located here now ive just got off the phone to him where I told him the following information.

I had proof that something has been applied for in my name from that address once I had moved away, 4 catalogues with specific details so he knows what ive found.

I next told him that as I don’t live there I can only assume one thing and I don’t know what else to assume.

As he was squirming his way out, lien the whole way through I said to him simply the following:

"As you don’t know what’s going on, and I have the information in front of me I have no other option then to contact the CIFAS, the police and the 4 companies involved"

He then said he would ring me back...

...20 mins ago.

Now, I need help with 3 things please:

1) How do I become disassociated with him, i.e. address, financially, socially, any way I may be connected even blood if that’s even bloody possible!!

2) How do I put a fraud alert on my account, I read such a thing is possible that if anything is applied for im contacted in person by phone/email/address etc so I know what’s going on.

And

3) I want to find out if he has got things in my name without letting people know that it may be a case of fraud as to stop them contacting the police.

I want to find out any application that’s ever been made, information even been given to them etc...

I work at the Abbey and such a thing called a "Subject Access Request" exists so that any company that runs legally in the UK has to, by the Data Protection Act 1998 has to give you in full any information, any transaction, any single thing that’s ever happened with your name associated.

It’s a pretty fragile situation as my sister is 14 and for her sake I don’t want him getting into trouble, as he has been close to jail for this in the past apparently but escaped lucky without been prosecuted.

Please help.

Thanks.

James.
 
Hes just rung me back, hes so different now ive caught him..

Hes now claiming that its shown up on my report from 3rd party people..

He said he has applied for freebies like o2 sim cards or Joop in my name and sometimes they pass on 3rd parties sometimes, well, 4 times, in 3 months, all for credit, im sure.

It isnt even possible, it cant happen thay cant apply for credit in my name, a company wont do that, they will get owned if they do.

Hes full on lien down the phone but because of this i dont know what do to. I want to ring the Police, look what hes doing, hes is so frauderent, he has used my name, my dob and a fake dob i.e instead of 7/10/89 hes put 97..

My poor sister will come out the worst out of all this i know she will but what the hell do i do? Drop it and risk getting ******* black listed due to him ruin his own life/credit!:@ Or do i get this sorted, risk him going to prison and humiliating my sister and risk her even hating me..

This is a complete joke.
 
how do you know he wont attempt to do the same with your sister's details in 4 years? IMO go to the police now and try to put a stop to it.
 
Police and attorney....in your first post you were really angry...to be honest use that anger against him. Not in the wrong way mind, but use the anger to motivate you to get him in trouble with the law. My mother did almost the same thing to my sister and ruined her credit for years...it's a disgrace parents can do these things to their children.
 
Also contact the Credit reference agency 'Experien' and inform them of what is going on. You also need a full credit report on yourself so that you can see just what he has applied for and how many times.

Experien will be able to disassociate you from this person in every way so that your credit file is not adversely damaged. This will mean that every time you apply for credit of any form and your file is checked they will be able to see that any debts or fraud incurred by this person has nothing to do with you.

You can send £2 off and wait 7 days for a report but much better to join on-line, [First month is free] then a monthly fee applies if you decide to stay with them but its well worth doing so because you can keep a 24/7 watch on your credit file on-line and discuss any problems over the phone if its required whereas just sending the £2 fee is a one off report. Here is the site to apply and you will be able to read your complete credit history within minutes. http://www.experian.co.uk/ Also very handy to know how your rating stands as it can and does change by a few points each month for various reasons.

Knowing just what your rating is enables you to target the best company when your thinking of applying for a loan or credit card as each one has different scoring systems and whereas one company may turn you down because your a point or two below what they require, another company would accept you because you pass their lending criteria.
 
dude he will do it over and over again. if he gave a damn he would have thought twice but he'd rather lie to you.

its a hard thing to do man to have to report your own father to the police I cant imagine the hardship that is going to put you through, but if you dont do anything about it - your going to be down a certain creek without a paddle and if you think he is going to help you out of it.... you got no chance.

do it as fast as possible dude now he knows he is going to take his own measures, phoning the companies up, changing addresses, closing accounts and all sorts to make it hard to trace back to him, you really shouldnt have told him and got the police involved because now he knows he has the time to act on it.

time is now ticking mate - do it fast.
 
I want to go to the police because I have no trust that he wont do it again, my mum has told me that now he knows im on to him he will completely **** himself he doesn’t think anyone is as smart as he is, which is rubbish because I don’t know anyone any thicker than him!!

I rung him and told him what I know, did say I think it’s him but said what I knew i.e. It came out of his address.

But im worrying as my 2 careers that im going for are the Police, and once I am in a position to do so im going to start a property empire...

The problem is, he can risk both those careers!! And once he knows im in the police he has an even better chance of getting this credit on my behalf!!

Not only that, I work for a bank, they had to do a credit check on me so what if he had got credit then, I could have been stuffed!!

My sister is the only problem have, she’s 14 and still in school and she would be extremely embarrassed if he went to prison or if she even found out what had gone on!

