PLEASE HELP! this could happen to your mother as well

20 replies
Found 7th Apr 2010
ok so the catalouge company 'choice' managed by 'shopdirect' have claim that my mother ordered over £300 of items from them (which she didnt) this was before christmas..... she has now told me and it has got to the stage of going to NDR. when i phoned choice they said its all fine etc ignore the letters yet more come???

however here is the best bit out of the £300 order only a £24 order went to our addy the rest went to another 'undiscloseable address' the only have her first and last name and address no telephone number no date of birth! (when asked the said it showed 1910 [which it isnt lol] )

what can we do / go from here when you phone them you get some dim-witted idiot who says its fine and to ignore it yet now it is going to a debt recovery agency where do we go from here i have never seen my mother so stressed (gone from 2 cigs a day to 40+!!!!) i am going to phone them again in the morning but whats the best thing to say / do???

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have u tried speaking to a supervisor??if yes ask to speak to their superior. if its gone to a different address (first orders are only supposed to go to account address) then they should be able to give you the address as they are saying its your mum who had it sent there. it sounds like they know that they have been fooled but are hoping they can force your mum into paying. the order that went to your mums addy? did she order it and accept it?

Get down to the local citizens advice in the morning and see if they can help/advise.

hth
~CtC~

FFS I thought you were going to say her hubby moved out aswell !!!!

Get them to put something in writing speak to a manager and don't be fobbed off.
Tell them you are instructing your solicitor to act on this - contact CAB and trading standards in your area.
This will surely affect your mother's credit rating too.

Supermod

Going by the thread title of "Help - this could be your mother as well"...that would make you and I brothers, no?

think you need to talk to the CAB urgently and it might be worth reporting to the police if you think her identy has been missused

Original Poster

rosalie;8311996

have u tried speaking to a supervisor??if yes ask to speak to their … have u tried speaking to a supervisor??if yes ask to speak to their superior. if its gone to a different address (first orders are only supposed to go to account address) then they should be able to give you the address as they are saying its your mum who had it sent there. it sounds like they know that they have been fooled but are hoping they can force your mum into paying. the order that went to your mums addy? did she order it and accept it?



not accepted etc it was sent and a brown padded envolope shoved through the door

CleoTheCat;8312004

Get down to the local citizens advice in the morning and see if they can … Get down to the local citizens advice in the morning and see if they can help/advise.hth~CtC~



no easily possible as she works 50/hrs a week
have thought about this and thanks!

modoc;8312014

FFS I thought you were going to say her hubby moved out aswell !!!!



lol:p

pipsqueak;8312027

Get them to put something in writing speak to a manager and don't be … Get them to put something in writing speak to a manager and don't be fobbed off.Tell them you are instructing your solicitor to act on this - contact CAB and trading standards in your area.This will surely affect your mother's credit rating too.



they said no one avalible but going to be more forceful in the morning


the articles etc i am reading at the moment is about this consumer credit agreement so i am going to get them to send a copy of this

magicjay1986;8312036

Going by the thread title of "Help - this could be your mother as … Going by the thread title of "Help - this could be your mother as well"...that would make you and I brothers, no?


:w00t: lol

Original Poster

Benjiboo1;8312074

:w00t: lol



lol edited

Supermod

Benjiboo1;8312074

:w00t: lol



Anyway, back to the point!!

OP - Have they given you the details of the debt recovery company?

You could get a copy of your mums credit report from CreditExpert, it gives linked addresses on there.
Does anyone know if this would work?

Original Poster

magicjay1986;8312087

Anyway, back to the point!!OP - Have they given you the details of the … Anyway, back to the point!!OP - Have they given you the details of the debt recovery company?



they have given name and addy to NDR but my main standing point is that this is all they have!

dont have
middle name
telephone number
e-mail addy
date of birth
bank details
proof of delivery

when you phone them you get some dim-witted idiot who says its fine and … when you phone them you get some dim-witted idiot who says its fine and to ignore it



Get them to put this in writing. If they won't, it gives you an insight.

