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Help! Indemnity Claim Fraud?!


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Hello everyone,

 

I could really do with some advice and help on this matter.

 

 

My current girlfriend has been having a nightmare of a time with her Ex-Boyfriend.

To cut a long story short they were together for 7 years, had a joint mortgage and a joint current account with Halifax.

Turns out the ex was a gambling addict, he stole money from her, opened credit cards using her information and financially abused her.

Eventually she left him. She moved back in with her parents 17 months ago, rang Halifax (her mortgage lender) and told them her new address which they updated on their systems.

 

Halifax refused to take her name off the joint account, even though she was clearly not using it (she has never used it).

Meanwhile her ex has been using it as his current account as he is not able to get any more lines of credit due to him defaulting on the mortgage payments.

My girlfriend never got statements from them for the mortgage and assumed he was still paying the mortgage (he was still living at their jointly owned property).

However, he hadnt been paying and it is now 14k in arrears.

 

 

When she found this out she rang halifax to discuss her options and they said "Tough tits, you have to pay the arrears".

My GF couldnt afford this, as the mortgage payments were £800.00 a month contractually, she couldnt afford this never mind extra to clear the arrears.

But they werent interested, they didnt ask her for an I and E form, they didnt give her any support or help or offer any solutions.

This is my first problem., the complete lack of empathy and support from the bank

 

The second problem we have only just found out about (my gf went back to her house they are trying to sell to clean it and found the letters from halifax)

is that her ex has been requesting indemnity claims on all the direct debits that have ever been paid from the account,

getting the refunds and then transferring the money into his own nationwide account.

 

 

I am fuming, Halifax have never sent my gf a statement to her parents house even though they have her address and she has requested them on numerous occaisions!

She had no idea this was going on.

 

 

Halifax even told her there was no way she could ever get her name taken off the account unless her ex went into the bank and signed for it which was never going to happen.

 

She has been into a branch today and made a complaint,

she was told she would have to pay off the £1700 overdraft if she wanted to be taken off the account.

Her parents have kindly paid it for her and they have closed down the current account.

 

I work for a bank myself and I am absolutely fuming with Halifax,

they have allowed her ex to commit fraud by falsely claiming these direct debits back,

surely somebody at that bank has failed to spot these suspicious transactions?!

He has claimed thousands of pounds worth of direct debits back from Sky, Abbey, Black horse, General and Legal etc etc etc.

 

The black horse one is the worst, as this wasnt even paid from the Halifax account it was paid from my gfs own nationwide current account

in full and he has somehow claimed this back into the halifax account.

It was for a sofa in my gf's name! It had nothing to do with him. He must have pretended to be her to be able to do this. I am furious. :-x:-x:-x:-x

 

What if anything can we do about this?

He has gained a financial advantage by dishonestly claiming the direct debits were not authorized,

surely Halifax should be taking this matter very seriously as their systems and personnel have failed to spot this and stop it.

I know that all bank employees have a legal responsibility to report suspicious transactions and failing to do so can lead to fines and sanctions by the regulator.

What if he was using these funds to commit criminal activity? or fund terrorist activities?

 

I also find it strange that after she has been into the bank and complained they have suddenly changed their tune

and agreed to close the account, is this an admittance of wrongdoing on their part?

 

I really need some support and guidance as I cannot believe my girlfriend should have to pay financially for all of his wrongdoing and deceit.

The money from black horse was £1700 and that was my girlfriends money, obviously they are going to want that back. He has literally stolen it from her!

 

sorry for the long post but i am at a loss with what our options are, after 10 years working in the banking industry i have never seen anything like this.

 

Edit: Oh FYI, her ex is a mortgage advisor for another high profile retail bank, and has lots of experience working for a retail bank,

he knows how their systems work, he knows what indemnity claims are and how they work, he knew exactly what he was doing. The little ******.

 

Thank you all so much.

Edited by nemr89
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have you involved actionfraud in all of this

that might well get the ball rolling?

 

 

 

 

 

 

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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No not yet, my gf is worried about getting the police involved because if he goes to prison she wont be able to pay the mortgage and her house will be reposessed. She can only pay half and he is paying the other half at the moment. The mortgage has already defaulted...

 

thanks for the reply. I am really trying to talk her into reporting it to the police as i cant let him get away with it

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The black horse one is the worst, as this wasnt even paid from the Halifax account it was paid from my gfs own nationwide current account

in full and he has somehow claimed this back into the halifax account.

 

I dont actually understand how that is possible unless I'm reading it wrong? Do you mean he called nationwide pretending to be her and got the refunds, then transferred them into the halifax account?

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