Right. I'll put FOS on hold for now. Natwest said 28 days. Hopefully ,they will realise their obvious error. My Auntie is worried about interest the loans may have built up, but I've told her not to worry.

Natwest have started a full investigation, but stated that they think they have just been used a Mules, so may not be responsible (I don't really know what they mean by that). All 4 Loan Companies, have put the accounts on hold until Natwest have finished their investigation. Letters to FOS should be done this week.

Got an appointment with Natwest tomorrow. I will keep you updated afterwards. He opened a Chase account in her name to transfer all the money. The statements show that it's gone to a business (Xshop Ou xc02 68037526 gbp). Also, new reply from Action Fraud. I am sorry to hear you have been a victim of crime. Thank you for taking the time to report to Action Fraud. Your report has been sent to the National Fraud Intelligence Bureau (NFIB) for review. Experts at the NFIB will examine the information you provide. Where possible, the information is also matched against other available data in order to enrich and corroborate the details of the fraud. An assessment will be made as to whether there are viable lines of enquiry that would enable a law enforcement body, such as the police service, to investigate. The NFIB aim to provide you with an update on your report within 28 days. Please be assured that by contacting us you are giving the police vital information they need to protect you and others. The information you have provided may be used to disrupt criminal activity and inform prevention advice and campaigns. You should keep safe any evidence which you feel may be important. We continuously assess the content of individual and linked crime reports, if you set up an online account, you can use this to add additional information. That's bit better I suppose.

Thanks DX. and JK. As Natwest were trying to pass the buck, she ended up putting the phone down on them (not very clever I know). I've told her to make an appointment with them, and I will go with her.

That's great, but I can't see how any of the companies involved will take it seriously if Action Fraud can't even acknowledge a crime has been committed. According to Action Fraud, taking loans of £70k out in somebody else's name is not a crime. Go figure

I need Action Fraud to say that a crime has been committed. Then we can contact all the other companies involved. If Action Fraud say no crime has been committed, then I can't see anybody else listening. It's clearly a Crime, and I need them to acknowledge that. I think I will ring them instead.

I have contacted Action Fraud on her behalf through their website, and they have sent me the exact same reply. They are not treating it as a crime. The letter states that it can only be classed as a crime if her details have been used to obtain CREDIT. Is 4 loans totalling £70k not CREDIT? I put all the details of the loans in my report to them, yet they still come back with this pathetic reply. Fuming is not the word.

Thanks jk2054. The Software she downloaded was Anydesk (it's what most Scammers use nowadays). She had no loans from Natwest, just the 4 I mentioned. 2 for £20k and 2 for £15k. Her Bank account must have been getting monitored all the time because all the loans paid into her account and then transferred out were over 2 days. The Police and Natwest told her to get in touch with Action Fraud, and this is the letter they replied with. You recently made a report which we recorded under xxxxxxxxx Home Office Counting Rules set out the circumstances under which we can record a crime and on this occasion the matter you reported to us cannot be classified as a police recorded crime. Home Office Counting Rules for Fraud and Cyber Dependent Crime can be found online at https://www.gov.uk/government/publications/counting-rules-for-recorded-crime. You have indicated within your report that the misuse of your personal details or that of a company trading style played a part in the matter you are reporting. The use of another person’s identity, often referred to as identity theft, is not a police recordable crime. Where the details are used to obtain goods or services, we can only record a crime on behalf of the person or organisation which was defrauded as a result of the misuse of an identity. An example of a situation in which we could record a crime would be where details were used to obtain credit, the use of which left the provider of credit with a financial loss. In these circumstances we would record a crime for the provider of the credit and look to establish if there was scope for the matter to be investigated. Whilst the misuse of your identity cannot be classified as a police recorded crime, we do recognise that identity theft can cause significant distress and inconvenience. For advice and support, please see www.actionfraud.police.uk/fraud_protection/identity_fraud. What happens next? Whilst we have not recorded this matter as a crime, we will still make use of the information you have provided. Information reports are utilised to enrich the overall intelligence picture which assists with the formulation and refinement of prevention strategies. If you have any queries regarding this letter please visit www.actionfraud.police.uk/FAQ. If you would like more information on how to protect yourself from fraud and cyber crime, please see the guidance at www.actionfraud.police.uk/support_for_you. You can also register on our partner website www.actionfraudalert.co.uk to receive email alerts about new and emerging crime types. Thank you again for taking the time to report this matter. All transfers to the Scammers account were sent to a Chase account in the amounts of £20k x 3 and 1 x £10k. Someone from the same company Welcome to NuxTrade NUXTRADE.COM NuxTrade is the platform of choice for the modern trader. NuxTrade is where trading crypto, currency, and more, feels good to everybody. It’s that well done. actually tried ringing her 3 days ago, trying the same scam. She thinks it may have even been the same bloke. I'm confused about the Action Fraud reply because her details have obviously been used to obtain credit. She's very confused with all this and it's hard getting info regarding phone calls made by her. It seems to me that Action Fraud are not aware that her details have been used to obtain credit. I'm wondering if I can ring them on her behalf using the reference number they gave me.