Your mum has been impersonated, I work in preventing fraud and this is a classic case where your mums details have been used to open a catalogue account, you need to speak with the fraud department of the catalogue company and explain to them that your mum hasn't taken the catalogue or the goods, they will probably have to speak with your mum initially then once you have dealt with them you will need to get a copy of her credit file from Equifax or Experian(online [url]www.experian.co.uk[/url] or [url]www.equifax.co.uk[/url]), you need to check no other credit has been applied for using her details. This may show a linked address/it may not depending on what address was use to actually apply for the Catalogue, this may not be the same as the delivery address for the goods. What should then happen is the catalogue company should remove the account from your mums credit file and cease chasing her for the outstanding debt. They should also then put what is called a protective marker on her credit file with CIFAS which will highlight throughout the finance industry that she has been impersonated, this wont affect her in anyway but will protect her identity. Alot to take in but any questions please ask

Sounds like it could be a fraud internally. ( i used to work for a large home shopping catalouge, and this sounds strangley familiar)

Original Poster

scent from above;8312226

Your mum has been impersonated, I work in preventing fraud and this is a … Your mum has been impersonated, I work in preventing fraud and this is a classic case where your mums details have been used to open a catalogue account, you need to speak with the fraud department of the catalogue company and explain to them that your mum hasn't taken the catalogue or the goods, they will probably have to speak with your mum initially then once you have dealt with them you will need to get a copy of her credit file from Equifax or Experian(online [url]www.experian.co.uk[/url] or [url]www.equifax.co.uk[/url]), you need to check no other credit has been applied for using her details. This may show a linked address/it may not depending on what address was use to actually apply for the Catalogue, this may not be the same as the delivery address for the goods. What should then happen is the catalogue company should remove the account from your mums credit file and cease chasing her for the outstanding debt. They should also then put what is called a protective marker on her credit file with CIFAS which will highlight throughout the finance industry that she has been impersonated, this wont affect her in anyway but will protect her identity. Alot to take in but any questions please ask



the bank placed this protection on her account the next day she spoke to them but choice just wont do anything. checked credit reports etc and nothing applied for

Is this possibly an old account your mum did have that has been taken over by a fraudster? Which is another common trick. If this account is in your mums name it should show on her credit file regardless of who opened it and when. If choice are not willing to sort it out, and I would try speaking with their fraud department tomorrow then if you still draw a blank advise them that you are going to take this to the Financial Services Authority/banking ombudsman and then write a letter to that effect, they then have to reply to you and if they still are not going to do anything with it then write to the Financial services authority/Banking ombudsman and they will review the case, i really doubt it will get this far though.

Original Poster

scent from above;8312406

Is this possibly an old account your mum did have that has been taken … Is this possibly an old account your mum did have that has been taken over by a fraudster? Which is another common trick. If this account is in your mums name it should show on her credit file regardless of who opened it and when. If choice are not willing to sort it out, and I would try speaking with their fraud department tomorrow then if you still draw a blank advise them that you are going to take this to the Financial Services Authority/banking ombudsman and then write a letter to that effect, they then have to reply to you and if they still are not going to do anything with it then write to the Financial services authority/Banking ombudsman and they will review the case, i really doubt it will get this far though.



not an old account (never doesn online shopping / credit last time was 2yrs ago for pc world it shows chice on he credit file but nothing elese i ment andd thank you.... do you know where to get any templates for these letters from??? thanks.

No template letters as each case if often the same but different if you get what I mean but would just keep the letter simple stating your mum has not got an account, nor did she received the goods and that if they do not confirm that it is fraud you will take it to the fsa ombudsman. It probably doesn't show on her credit file as Choice but under another company name, I would check the credit file to see what is reporting and if your mum doesnt recognise any of the credit reporting on the credit file then ring the company that reports it. normally a credit file will list all the contact details for any accounts that are running in your mums name, possibly at the end of the credit file. Please tell your mum not to worry, it happens such a lot and will get sorted just seems like you have had a bad deal with the person on the other end of the phone at the catalogue company.

Sounds like a scam.
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