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Identity fraud and payday loans


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I am about to have yet another frank exchange of views with a collection agency,

just wanted to see if I am missing anything and make sure I am on solid ground.

 

November 2010- two payday loan companies processed loan applications from someone using my wife's identity.

The first we heard of either of them was January 2011 when they issued default notices.

 

My wife called the fraud department at Lloyds and registered the fact.

 

By that time she had returned to Germany to undergo further treatment for extremely serious illness.

She has been out of the UK since then and has usually been too unwell for me to even let her know what is happening.

 

I wrote on her behalf, many times, to both companies and denied the liability absolutely and made it clear that I understand our legal position and the fragility of their claims from the outset.

 

Since then both loan companies have passed these claims on to collection agencies, most of whom back off when told that the claim is disputed.

 

Sometimes two or three agencies are acting at the same time.

 

In one case the loan company Pounds to Pocket, has passed a single claim on to different collection agencies under different company names.

 

These guys are by far the worst.

 

We can prove from bank statements that no money was received.

 

Unfortunately Lloyds are as useless as ever and when the companies have approached them they claim not to have a fraud report.

 

I am in the process of establishing lasting power of attorney so that the excellent person in Lloyds vulnerable clients unit can let me have the case number of the report (she found it easily).

 

This has also been reported to the police and we have a number for that report.

 

I was under the impression, but only because of a long silence, that Payday Express, the other loan company, had backed off

but they have now come back hard, claiming that Lloyds have reported to them that the money did go onto the account and how it was withdrawn.

This is false.

 

But of course if the loan company has false information I suppose they will get a false response.

 

One clear question, is it actually illegal for them to pass a disputed debt to an agency or just an example of bad practice?

 

Obviously it is not easy to get them to respond to me.

 

They get all proper on me and demand a letter of authorization.

 

How they expect to be able to verify such a letter is beyond me.

 

There is no agreement with them and even if there were their own deeply flawed identity verification procedures mean that they do not have a copy of my wife's signature.

 

The nature of my wife's illness means that she is frequently in clinical isolation and has no access to anything more than her mobile phone.

She is currently in a hospital in the US.

The illness also means that stress is physically harmful to her.

 

One German bank has already acknowledged a claim for victimization, and I go to court next week against another German court on the same issue.

The reason for mentioning this is that we have a large file of clinical evidence and the testimony of her doctors at the direct corelation between stress hormones and her condition.

 

 

My aim, of course, is simply to avoid this as much as possible.

 

There is so little I can do for her but I can do this.

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This makes for awful reading, and is indicative of the selfish inept uneducated attitudes of the financial institutes.

 

Whilst you are totally innocent of these accusations, you did what you believed to be correct and sent them correspondence refuting their allegations, to which they have simply read it as your guilty.

 

IMO, I would be getting straight onto my Local MP (are you resident in the UK?)

Secondly I would be making this as public as I possibly could, naming and shaming them in the media and the press, and if they have been placing adverse data on her credit file I would be informing them to remove this incorrect data immediately or face the consequences of going to court where you will be claiming damages for defamation.

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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Suggest that you obtain a letter from the helpful person at Lloyds vulnerable persons unit, detailing the situation that they are aware of. Something from the Police confirming the reported fraud would be helpful to.

 

You may then be able to ask for help from Trading Standards to contact the owners of these debts, with this information and they may have to put a marker on them, to stop them being passed on for debt collection.

 

The problem is that these debts are probably just continually bundled up with others and passed on with thousands of others, each time one company fails to collect on them. The only way to stop it, is to make sure the current owner of the debts stops doing this. The only way I can see this happening, is if Trading Standards get involved with the information suggested.

We could do with some help from you.

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it might be a better idea to drop it

 

theres nowt any dca can do to her

 

or

 

as with others that have suffered the like

 

there is a fraud org you can contact as you have a police incident number

have a look in the m t collect thread under the capital finance one forum

 

dont worry at all about any dca they have no teeth at all.

 

dx

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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Is it this DX??

http://www.actionfraud.org.uk/FRAUD-ALERT-identity-theft-in-your-area-sep10

 

Your welcome DX.

Edited by Bazooka Boo

Who ever heard of someone getting a job at the Jobcentre? The unemployed are sent there as penance for their sins, not to help them find work!

 

 

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cheers bb

 

dx

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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They are not supposed to do this, as I think it is against OFT debt guidelines to transfer while dispute is in progress. If the dispute reaches deadlock and it can go no further, but they believe the debt is correctly owed by the person, then they can pass for debt collection. If they were unable to do this, everybody would just dispute it continually, even if they owed the debt.

We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group

 

If you want advice on your thread please PM me a link to your thread

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Read the OFTs Debt Collection Guidance.

 

It sounds like there are big breaches that should be reported to your local Trading Standards. It sounds like they are the fault of the PDL company as opposed to the DCA.

 

I would be thinking about aksing the wife to send over some letters of authorisation. I think you will have this problem with any organisation when it comes to personal information.

 

If I remember correctly a couple of years ago a PDL had such a lax system that that there was massive dientitfy fraud. So I daresay they are all aware of the issues that might arise.

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