She told Natwest what had happened, but I'm not sure about a final response letter until tomorrow. Up to now, as far as I am aware, they just told her to contact Action Fraud, who don't seem to want to help at all. He applied for the loans without her knowing a thing about any of them. But he could do this because he had full control of her mobile phone, and she didn't realise. All Loans were taken out around June. I will get dates as soon as possible. I know they will be important in the long run, but just for now I need to find out, and hopefully reassure her there is something that can be done. She's devastated to say the least. Thanks for your reply.

I hope this is in the right place. My Auntie is 74 years old and is recovering from major surgery. Although she is not stupid, she has done a stupid thing. She received a phone call (mobile) from a nice sounding chap who was trying to get her to buy Bitcoin guaranteeing a profit. He phoned every day and gained her trust. She eventually parted with £250, but within 2 days he rang her back and told her that her investment had more than doubled. He got her to download Anydesk to her phone, and he took it from there. He put £650 in her account and she was really happy. He persuaded her to reinvest, but to leave the money in the account and he will do the rest. To cut a long story short, he has taken out 4 large separate loans in her name from sainsbury's, mbna, zopa and nuvuna totalling £70,000. The minute the funds for the loans were in her account he transferred them out to somewhere else. She now stands to lose her house because of it. She banks with Natwest, but they are not interested at the moment. She also contacted Action Fraud and the Police and they say they can't help. Is there anything else she can do? She lives alone, and after surgery had to rehome her beloved pet, so she was in a very vulnerable situation. I can't believe she fell for this, but I promised her I would help as best I can, and the people on here have been a massive help in the past. Thank You.

I have no idea how long he's been paying for it just yet. They won't release that information to me. They won't cancel it either. He's been on a Tesco Mobile contract for a number of years now, and that is the only one he uses. He's only been diagnosed with Dementia and Alzheimer's about 8 months ago, but his memory has been bad for a number of years. Superdrug want Account Number etc, but I can't find that information.

Hi all. I'm helping a family member who has been diagnosed with Dementia and Alzheimer's. Going through his Bank Statements, he's been paying £20 a month to Superdrug Mobile even though he hasn't used them. he's been paying it for a long time. They must have seen him coming and sold him the deal in store. I'm trying to get them to refund him something to no avail. Does he stand a chance legally? He's 82 and can't even remember doing it. As far as I can tell, it is a SIM only contract that could have been cancelled at anytime.

I've recommended she seeks legal advice, but she's scared of upsetting anyone. What makes things worse is that even though she was in Financial Trouble 12 years ago, she never fell behind on her own Mortgage Payments. That original Mortgage would have been finished last year, and the house would be hers. Her Daughter is saying she should have been paying £400 plus per month rent when she got the Mortgage to buy the house from her. Disgusting behaviour. My friend doesn't want everything go topsy turvy, and seems like she's about to give up and just let it happen.

Thanks all for replying. It seems her daughter has offered to sell the house with a 'Sitting Tenant' as part of the deal. This is only guaranteed for 12 Months though. She has been paying £250 a month Mortgage, and she will pay the same in rent for 12 Months. It is then when the new owners can either bump up the rent, or ask her to leave. 12 Months isn't a long time so I can see why she is upset. As far as she knows, the Land Registry is still in her name, so basically her daughter has only used her name to obtain a Mortgage.

Thank you.

It's an awful situation. Her Daughter was accepted for a high paying job in the NHS after graduating overseas. She moved back a week before her start date but suffered a massive Brain Haemorrhage 2 days before she was meant to start work. She was hospitalised for a long time which ruined her career, which was the start of her facing Financial Hardship. This was a terrible thing for her to go through (I know), but her Mum was there every step of the way. She took over the looking after of her Grandson (which she was happy to do, so her Son In Law could go to work). He himself has just been diagnosed as Autistic, and he works as a Teacher. My friends Grandson is now 6 years old. It seems the after affects of the Brain Haemorrhage have changed her Daughters personality a lot. She has had clots removed (open Brain Surgery) recently, and I suppose she will never be the same. A solicitor would give my friend advice, but she cannot afford one. She only gets her State Pension. It's very hard for all involved I know, but I think my friend is getting the worse of it. Much worse.

