Firstly, I initially posted this in MSE forums, but no one has replied so I have also posted here as I really need advice:
I need advice regarding some fraudalent loan applications done in my name and the possibilty of identity theft. Sorry if this is a long post.
I received a call at my work place from Payday UK regarding my loan application. I was busy so took a note of the number, googled it and called back when I was available. I told the person I hadn't made any loan application with them. She then asked for date of birth so she could check the system. I refused to disclose this. She then said the application would be put on hold, my case would be passed onto the fraud dept and they would get back to me within 5 working days.
I thought nothing of this. Well, nearly 10 working days had passed when I received a letter from another loan company, this time Payday Express regarding a loan of £250 saying that they assume loan payment to be deffered as I have made no communication and they have attempted to do this with my debit card details.
Again, I have made no loan applications with said company. This freaked me out and I remembed the Payday UK application thing, I decided to call them. Well, it turns out my details wern't passed onto the fraud dept as they were "busy".
The next day I received a call from MEM Consumer Finance LTD saying that the loan application with Payday UK would not be processsed and I would have to complete a witness report to get the credit check removed. I have since received this witnesss report, it basically wants me to confirm personal details such as occupation, date of birth, telephone number, email. Is this safe to disclose, although they already have telehone and address.
Ok, back to Payday Express, I called them and said I hadn't made an loan application with them. Again, they wanted my date of birth, I refused.
The next day i received a letter from them advising that the case is being dealt with fraud dept. The first step of investigation is for me to go to local police sation. Here's a quote:
"The first step of the investigation is for you to report this matter to your local police sation and obtain a Crime Reference Number/Incident Number. Whilst some forces will actively contact the potential financial victims of a fraud to help in ascertaining if a crime has been committed, others may not. it is however, essential that a report is made so that we can liase with them throughout this investigation."
I did just that, went to police letters along with letters, explaing the situation. The officer said, this is between you and the company, how does she know that I haven't taken a loan with these companies.
Well I said my concern is that the letter is requesting me to report this and get an incident report and the fact that identity may have been stolen, Payday UK called me at work, I never disclosed this to anyone. She asked if I had lost property, passport, money, drivers licence etc..I said no. She said I need to liase with these loan companies and not police. I found her to be very unhelpful. I am thinking of reporting via website rather than police station.
I have since ordered the £2 credit check for both Experian and Equifax, I would have do Call Credit too but need to print off application for the paper check rather than instant check.
I hope this all makes sense, what I need advice on is how to get out of this mess.
Any help/advice is fully appreciated.
Thanks in advance