On the 21st of November quote me happy insurance sent me a letter saying the policy and been cancelled to inception date due to identity fraud which means the contract is deemed to have never existed please see the letter

I have no idea but I informed the insurance company on the 21st November 2019 The ombudsman has seen all this documentation I gave the crime reference numbers action fraud numbers all the letters I received the different insurance companies What my concern is that hes had a claim ont he policy and they've happily registered the claim paid out but not once spoke to me and then there's been a policy investigation done a letter was sent to me apparently and I sent the documents in From my credit report clearly he has my ID for him to take loans out and do insurance searches they've not received any of the information via my email so how can they assume I've given him that information

I have no idea what happens to be honest I believe if I accept then it legally binds me to Aviva if I reject im back to square 1.. it was originally given to an investigator who said Aviva had followed procedures and it was a domestic issue so I asked for it to be escalated to someone higher So this decision has come from someone higher I guess I requested my statutory credit report last week received the passkey yesterday when I downloaded the report there are further loans that have been taken out but are settled from 2015-2018 and 8-10 searches with insurance companies on the 7th April hes also then gone onto to take a credit card with new day cards Ltd on my husbands name this has also come up on the search I've never received any letters from these companies either the lady at experian said even if they are settled the person whose done the fraud has managed the accounts well so the ombudsmans decision kind of falls flat on its face as I've got no awareness of these companies that have come up on my report

Point 2- I only received the default letters Point 3- I sent dvla proof of the fraud for them to put markersbon my account He reversed the transactions out of spite as I received a letter from more than insurance re a policy being cancelled another policy u wasn't aware of they told me a new policy was set up with quote me happy who I spoke to and they cancelled the policy to inception and kept the money he had paid and placed him on the fraud database Interestingly enough I've just received my statutory credit report from experian and there seems to be further loans and attempts for car insurance quotations have been made on 8-10 companies but luckily I am cifas registered @Honey Bee I have looked over the SAR but haven't sat down to actually write it up Interestingly enough I've just received my statutory credit report passkey today I have just downloaded the report and there's more loans and insurance quotations that have been taken out on the 7th April 21 but im registered with cifas Do I ring experian up to tell them about this information what would you suggest

The default letters chasing payment from myself as they said Aviva had suspended all action until the ombudsmans decision My brother did a quote online he put me down as married and himself as single he then rung them up to set the policy up claiming to be my husband did alarm bells not ring to them based on the information he had entered on the quote ? Also the ombudsman has said they have no legal obligation to take money back from him as the contract is between me and aviva ..how is that possible when I havent signed anything haven't spoken to them a claim happened on the policy plus a policy investigation but never spoke to myself Also he had full control of the policies so these letters they claimed they sent to me is there a chance they were system generated and went to the online portal as what proof have they got they sent these out physically as I started receiving the physical letters once the policy was cancelled and portal locked @unclebulgaria67 when I received the default notices I got onto them straight away so my understanding is that the account isn't in default as I didn't ignore their letters and may I also add these letters were system generated giving me a date of 2019 to contact them regarding the default My credit reports are all showing nothing regarding the defaults Aviva aren't sure themselves if I ended up paying if it would affect my credit report they just said that there's a potential it would Could you please clarify how defaults work and if it was on my credit report how I would get it removed

Thank you for the guidance its very appreciated Can aviva once I reject the decision start sending me letters asking for payment or start court proceedings whisks I'm waiting for the SAR

Where can I get a template or the DSAR form please

would you mind helping me draft a letter please to send as you're very knowledgeable I'm literally crumbling I have no idea where to begin with this other than request data

This is what I said to Aviva when I first started getting default notices why the refund wasn't challenged with the bank insurance was given and they had scope to believe this was a fraudulent transaction as I had told them prior to the refunds that it was but they happily reversed the money They claimed the bank had more power and this couldn't be challenged I disagreed with this I asked them if they could ask him to provide proof of alternative insurance cover for that period as I had proof myself that I had insurance cover in place . I have no idea which cars we're insured any registration numbers i wouldn't even be able to confirm any of the car registrations they insured during that period other than the last car as my brother gave me the registration number He has admitted to reversing the transactionsto extended family members and wouldn't pay the money back to aviva but was happy to give the 3k to a 3rd party ie family member in cash for me to pay it back so nothing came back on him he refused to email ring or converse with aviva to pay back Now hes gone back on that too so I'm left to pay as per ombudsmans decision im left with the liability I provided all crime numbers action fraud details cifas registration dvla letters other insurance letters to prove that hes continued to use my details without my permission also showed them I have no financial connection to him Is there anyway anyone can draft me a letter in this group based on the info that you all know that could be strongly worded for me to have the premiums written off please im just so scared and clueless as to how I can tackle this and I'm scared Aviva will take me to court I'm out of work I can't afford to pay this amount and they've clearly set up a policy by taking his word for it without speaking to me at any point through the duration of the policy for 3yrs

Yes they said they couldn't challenge the bank so happily reversed the premiums he did small amounts first and then reversed the whole duration of policy premiums premiums 3yrs back

Were going through a family dispute regarding my father's inheritance so out of spite he reversed the premiums from 2015-2018 as I discovered another insurance policy he took out with quote me happy but they were able to withhold his money and put him.on the insurance fraud database he admitted to making the payments admitted to the policy being his sent screenshots of payments he had made originally but aviva are saying anyone can make payments on behalf of anyone ie mother paying her sons policy etc What is a DSAR?