If this is in the wrong place, can a Mod please move it for me. Thank you. I was crushed to hear from a friend what her Daughter and Son in Law are doing to her. She bought a house 30 years ago, and was paying her Mortgage without fail. 12 years ago she fell into Financial Difficulties, and was struggling with debt, so she told her Daughter. Her Daughter couldn't get any money at the time, and needed money herself as she wanted to get married, and was doing a degree overseas. To cut a long story short, her Daughter applied (and got) a Mortgage to buy the house off her Mum. It was at a reduced rate so the Mortgage Payments were only £250 a month, which my friend has paid without fail for the last 12 years. Now, her daughter has hit hard times herself and has decided to sell the house. She is not behind on the Mortgage, because my friend has not missed any payments on that. Basically, all she has done is put her name on a Mortgage that she has not had to pay a penny towards, and is now selling her Mum's house leaving her Homeless. Can she do this? I know that Legally the house his hers, but surely if her Mum can prove she has paid all the Mortgage Payments they can stop the sale. Her Daughter will just pay off the rest of the Mortgage, and then be quids in with the rest. My friend has only stopped crying enough to tell me that her Daughter has said that if she tries to intervene in the sale, she cannot see her Grandson (whom she adores, and has done a lot of looking after him) anymore. Please. If anybody knows any solutions?

No. Nothing like that. I would presume if there was a debt, they would have already deducted it. I've never been in a position like this before. Do I go to them and ask them to re-issue the cheque in my name?, or go to the Bank my Dad always used, and see if they can help?

Hi. I hope this is in the right place. I helped my Father with his PPI Claims and he received a couple of nice refunds. Hadn't heard from other institutions, so I thought that was it. Unfortunately, my Father recently passed away and I am dealing with his affairs. There was no will, but I am the only child, and there is no spouse. I have the letter that gives me permission to do what I want with any assets including his house. A couple of days ago, another letter came addressed to my Father from Lloyds TSB with regards to his claim for PPi. His claim was successful and there was a cheque in another letter for a fair amount. Obviously It's AC Payee Only and I have closed all my Fathers accounts after he passed away. I don't want to go to the TSB in case they say because he is dead they want the money back. I could do with the money as his Funeral cost me a lot more than I thought. Can anyone give me any guidance as to what I can do? Thanks in advance.

Hi all. I bought a Seagate External Hard Drive for my son and it has been working fine for over a year. For some reason now, it only shows up in Device Manager for about 30 seconds then disappears. It doesn't show in My PC at all. Whilst it is showing in Device Manager, it says it is working properly. If I send it back to Seagate, they want £700 to retrieve the data on it which I cannot afford. I have a couple of Driver Updates programs on my Laptop, but it doesn't stay connected for long enough. Tried it in another Laptop that wasn't Windows 10 (as there is some online suggestions that that may be the problem), and it did stay connected, but any attempt to update the driver failed. Any ideas?

A friend of mine just phoned me to say he had purchased Microsoft Home and Business Suite for £210 from PC World. After installing it, he put in the Registration Key but there was a problem. A moment later his phone rang. Low and behold, it was a Microsoft person informing him that he was having troubles which he already knew. He then persuaded my friend to give him remote access to sort out various problems he said was wrong with his Laptop. He said his IP Address had been compromised, and someone was using it to watch 18+ material. He never uses his Laptop for this type of stuff, but agreed with Mr Microsoft that he could fix all problems. This included securing his Internet, removing any unwanted stuff etc etc. He never mentioned any price, but my friend was willing to pay anyway. He was watching the Engineer busy away on his Laptop remotely, but thought it was quite odd when he was logging in to his Paypal account. My friend paid for whatever Software was needed and thought that was it. . My friend thought it was quite weird that after paying for stuff via Paypal, Mr Microsoft went into my friends emails and deleted all emails from Paypal from Inbox and Trash. Remote Access was stopped (he thought). he decided to go into Paypal and change his Password so Mr Microsoft couldn't take anymore money, when he logged in, Mr Microsoft was paying himself $199 for his own time. Fortunately, Paypal flagged up unusual activity and refused the last payment. The bloke says he's ringing back tomorrow to sort any other problems. Advice please.

They took 50 of them upstairs, then narrowed it down to 21, then he filled in a questionnaire He then got took into the Courtroom and was asked if he recognised any of the offenders.. They then narrowed it down to 12 (he is one of them), and 2 on standby.

Thank you for your quick reply. I think we are worried a bit more because he has only been there for 10 months, therefore does not have a full contract. They are fine with him having Jury Duty, but I don't think for a minute they thought the trial can last for over 6 weeks.

Just a bit of advice please. My son started Jury Duty today, and has been placed on a Case that is going to last 6 weeks plus. He's worried about his normal job because he has only been working there for 10 Months. Although it's full time, he is employed through an agency. Can somebody let me know where he stands job wise. Hope this is in the right place. Thanks in advance. SOD'EM

Thank you all for replying. He is Palliative care now, and has been since he was admitted. He can't communicate. or move and really has only hours left (mind you, they said that on Fathers Day and he's still hanging on). But I have been assured that he will not regain consciousness, and will never again be able to express to me his wishes. However, I know where he wants to be buried (he bought a plot for his first wife who unfortunately died when she was 28), and will make sure that happens. I just haven't got a clue what to do then. As I said, I can't really see any of his other children ever appearing. And if that's the case, can I do what I want with the house? Also, without a will etc. How will anybody question anything if no other children appear?