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Fraudalent Loans and possible identity theft - help!

thunderb0lt Avatar
6y, 4m agoPosted 6 years, 4 months ago
Hi everyone,

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

thunderb0lt.
thunderb0lt Avatar
6y, 4m agoPosted 6 years, 4 months ago
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Comments/page:
banned#1
Just ignore them from now on and say its their problem that their system of identification is so crap
#2
Surely its somebody that knows you if they have given them your works phone number or address.
#3
Sounds like someone you know has use your info on Payday.

You need to talk to their fraud dept. You'll need to give your info, date of birth ect, it's the only way they can check that you are who you say you are. the odds are that the info they hold has errors and you need to use those to prove that you didn't take out the loan.

You will need to take it up with the police, I'd use the system where you can report it over the phone and get a crime number that way.

Payday's fraud dept will run an investigation (which may take a few days or longer).
You will have to give your info to them refusing to give will only slow things up. The fraud dept can be trusted (I work in the fraud dept of one of the mobile networks, I can assure you that the info will be safe).

Good luck. . .
#4
Thanks for the replies for far.

@steve1221 When I went to the police the lady fobbed me off, saying that the fraud dept will investigate and get into contact with them if they need to.

I have checked the met police website and there doesn't seem to be a section for reporting this kind of fraud/indentity theft, or am I missing something.

Thanks
banned#5
The problem is, its the company that should report it to the police.
The OP hasn't lost any money, nor is he the victim of crime. The attempted fraud is against the loan co.
#6
Why not try the credit expert 30 day trial
Have you no idea who might be doing this? As said it's probably someone you know.
#7
I can't help you with the police, sorry. Each force has it's own way of doing things.

Here in the sticks in Bristol we just call one number and report everything. I know the Met do things in their own way. I'd call a general number (unless someone can post one here), explain what's gone on and the should transfer you to the right dept. Just tell them Payday won't proceed without a crime number...
#8
You can't steal an identity, it's non tangible. As payday are the victim then there is no crime against the member here. Under national counting rules, payday should report the attempt to thier local force, following if a crime is to be recorded then it is in the home force until the evidence can show where either: the guilty mind was formed, or more likely, the suspect lives.

Personally I'd request, via phone for this to be logged for information only and then request an incident number. An incident number is not a crime number.
#9
Tnikerbell, it's not that the police 'don't give a crap' it's that it's not. For them to investigate under current legislation.

To reduce beuracracy and speed up/ increase effeciancy(sp?) the financial institutions were empowered to record crime. Once a suspect or credible lead was identified then it is passed to the police for enforcement.

The fact that this wasn't explained to you is the issue here, which is why you're of the opinion that the police can't be arsed.

Were you aware that schools can record crime with the home office too? Not related, but just for your information
#10
And I'm typing on an iPhone so sorry for random spelling/grammer errors
#11
Derby_Lad
You can't steal an identity, it's non tangible. As payday are the victim then there is no crime against the member here. Under national counting rules, payday should report the attempt to thier local force, following if a crime is to be recorded then it is in the home force until the evidence can show where either: the guilty mind was formed, or more likely, the suspect lives.

Personally I'd request, via phone for this to be logged for information only and then request an incident number. An incident number is not a crime number.


I'm confused, the fact that someone has used my information and potentially affected my credit rating, does this not count as a crime.

I guess I will have to fill in this witness report for PaydayUK and keep chasing Payday Express. I'm just so annoyed with this though.
#12
have a read of this should be helpful. http://www.crimestoppers-uk.org/crime-prevention/helping-prevent-crime/identity-theft/what-to-do-if-youre-a-victim

Edited By: sarbjeet_ on Jul 24, 2010 08:47: typo
#13
I am in the process of writing a letter to formally confirm that I haven't made any loan applications with these companies.

This is what I have written so far:

Dear Investigations Department,

Re: Fraudulent loan application Reference ******

Further to your letter dated 20/07/10 I am writing to formally confirm that I have never made any loan applications with Payday UK, MEM Consumer Finance or any of it’s brands or associated companies.

Please find attached the completed witness report statement.

I want to write something requesting that they release and destroy any information about me under the Data Protection Act. Ay suggestions on how what to add/amend to this letter.

Thanks in advance
#14
Hello all, just an update and advice needed really.

Well I sent off letters to both companies coonfirming that I had never taken out any loans. From the first company I received a letter saying further to my recent commuincation they can confirm that someone has used my information to impersonate me and they are investigating. They said they will remove the credit check from my file. They mentioned nothing regarding my request under the Data Protection Act for them to disclose the information they hold on me but they did say that they have flagged my name with CIFAS and that I should pay CIFAS £10 to find out the information that CIFAS hold on me.

The second company called me to confirm they had received my witness report, they would remove the check from my crediit file. When I asked about my request to release information under the DPA she said no, she said this is not my information as it is a fraud case and that I have no right to request such information. I said regardless, whether fraud case or not I would like to know what they hold about me. I asked how long they would hold this information, she said 7 years.

I said would she able able to put all this in writing. She said yes. She then called back 5 minutes later and said that she would not be able to write such a letter I would have to raise a complaint with the complaints department.

I just want to know whether what she is saying is true. Should I just let my request to release the information go as both companies claim that the would remove the credit checks or should I continue to pursue with this.

Thanks.
#15
I got this text too!! what should i do?? i got it a couple of days ago but i ignored it

Edited By: golemsmate on Aug 05, 2010 22:27: .
#16
golemsmate
I got this text too!! what should i do?? i got it a couple of days ago but i ignored it


What text did you get ?
#17
thunderb0lt
golemsmate
I got this text too!! what should i do?? i got it a couple of days ago but i ignored it


What text did you get ?


"philip, thank you for your application. Please call 0800870 1178 b4 20:00 or visit quidmate.co.uk to confirm. reply stop to end"

quidmate takes me to loanfinder. Is this a different thing?

Ah i think i read yours too quick and i saw the same company and slightly shat myself :O i really hope mines just a spam message

Edited By: golemsmate on Aug 05, 2010 22:49: to add the end bit

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