I will always find out who or what he has in my name, the police can see what hes got in my name, what hes used, what address, name changes etc..

He cant hide, as much as he thinks he can.

I don’t know what to do guys im in such an incredibly difficult situation.

James.
 
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I dont know why your still pondering on it dude, all the answers point to him. I think you need a third party to make the answer for you because you clearly dont want it to be the case to the point where its almost denial.

good luck though anyway
 
Do as I say in my post above and join Experien on-line, get the full details of what he has applied for using your name and if its not gone too far or not serious then sort it out with him but at least get the disassociation from him on your credit file straight away.

Depending on how serious the situation is and his attitude toward it should make your mind up for you. Its a terrible situation for you to be in but your not the one who has done something wrong. If it can be salvaged at this point then do so, but if not and if it is your father he has placed you in an unforgivable position and you must protect your own future. This is a situation that no decent caring father should ever have placed his son. :(
 
djohn said:
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You’re exactly correct; well I have my credit report now... I got it a few days ago that’s how I found this out, apparently my mum has said that if he has anything in my name it should come up on this, well there is nothing as such on there as he has been turned down as I don’t really have a rating as ive never had any reason to be given one.

It shows me 4 things he has applied for and it has something else where it says my name wrongly, it misses the "Y" off the end and has changed my middle initial, and has my old address but the next door neighbour, 25 instead of 23...

Is there anyway you can call Experian?

Can they completely disassociate me from him and tell me if he has anything else or has applied for anything else in my name, and can it ban anyone doing it but me?

If I grass him up, I face my sister been humiliated and even hating me :confused:

Im sure she wouldn’t hate me but it’s always a possibility. As she’s so young she wont really see much about the situation just that her beloved big bro but her dad in prison.

She knows something is up as people keep asking how I am, what’s going on etc... So my mums told her something else is up with me who is also true as to move her away from any thoughts of what is actually going on.

Good idea, as for time, I think I need to go have a word with the police on Monday morning, my mum has said he probably wont do it again now im on to him, he will be scared, that’s not the point, I don’t want him to have a chance, I don’t want him to be able to, and I don’t want him to get away with trying its like, completely disrespecting me in all ways imaginable, which isn’t the kind of thing that can be forgiven.

When I spoke to him yesterday and I mentioned that the only other option I have is to go to the Police, he just said the following “well if that’s the only other option then you’ll have to do that then wont you” as if to call my bluff.

Complete joke to be honest.

James.
 
Very difficult situation and what your father has done is almost unforgivable but there may be reasons your not aware of and he is too embarrassed to explain to you at the moment, hence the bravado act. I think he must have been either very desperate or completely uncaring to have done this to you but being responsible for sending your father to prison is also something you will have to live with for the rest of your life. See if you can sort this out with him first before taking the final step of involving the police.

Regarding disassociating yourself from him financially, yes, its very easy to do and Experien will tell you the correct way to go about this. Once you have disassociated your financial affairs from your fathers then all credit checks on you will show you and you alone and any attempt by your father to gain credit or obtain goods by using your name will automatically raise a red flag to those running the check and they will then take proceedings against him for attempting to gain financially by deception. This at least would give you peace of mind in knowing it was not you directly responsible for any legal proceedings taken against him.

I'm away from home at the moment staying with my son and newborn grandson so I don't have access to my account with Experien simply because I can't remember offhand my account password. I do know that you can get very quick replies to any query via email as I've often contacted them this way myself but not sure about how much they will discuss over the phone as I've never used this means of contact except for minor info. [They were always very helpful]

I do know they will not discuss any personal details of your fathers with you due to the D P A. but they will keep you informed instantly by phone, email or text if they see any suspicious activity or inquiry's by third party company's being made in your name and/or current address. It really is worth every penny of the monthly fee to keep your credit rating in good order and prevent fraud or identity theft which is more and more prevalent in recent years. Remember, it takes years to build up a good credit rating and one blink of an eye to have it reduced substantially or completely ruined then taking many years to rebuild again...
 
It wasnt long ago i was thinking "imagine ID fraud happening to me.. what would i do, i dont think it will ever happen i do keep my info very very secure and safe."

...unimaginable that it would happen to me, not only that, but my own dad doing it, what a joke.

As for alerting the police, if i was to say to experian please can you check out my report as something fishy is going on and i dont understand it, playing dumb as such, would they find out whats happene don my behalf and take action them selves?

Ill email them now.
 
James as I think was said in the previous thread as well as officially requesting that all 3 of the credit references agencies disassociate him from you, you need at the very least to ask them to put a fraud warning on your file (again with all 3), disassociation won't work if he's using your details (it's there to stop linking of persons), but a fraud warning should mean that any attempts to gain credit in your name are referred to you personally at your home address.

If you knowingly let it carry on, you can get into trouble yourself, but if you alert the police and reference agencies now I believe it shouldn't affect your future prospects.

Unfortunately whatever happens he's put you in a very difficult position :(
 
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