Fraud Loans in my name!!!

I have just been contacted by a loan company asking for me to give some more details as my loan is being processed! The thing is - I haven't applied for any loans and definately not at my new address! I am gobsmacked! I am trying to clean my debts in my name and I already have bad credit (so thankfully this person can't take it out) but it scares me to think that someone has done this.

Absolutely gobsmacked and no idea what to do now. Experian sent me and email today saying there was new activity on my credit report too which I had no idea what it was. I am in shock

 

[Sarah&Braydon]

awww hun

no idea bout this kinda stuff but can u contact someone??

 

I have no idea. Just checked Experian online and it confirms my credit has been checked recently.

I'm so bloody angry now! Just glad in a way that my credit score is low so they couldn't get it

 

[Sarah&Braydon]

awww hun sending u (((hugs)))

 

[Dee1985]

hi hun dont mean to sound negitive but its anightmare to sort out, i had loads of documents in wrk as i was goin to go to council to aply 4 a house i had childbenift details mine kris and dior birth certificate my passport bank details council tax bills. it went missin any way i fort it wud turn up just lost it untill 3 days later i had a welcome to three letter and welcome to orange and vodafone, 3 contract phones were opened up in my name they got the phones and done one i got a equifax credit report and they had applied for loads lots of things they also got refused loads of other things as my credit rating aint great any way but still now 9month down theline my credit report aint sorted because first thepolice have to prove it wasnt me then credit people have to contact all the phone companys, really aint helped the fact i want a mortgage or loan

 

I've just paid to check my credit rating and apparently now it is now repaired and is excellent!!! So good job I caught it in time to stop them taking the loan out.

What a nightmare for you Dionne.... some people just don't care who's lives they ruin

 

[Dreamer]

I would consider contacting the police tbh!

 

[Melanie]

Its happened to me too, i would go to the police hun.
The police told me its sadly likely to someone you know too

 

If I went to the police how could they check who it was if it was applied for in my name?

My friend has over 30K fraud loans, etc, at her address but in someone elses name, a girl she used to work with, but the police here wouldn't do anything about it

I sent a message to Experian letting them know about it so hopefully it won't drag my credit down again

 

[minikins]

Check this out babe, it has some useful weblinks as well.

They are rotters (using a polite word there)!

I am paranoid about this so use hardcore web security and shread anything with my name and address on, and receipts etc.

I think there is a special place to check if your address has been blacklisted and check your credit rating etc and you are entitle to see all the info on your credit rating, but you have to pay for that I think.

 

[cassi]

If I went to the police how could they check who it was if it was applied for in my name?

Well if it was done online then IP address can be checked..if it was done from a home pc then police should be able to use to it find out exactly who it was...or at least what house it was done in and what name the internet is under

 

[beanie]

It might also help to have a record of you going to the police in case anyhting happens, for insurance purposes????

 

that's true - I get so nervous doing things like this though, feel like I'm grassing someone up (which I know is stupid) Think I'll get my mum to do it

Is there anyway a loan I applied for at my previous address about a year ago come up now at my new address?? Is that even possible? Because I did apply for one over a year ago at my old address (before I even got with Mark so 2 years ago) - could that have been brought up again by another company and followed me to this house???

 

[beanie]

Perhaps but I think it is very unlikely.

 

I'm just trying to make sure it definately wasn't anything to do with me first before I report it. Might contact the loan company again and see if they can give me any information.

I just don't understand how someone would have all my details

 

[Manda]

I had credit card fraud, my card contacted me and asked had i been out of the country or used my card in the last week i said no and then they asked if i had my card to hand and asked me to get it they then told me that over 500 pound (sorry haven't got pound key only $ lol) had been spent on my card one in Holland and one in Essex one was a card swipe the other on internet, they said that at some point my card had been copied the only reason they picked up the spending was cos i jhadn't used my card for over 6 months and that there was 2 big spends, my card was closed straight away and i was sent forms to fill in for the fraud team to be able to investigate, i've never heard anything and that was about 3 years ago, i didn't have to pay the money back the card company wrote it off.

Sami i think correct me if i'm wrong that you said a while ago that you'd applied for loand to try and consolidate your debt but been turned down and had to return to work? is it possible that your details could have been passed on to other companies in case one of them coud help you? you need to contact the loan company and find out if it's definately not you that applied they will put their fraud team on to it good luck hun x

 

[Helen]

Ditto.

I had a fraud on my bank account 3 years ago. OH and I went down to London for my big 3-oh birthday and someone managed to swipe some details off my card then. I'd used it at the London Eye, London Zoo and Boots i.e. nowhere dodgy. I discovered afterwards that there is a market for till rolls. All your details are on there and folks who work at these places can sell the till rolls on somehow.

I had £1k taken out of my account before I realised what was going on. (I don't really check my account very often) It was only when I went to pay for lunch and my card bounced that I knew something was wrong. I checked my account and there were all these transactions in London when I was back home in Yorkshire.

The police were absolute pants at the time. They refused to do anything saying that they couldn't because of the data protection act. If I'd been mugged in the street for a grand, they would have done something! Anyway bank refunded my money within a couple of months. Their fraud team were ok at getting it all sorted.

About 18 months ago I got a letter from the Met Police. They'd raided this house with all the gear for making fake cards and found a receipt from one of the dodgy transactions on my card and traced me from it! They reckoned that they'd got the top bods and had loads of evidence against them. My situation was one amongst hundreds. I did a statement and I haven't heard anymore since but the detective I spoke to was pretty confident at getting them sent down. Hurrah!

Anyway, the point is, I would definitely report it everywhere you can. These people are crooks in just the same way as the bloke who robs a bank. We need to stand up to them!

Helen

xx

 

[minikins]

Here is the link I forgot to put in Sami http://www.bbc.co.uk/crime/support/cardfraud.shtml

xxx