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ID Fraud by family memeber. Please help

onriebaby Avatar
5y, 11m agoPosted 5 years, 11 months ago
I am really hoping someone can help me as Im really confused right now. Basically my older sister is on heroine and is having a rough time right now, so she has been staying at mine on and off for the last few weeks. Anyway, last week I recieved a letter fropm O2, one from Orange and one from an insurance company all saying thanks for joining us etc etc. I was really confused as I know that I havent opened anything. I was about to jump on the phone when she walked in and I decided to ask her about it. She denied this, but I could tell she was lying. After a few hours of interogration she admitted that she had taken contracts out in my name (she had 'borrowed' my debit card and some bills to do so) in order to sell the phones. However she stated that the person in the shop was 'underhand' and changed the bank account details and was supposed to change my name etc so I was never to be the wiser. And she was right there is no direct debit to me and the account number quoted on the letter are not mine.

I have now received one phone off of her, but the other was sold already - and she had spent the money. To make matters worse she kept the sim and had been using that continously - needlessly to say I now have that.

But Im wonderng what to do now... I cant afford these contracts but I dont want to get her into trouble (stupid I know), but I mean serious trouble.. I would assume this is classed as fraud albeit Im her sister; and yes I know, that makes it worse, but she is my sister and I dont want her to get arrested or anything.

As I says one of the contracts is still untouched in the box and the other the sim has been used and the phone sold.

I dont know if I should call up and explain or not .... I could say I have no knowledge of this, but I dont want to lie ... I find you always get caught out somehow. And of course I cant ignore it as its in my name address etc and I dont want it affecting my credit.
Thanks
onriebaby Avatar
5y, 11m agoPosted 5 years, 11 months ago
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5 Likes #1
She obviously doesn't give a crap about you so go to the police
#2
Call the Police.

Sorry but I would.

Edited By: t0mm on Dec 14, 2010 18:36
[mod] 6 Likes #3
Hope you are thick skinned OP...............brb............getting popcorn.

http://www.ginster.biz/popcorn.gif

Edited By: Syzable on Dec 14, 2010 18:38
#4
Report her to the Police for fraud.. Family or not family.

The fact is, its you that will suffer from this, not your druggie sister.

The only way you will be able to cancel the contracts, if out of the cooling off period is to get the police involved to confirm that the accounts were open fraudulently.

If you still had the mobile phone handsets, you may of stood a chance of getting a goodwill off the mobile phone companies..

Also.. make sure you have kicked her out.

End of.




Edited By: RickT on Dec 14, 2010 18:41
7 Likes #5
Look, as a person who was married to someone with a severe drug problem, it makes no sense to protect them.. the only way this person will break their habit is if they have to face up to the problems they have created themselves. You do need to go to the police, otherwise you are left with these contracts that YOU will have to pay for, fantastic.

My biggest mistake was covering up for my ex and as a result it just delayed the inevitable; everything closed in on them in the end and I was left almost peniless with 3 kids to support. I should have let him go to the wall sooner. I wish you luck. x
#6
she wernt the one on Jeremy Kyle today?

seriously though your not helping her by protecting her. She needs to learn
#7
SHE is "having a rough time right now"??my heart bleeds-not-kick her out and call the police-you CANNOT help a junkie-end of story! she will lie to you,steal from you and your life will be dragged down to her level-dont waste your time. And incidentally,you arent helping her by letting her stay with you -she clearly sees you as a soft touch-if she is going to get out of her situation and get help,sadly she will have to hit rock bottom first to realise that.

Sorry if I sound harsh,but take it from me,once she is at the stage she is prepared to steal from her own sister,she shouldnt be in your house poisoning your life-get rid!
#8
RickT
Report her to the Police for fraud.. Family or not family.The fact is, its you that will suffer from this, not your druggie sister.Also.. make sure you have kicked her out.End of.

I was frightened you would all say this, but its so hard. And yes, shes definately gone and wont be coming back.
#9
Once a smack head always a smack head.

Report her.
#10
Your only other option... Involve your parents and see if you can get any financial backing from them to pay off all the debt's to prevent reporting her to the police.

This may make you as a family feel better about her actions.

