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    • Paragraph 18 – you are still talking about Boston stolen items. About time this was fixed??? Paragraph 19  In any event, the claimant's PS5 gaming device was correctly declared and correctly valued. The defendant accepted it for carriage and was even prepared to earn extra money by selling sell insurance in case of its loss or damage. New paragraph 20 – this the defendant routinely sells insurance in respect of "no compensation" items (a secondary contract contrary to section 72 CRA 2015) new paragraph above paragraph 20 – the defendant purports to limit its liability in respect of lost or damaged items. This is contrary to section 57 of the consumer rights act 2015. The defendant offers to extend their liability if their customer purchases an insurance cover for an extra sum of money. This insurance is a secondary contract calculated to exclude or limit their liability for the defendants contractual breaches and is contrary to section 72 of the consumer rights act 2015. New paragraph below paragraph 42 – the defendant merely relies on "standard industry practice" You haven't pointed to the place in your bundle of the Telegraph newspaper extract. You have to jiggle the paragraphs around. Even though I have suggested new paragraph numbers, the order I have suggested is on your existing version 5. You will have to work it out for your next version. Good luck!   Let's see version 6 Separately, would you be kind enough to send me an unredacted to me at our admin email address.
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    • As already mentioned freely available "credit scores" are fairly useless. All lenders have their own "credit scoring" system, that for obvious reasons they don't divulge. And they're "scored" differently to the freely available ones. As soon as they could, we've always encouraged our two children to use credit cards responsibly... Pay off in full, etc, to generate good history. It's paid off. At quite young ages, they have both obtained loans for cars, mortgage and their credit card limits are through the roof. Personally, I have shifted debt around a lot on credit cards (even financed a house purchase once at 0% 😉) and I've only ever been refused a credit card once, sorry twice by the same company, over many years. They must have something very different in their lending criteria. You're a tight one, Mr Branson.
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ID Theft - CRA reports


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This seemed like the best forum for this question, mods please move it if it should be somewhere else.

 

Fraudsters obtained access to a friend of mine's online bank accounts and stole a lot of money.

 

They did it by first stealing her mobile phone number.

They submitted a fake PAC request to my friend's mobile phone provider and managed to convince them they were her.

 

They then moved my friends mobile number to a different mobile provider, then managed to gain access to the online bank accounts and reset passwords.

 

The bank sent verification codes to my friend's mobile number to check the requests were genuine but of course the mobile number was by that time under the control of the fraudsters.

 

What I've learnt from all that is that PAC theft is a real weak link in online banking security unless mobile phone companies are as rigorour in ID verification for PAC requests as banks are. I don't think phone companies are.

 

that's just background.

After much time in meetings at the bank etc the bank has refunded all the money stolen without any quibbling and the phone company has apologised and offered (a small amount of) compensation and has closed down the stolen number.

 

My friend now has a brand new number and as added security has had her account with mobile phone co restricted to say that no PAC code can be issued unless she goes in person to one of their stores with appropriate ID.

 

I've advised her that she ought to check with the three Credit Reference Agencies to make sure the fraudsters didn't try to set up any fake accounts in her name during the time they were in control of her phone number.

 

To find out what credit searches have been done on her will it be sufficient to just to get the statutory report from the three CRAs? eg this one from Experian

 

https://www.experian.co.uk/consumer/statutory-report.html

 

She doesn't particularly want to pay for wider access to her CRA information - she isn't interested in knowing her credit score for example - if the statutory report will tell her what she needs. (They used to cost £2 didn't they? I see Experian's is free now under GDPR)

 

She's also changed her passwords on her email and every online site she uses. Anything else she should be doing?

 

I've told her the fraudsters probably harvested a lot of the information they used from what she's posted on social media so to be very careful about that.

Edited by dx100uk
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All cra are free now

Have you informed actionfraud

please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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Thread moved to Credit Reference Agencies Forum.

 

Its a little quiet in that forum.

 

Andy

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Hi Ethel...

 

Maybe this can help :)

 

https://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=69469

 

I have also first hand been affected by ID Theft.

 

What your friend experienced is something that is becoming a rapid trend in Fraud. They pretend to be the individual concerned and activate a SIM Card with the existing number.

First thing you hear of it is when your phone just goes dead and wont register with the SIM inside. Or in this case - They have ported it to a different network provider.

 

Good idea from your friend about setting up extra precautions. I would if I was them. Maybe also add a password - Most companies have that option for security.

Also think about a Notice Of Correction in future asking for a password to be used for new applications. Add it to all 3 agencies, but it will to a degree protect any fraudulent applications occurring as a human will then have to verify the application.

 

We could do with some help from you.

 

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I would also register with cifas. That way anyone trying to get goods or finance will have extra checks to go through.

 

 

https://www.cifas.org.uk/

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