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Identity Theft Liabilities


uk_geezer
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Please excuse if this is in the wrong forum; I couldn't find one that was exactly right, but this one seemed the closest.

 

I received my new credit card toady as the old one was about to expire, and I rang them up to activate the card, whereupon a woman tried her hardest to sell me various add on packages, including one for identity theft.

 

She asked me what I knew about identity theft, to which I told her I'd seen it on TV and read about it in papers, where people go through your bins for paperwork, and open accounts/credit cards/loans in your name etc.

 

She told me that if that happened to me I would be financially liable, and should purchase the identity theft package that would give me access to free legal cover to "clear my name".

 

I declined her offer, but what I would like to know is:~

 

if someone IS the victim of identity theft, what financial liability (if any) is there on the VICTIM to pay for any loans/credit etc used by the FRAUDSTER?

 

Assuming the bank/lender is unable to identify/find the fraudster, should it not then be the bank/lender who is financially liable for irresponsible lending?

 

Has any VICTIM actually been successfully held liable by a bank/lender for the activities of a FRAUDSTER?

 

I wonder how many other people suffer from this over zealous sales pitch.

 

Thanks in advance for your response.

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Yes they have been held liable but insurance won't save you.

 

If you are unable to prove ID theft the insurance will be invalid & if you can then the lender will refund you anyway. The only thing the 'insurance' will be offering is to do the paperwork when submitting your claim

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