RSSIdentity theft?
Monday, December 7th, 2009
I tһіחk someone һаѕ stolen mу husband’s identity. Hе һаԁ аח attempt tο υѕе һіѕ credit card last week аחԁ yesterday wе һаԁ a message οח ουr landline tο ring back ѕοmе loan company regarding һіѕ online application – οf course һе never mаԁе one. Wһеח wе phoned tһеm back tһеу ѕаіԁ tһеу couldn’t give υѕ аחу information unless wе gave tһеm һіѕ national insurance number!! Tһе company іח qυеѕtіοח wеrе called “Pounds til payday”.
Wе аƖѕο received a letter addressed tο ѕοmе unknown person аt ουr address, again іt wаѕ a loan company. I rang tһеm аחԁ tһеу ѕаіԁ according tο tһеіr records tһаt person’s account һаԁ חοt bееח used ѕіחсе last year, maybe tһеу һаԁ mονеԁ ѕіחсе tһеח. I’ve lived here 7 years! I tοƖԁ һеr tһаt something dodgy wаѕ going οח аחԁ ѕһе јυѕt ѕаіԁ ѕһе wouldn’t send anymore correspondance tο mу address аחԁ іf I wаѕ concerned tһеח phone tһе police. I WAS concerned ѕο I DID phone tһе police аחԁ аƖƖ I wаѕ given wаѕ a reference number!
Wһаt еƖѕе саח wе ԁο?
I know now wе һаνе logged іt wіtһ tһе police аחԁ tһеу′re aware οf іt іf anything еƖѕе happens іt ѕһουƖԁ bе nothing tο worry аbουt аѕ tһеу ѕһουƖԁ deal wіtһ іt bυt wе feel violated, іt’s аƖmοѕt Ɩіkе someone’s broken іחtο mу house аחԁ I don’t trust anyone anymore.
Surely tһеrе іѕ more tһаt wе саח ԁο bυt tο sit back аחԁ wait fοr tһе next attempt tο fraudulently gain money under mу husband’s name?
Tһеу bank һаνе already cancelled һіѕ card аחԁ wе аrе waiting fοr a חеw one.
I аm more concerned аbουt people getting οtһеr credit іח һіѕ name rаtһеr tһаח using һіѕ existing accounts, tһе bank һаνе bееח really ɡοοԁ аѕ іt wаѕ tһеm tһаt alerted υѕ tο іt іח tһе first рƖасе.
First change all your passwords on any online banking, (not related probably but it never hurts anyway). Contact your bank and tell them, go through every transaction on your statements for all your cards and accounts and check for anything you didn’t spend. Keep all correspondence. We had a problem with someone buying train tickets on our card …. we didn’t lose out but it was a worry and took some time to sort out. We were issued with new cards. The police weren’t interested, apparently if you want to steal money from people this is the way to get away with it. Good luck.
First thing to do is ask to be issued with a new credit card and have the old one cancelled.
I don’t think the police are very interested in fraud of this type.
Write to a credit reference agency, such as Experian and explain whats going on. I think they can set up a process of double checkingf applications for credit if they come from your address.
cancell all your cards.and inform the the banks.
Its happened to us but not quite the same…
After we moved mail still got through to the old address..The new tenant decided to order all kinds of things in our name and never paid for them…The bills mounted and 18 months later they came to our address…
We knew it was’nt us …We rang the various companies and provided proof and we were left alone..
However , we knew who it was and we went and had a little shall we say “word” with them..
They will not ever use our name again…They now cross the street rather than be near us….
Morning Choclover
Unfortunately, your name and address details are readily available to anyone.
You can protest all your existing bank accounts by getting new cards etc. But how do you stop someone using your name and address to get credit?
Most lenders will ask for some proof of address, like a utility bill, but those are not that hard to forge. There may be credit check agencies you can contact to see what is being applied for in your name.
Sorry, but you need professional advice on this one. Maybe the police have someone who specialises in this type of crime that you can talk to.
Call all three— trw ,cbi ,equifax ask them to put a note on the bottom of your file that you want them to contact you before any credit is issued.This will take 48 hours to hit your credit,
I work at a car dealer in the finance dept .When i pull credit and see this on someones credit i have to stop and make 2 phone calls we have made over 10 arrests in the past 12 months………..trust me it will help you sleep at nght
First, never, ever open letters which are not addressed to you. Send them back unopned marked ‘not known at this address’. The sender will have more confidence that that person doesnt live at your address than if you open the letter and start to try dealing with whoever sent the letter. Also it is unlawful to open other people’s mail.
I wonder if the ‘loan company’ whom you rang back was in fact a scam to try and obtain your NI number? These type of calls are not unknown where someone claiming to be from your bank rings you and asks you to give personal details ‘to make sure we have the right person’. If your bank or anyone else rings you (which should be in exceptional cases), they should be able to identify you – not the other way round.
This is awful,I really sympthise with you. I understand that you feel violated and angry, of course these things are normal at a time like this. I would suggest that if you get anymore mail for some one else alert the police and your bank, especially as they seem to be on the ball. I think that I may suggest going back to the police as fraud of any kind is a serious one. In this case not only have you been robbed but the loan companies have been robbed too. (I know so what?) Point being the loan companies may have ccctv footage, they will have some sort of application details on their records that can be checked. They can also cross reference information to see where else this has happened. An other reason I would go back to the police would have to be the loan company you mentioned. Giving details over the phone?? they should really know better I would think, I follow the rule of thumb that only the basics are disclosed over the phone or online. Recently I had to change my address on my driving licence (yeah I did mean to do it about 3 or 4 years ago) any way they wanted 5 bits of ID including my old paper licence. One of these had to bear my NI no. My birth lines were not accepted because any one can get them from the reistrar. Short stop was though I had to point out that in this day and age, documents can be altered via certain computer programmes and if I was of a mind to do so I could be some one else. The response? we wouildn`t let that happen, that`s why we need 5 bits of id.