I have no details of the claim the chargebacks have gone back to the sibling I went to action fraud cifas dvla and the police but apart from notice of corrections having markers placed on my dvla record nothing else was done

Will that be sufficient? Or do I reject the ombudsmans decision and then see what aviva do ? Can aviva take me to court ?

The policy was cancelled in 2018 so how my sibling managed to reverse charge backs from policies running from 2015-2018 is beyond me they happily refunded him. I havent signed anything they are claiming that they don't need to speak to the spouse or verify identity but nowadays every company you speak to they ask for authorisation from the policy holder before they proceed further, and they are saying im liable have you read the ombudsmans decision

That's what it feels like but how do I go about getting out of this mess as I'm not admitting any liability/responsibility they're using the excuse of the letters but hes had a claim on the policy a policy investigation hes taken the money back and when I approached him he said he'd paid its an error on avivas behalf I had informed aviva that this policy was fraudulent he did the charge backs after I informed them and they happily returned the money to him and are now saying they can't chase him for the money as they can't legally take the money from him ive received no benefit of the insurance

Thank you Aviva can't even reassure me that if I pay the debt off for arguments sake for the amount of stress it's caused whether a default will be registered they have just said to me there maybe a potential for it to hit my credit report If I reject am I right in thinking its not legally binding for me and Aviva? They have listened to all calls and im in none of the calls in the 3yrs of the policy not once have they spoken to me or tried to verify my identity

At no point was I involved in the policy investigation apparently a letter was sent out to me which I never received but they are going by the fact he had a copy of my driving licence which he could have had from when the loan was taken out as the dealer and him dealt with the application whilst I saw to my toddler this loan was investigated last March 2020 and was abandoned by Barclays as it was mis sold as the sibling stopped making payments dec 2019 Hes given a bank statement which all i can think is the loan statement and a copy of the V5 certificates which he could have had postal address of my father's address The ombudsman has all this information aviva at no point have spoken to me or verified my identity or had anything to do with me I have no idea what this policy investigation relates to how much was paid out I have no details Hope this helps answer your questions

Sorry what do you mean by inserting blank lines ? Space the response out ?

He took a car out on a loan with my name so I was the registered keeper , he sold that car without my knowledge but continued to make the loan payment he was then using my details to transfer the V5 electronically online from car to car and had me down as registered keeper for his cars but he was using my dads address for the V5 . he continued to use my details this has all surfaced once I reported this to the police his latest insurance was nov 2019 with quote me happy who are purely run online , they placed him on the insurance fraud database I registered myself with CIFAS and had markers put on my dvla record..I received letters from Jan 2020 nothing before that as im assuming letters were sent into his online portal or some other location They never spoke to me regarding the policy investigation theyre assuming the forms of information they requested I gave them to my sibling when in fact I didn't I dont know the amount or anything the policy investigation only cane to light through the ombudsmans complaint Due to the stress its caused I was thinking to pay it but I'm more concerned of getting a default as not only am I lumbered with his debt but also a default

fos decision fos decision.pdf

I dont actually have much other than the ombudsmans decision ill put that up to give you an idea

Not showing yet first default noticed I received jan 2020 and they said they had suspended all action on the basis of the ombudsmans decision

The policy was cancelled, somehow he's reversed all his direct debits back and they've happily given him the money back even though I've said it was a fraudulent policy They are now wanting the money from me and are classing it as a domestic and saying I should take it to small claims court but I'm liable ive signed nothing, its just my name on the policy he's used but it will affect my credit check and they could take me to court im assuming

He has done an online quote and then rung them up to set a policy up they asked to speak to me but he said he was my husband and had authorisation. the police were involved and they said that its down to the insurance to investigate so I took it to the ombudsman, I had no knowledge of the policy they are holding me liable on the basis of the policy investigation and they claim 12 letters were posted out to me, I only received the default notices as the online portal was locked and I was onto them straightaway had I received or known earlier I would have contacted them too, i dont see why I should be paying the insurance when its got nothing to do with me and I've received no benefit from it

I have had the complaint directed to the ombudsman who has not upheld my complaint, Aviva have set a policy up in my name whereby my brother claimed he was my husband, he's made payments all his details, just used my name and address and made me main policy holder, I've not spoken to Aviva at any point they've happily set the policy up, he's reversed all the premiums and now they're holding me liable as its their procedure that anyone can set a policy up, anyone can make payment and anyone's email address can be used, my identity hasn't been verified, a policy investigation was done whereby my sibling has submitted the documents, he's stolen some of my ID and was dealing with V5 certificates online, I never received these but I'm not sure if he's set up a PO box to receive my post, I have no idea the whole policy was controlled by him, the ombudsman has clarified this but regardless has not upheld the complaint and doesn't feel Aviva have done anything wrong , how does this protect me as a consumer this opens anyone up to anybody taking insurance without their knowledge Is there anything I can do or is that it, whatever the financial ombudsman has said goes? Not only will I have to pay his liability I might also end up with default. the ombudsman has given me till the 11th May to accept or reject her decision . What happens if I reject it as I don't agree with her decision Any direction will be much appreciated