Edited By: RickT on Dec 14, 2010 18:45
#11
The companies are going to catch up with you eventually because they obviously have your address (with you getting letters from all three) so they'll be wanting their money when the DD or whatever bounce. You'll be the one they'll chase if you don't do something about it now. You're doing your sister no favours in covering for her because you'll be the one charged with fraud no doubt. She'll still carry on regardless and do whatever it takes to get her next fix. If it were me - I'd phone each of the companies up and explain the whole lot then they can deal with it from there.
#12
oh,and op,just because she has gone,doesnt mean she doesnt still have all your card details etc-get EVERY single credit/debit card you have cancelled right now! get your bank account number changed immediately. Believe me,if you dont you are heading for disaster!

for everything you have found out about so far,there will be plenty you havent yet

Edited By: barky on Dec 14, 2010 18:48
#13
kaks26
If it were me - I'd phone each of the companies up and explain the whole lot then they can deal with it from there.


This needs to be your first action to do tonight.

The eariler you inform them, the better it will be for you to get some support from them if required. (ie putting a frezze on all charges etc)
banned#14
LOL.

I spy a victim.

Whats her number? / numbers?
#15
only way to save your ass is to report her, sorry to say. why dont you ask your parents for advice

edit not to the police, to the phone companies and see what they say

Edited By: MR1123 on Dec 14, 2010 18:53
#16
Report to cops

Then get Pete Beale round to give her the same treatment Nick Cotton got when he was on smack

Edited By: boothy on Dec 14, 2010 18:53
#17
Agree with all the sentiments.

The companies will come after you as its still your address and name.
i would do as barky advised aswell and cancel your details.
#18
You must report her. When the DD bounces you will be liable and you will get in trouble for fraud.
#19
I havent told my parents as my dad in his 70s and they both live on his pension... i dont want to put any pressure on tem especially with it being Christmas in a minute. I'm scared to phone tohe phone companies as I know they will involve the police.. and yes I know that needs to be done but its just so hard. Either way as said by some, I know that when the DD bounces I wil be getting extra charges and letters to my door.
banned#20
onriebaby
I havent told my parents as my dad in his 70s and they both live on his pension... i dont want to put any pressure on tem especially with it being Christmas in a minute. I'm scared to phone tohe phone companies as I know they will involve the police.. and yes I know that needs to be done but its just so hard. Either way as said by some, I know that when the DD bounces I wil be getting extra charges and letters to my door.


Either you're gonna roll over or you're gonna goto the police.

There is no other option. You are being utterly rediculous even bringing this to the forum.

Snap out of it, wake up, and do something about it. She's you're sister - bad times, deal with it.

ITS NOT GOING TO GO AWAY.

Edited By: cuzzy on Dec 14, 2010 19:22: .
#21
I agree with everyone on here - she needs help, and by you ignoring what she has done or covering it up you are not helping her.
You should go to your parents, explain the situation, go to the police and also I would try and convince your sister to go with you to the doctors with an open mind and ask her whether she has realised the time has come for her to get off the drugs. Drum into her that she as stolen and lied to you, her sister, who had faith in her and took her in, maybe it will pull at the heart strings and maybe somewhere inside her she'll remember the human feelings of love, respect and realise she needs help. Maybe not, but you have got to try.
1 Like #22
Someone i knew from school ended up a smackhead ,But the real problem was his dad would bail him out of everything he did, All this did was help him get deeper and deeper into trouble knowing he would never have to face the consequences and that his dad was always there to sort it out, In the end he overdosed and people cant help thinking that if his dad had made him face up to things then he might still be here,You really arent doing a drug addict a favour by covering for them,
#23
So, there is no option but report her if I want to get out of the contracts? I really cant afford them.. Im pretty much living on the edge as it is.
#24
as hard as it may be she obviously wasnt thinking of you or your feelings for her to do this, all she cares about now is how and where to get the money for her next hit, your not helping her by not reporting this to the police.
whatever feelings you have for her, unfortunately arent reciprocated to you.

Wouldnt like to be in your situation right now, hope you get it sorted out
#25
And surely the member of staff that is fraudulently selling contracts and causing problems should be dealt with aswell.......?

Your sister is not going to realise what she has done is wrong. You are liable to end up in financial trouble which this side of christmas or in the new year if you get charges and have to pay them its going to cost a lot of money long term....
#26
ever heard of tough love honey thats what your sis needs instead of feeding her habit and making it easier as she will know you wont tell she will keep doing it call the police as the companies wont let it go without a crime number the police will put her in touch with people who can help my bro was an alchy took me for everything you really dont want to go there because next time your mum and dad might be the victims
#27
Call the companies love.
Its hard but its got to be done. otherwise it is you who will end up with a poor credit rating, the bills and the bailifs.
#28
Shop her - no brainer in my opinion.
#29
Either pay all the costs involved or report it to the police.
Your Choice.
Ignore it and you could get a criminal record, or the very least a black mark on your credit record.
banned#30
onriebaby
So, there is no option but report her if I want to get out of the contracts? I really cant afford them.. Im pretty much living on the edge as it is.


