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i suffered fraud in a big way - now tryingto undo the damage - help


babaginda
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Hello all,

 

To cut a long story short

 

back in 2011 I entered a competition that ended up being false

and a way of the organisers to take my details and hack into my account - set up loans etc in my name

 

It has taken until last week to get anywhere and despite much stress

and banging my head against a brick wall I have finally done this

 

The bank concerned initially refused my claim that it had happened

as they said that my other half had access to the online banking

so could not rule out it was her.

 

I had money leave the account from both the hackers themselves

and from payments for payday loans and other loans that I had not set up

 

It has come to a head as now after reporting to Action Fraud in December

they have traced it to a known fraud that they are aware of

and are currently in the process of doing charter applications in relation to this.

 

As a result of this the bank has agreed to returning the money taken from the account

- about £30,000 and we are in discussions regarding compensation

 

Now here is where the issue is,

 

I have a number of people that I now owe money to

- some because I was unable to pay them due to this happening

- some additional since then ( money off people I know )

and a third which is the ones that have been set up by the people who hacked it

 

Now this was all going fine and I have put in a request for my credit file

to see if I have got anymore that I am unaware of that have come on since

- I am hoping not

 

The issue I am having is

that I am not able to pay off the debts that are legitimate to me

but two of the payday loan companies are currently refusing to play ball

and accept I did not set it up

- I have asked for it to be wiped and any payments made refunded.

One of the companies has started court proceedings for which I have the 28 days to argue it.

 

So my questions are these

 

1- Do I pay off the debts I have currently

or do I wait until the Payday loan companies have stopped any action?

I do not want to pay everyone off only to find I then get a big court award that I cannot pay

 

2- Am I able to rectify my credit file now and state on there that this was not through fault of myself

and how do I go about doing this

 

3- Is there any letters I should be writing to the creditors to allow me the time to sort through everything

so I can then start paying people/ compaines off

 

4- Am I able to claim back any charges I have had from legitimate debts that I have been unable to pay due to what happened

 

Many thanks very much appreciated

 

Tom

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Hello Tom,

 

Quite a mess,

 

can you please say which company or companies are still chasing the fraudulent debts?

 

To rectify the credit reference files:

1 place notices of dispute on all adverse entries on all the CRAs showing the data.

 

You will then have to write to the data controller of each company that has registered adverse data on the credit files

and again explain (with evidence if possible) exactly what has happened and ask for the entries to be amended.

 

This may be a long term process.

 

I have seen a similar fraud case which was brought to a satisfactory conclusion

including have all the charges removed, but as said it will not be quick or easy to achieve.

 

You will receive excellent on these forums.

 

Write to ALL the creditors 'new and old' and explain the circumstances,

inform them of the fraud and crime number if you have one.

 

Also send copies of letters confirming what has happened.

Any Letters I Draft are N0T approved by CAG and no personal liability is accepted.

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  • 8 months later...

Exactly, it happened to me and now strangling really but have written to both creditors and one bank ( Barclays ) though written off but still showing as default. I defiantly need more help guys since been out of UK since 2006 came back in 2012 but this has affected my credit file.

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Hi there

So people can help you please start yoru own thread and tell the story so people can give you targeted advice

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The SabreSheep, All information is offered on good faith and based on mine and others experiences. I am not a qualified legal professional and you should always seek legal advice if you are unsure of your position.

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  • 4 years later...
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