Why are you even contemplating whether you can afford them?! REPORT IT!

Ignore dcx though, hes just bitter because hes as daft as a heroin addict, without being on heroin.
#31
I think.... the OP should maybe post the question on another forum where she will get the support and advice she needs... (from people who are there to help rather than just rip the pee and offer no constructive advice apart from reporting it to the Police.)

My point of view is not to give a druggie the time of day..... but that's my opinion.

As lets be honest... this thread is not helping matters really for the OP....




Edited By: RickT on Dec 14, 2010 19:20
#32
Phone the companies and play dumb, saying you have received the letters and you don't know why. If they won't back down you can always just ring them back later on saying your sister has just confessed.
banned#33
RickT
I think.... the OP should maybe post the question on another forum where she will get the support and advice she needs... (from people who are there to help rather than just rip the pee.)

My point of view is not to give a drugie the time of day..... but that's my opinion.

As lets be honest... this thread is not helping matters really.


totally agree, but to be fair, the majority of the replies are sensible and accurate. I mean I know people come out will silly things when they are emotionally unstable, and I perfectly understand the OP is in a dire situation, but there isn't really a lot to think about is there?
#34
RickT
I think.... the OP should maybe post the question on another forum where she will get the support and advice she needs... (from people who are there to help rather than just rip the pee.)

My point of view is not to give a drugie the time of day..... but that's my opinion.

As lets be honest... this thread is not helping matters really.

what other help would they be able to provide apart from tell her the same as many have said here
#35
Peterdj41

what other help would they be able to provide apart from tell her the same as many have said here


Maybe the way it was handled and people to actually speak to, (i'm sure there must be groups out there who you can ring which provide support for families of addicts ? )

The right thing to do is contact the Police, but with the correct advice and method from another support group may make the process a little easier.
#36
at risk of being lynched by every one else on here
call the companies involved, tell them you have received these letters but have no knowledge of any of them.
do cancel all your cards etc though.
they will find someway of holding you responsible, and why should you pay.
10 Likes #37
i am a police officer and I can categorically confirm that if I were to receive a complaint from the phone company in your name for a phone that should be signed for at the address, I would be arresting you. Your name is all over it as are your fingerprints on the phone and sim which are in your possession.
Your drug using sister can either confirm it or not, if she decides not to, then there is plenty of evidence to consider you as responsible and put you before a court.
I have first hand contact with drug users every day and they will lie to anyone to get out of having to go to down. She will know that as your first offence a solicitor may recommend you to admit it and you may receive an adult caution. Please DONT go down this route. A caution for fraud will ruin your chances of employment, credit etc.
The only option as I see it is to make contact with the phone companies. They are the injured party in all of this and should determine how they want to play it. You may have to make a statement to the police and give evidence against your sister
please also remove her from your address. She will steal anything of value and will bring misery to anyone that she comes into contact with. Taking heroin is a mental issue and she will have different morals and values to you now. You will have to accept that you will not change her and the best system to have her change her ways is to put her before a court who can order gher attendance at a drug rehabilitation centre. Again you will not change her mental state.
I think you are a credit for trying, but this evidences that it wont work. Please contact the insurance companies before you get arrested and have her leave your house. Also please remove any of your bills, passports driving licences etc to a safe place before you have her leave.
You are currently handling stolen goods as you are retaining the items that you know should be returned, so please do this asap
if you need any more help, let me know. Good luck
#38
You've gotta use Tough Love!!! if you keep looking after her she will never have a reason to kick the habit and get her life sorted, i can understand that you dont want her to get arrested (does she already have a criminal record?) but you could be the one in serious trouble (guilty by association). I wish you all the best, whatever you decide to do. x
#39
They WONT involve the police because you could just be saying that to get out of the paying the contracts; which of course is the truth but you WILL need to involve the police as these debts are YOURS until proven otherwise.

. Stop protecting your sister and wake up, it hurts like hell to do it but you have to be cruel to be kind.
#40
what nobody seems to be pointing out here is the fraudulent shop worker who facilitated this, they need to be dealt with, they helped your sister commit this fraud and personally think they should be held accountable and sacked, so that somebody who may value the job could be employed.

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