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    • you need to realise that for every person that does come to CAG and register and tell their story...there are poss 10'000 that don't but search the interweb whereby threads that are here pop up relating to like issues they are searching upon.   Most CAG siteteam and many other registered Caggers give advice that bears this in mind and post information which not only informs the starter of a thread upon what to do, but also takes into consideration the readers from the interweb that also read the relevant advice given that might not be brave enough to register and fess up.   to that end, there is very little alternative than to appear to give 'grief' [you deserve it - tough] to a cagger should certain previous advice not have been followed.....yours is a very classic case of such. hey I've found a backdoor CCJ.   to put it bluntly, had you have followed such previous advice, you most certainly would not be in the situation you are in here now.. .so by example, not giving you grief, for future readers...………..   ...never ever move without informing a debt owner of a move of address on any consumer debt that you last used or paid within the last say 7yrs. your credit file is a major key to ascertaining that information.... .but don't just read this advice come to the consumeractiongroup.co.uk website and let us help.   lecture over... what can you do..or more importantly....what can a claimant do now they have a default forthwith judgement against you. well we can't guess.... they might simply ignore it as 1000's of people with CCJ's find out..but it becomes an issue should you wish to say get a mortgage, remortgage or further credit.   i'm not going to enter into any of that here...that's for the reader to start a thread here and seek advice on their individual situation specific to them as you have done....   so...  bearing the all of the above in mind...over to you with regard to this backdoor CCJ.   as for the other debts that you didn't action before...go read your old thread and action what appropriate advice is given there for each type of debt that has been given should you wish to avoid any further backdoor CCJ's.   dx                    
    • hello my very good helpful friend. I am afraid to say that i did not. As i did not realise the relevance of it.   Should i be doing this right now of anyone on my credit file ?   Plz don't give me grief if u have already advised me...   do i do the ccs request now to everybody in that thread ?    
    • aha busted and stupid ...no wonder you've got mixed information here. never trust anything they say ..they have a very bad reputation for stating the truth.   now can you go get your credit file please..   there are cases whereby a council on historic CTAX debts do go for a county court CCJ, but a liability order from a magistrates court has far more clout legally than a county court CCJ and i've never heard of a court sending a bailiff out for 'multiple' CCJ collection.   me thinks he is pulling the wool here a bit and has looked at your credit file and seen CCJ's too so thought he'd chance his arm and use those as further leverage.   don't worry about the sat visit simply ignore do not answer the door if he appears. your task is too gather data at present.   credit file please..        
    • Hi there, the company name on the bit of paper is:   Bristow & Sutor   Says the total amount £990.49 and this includes £235 enforement stage fees,  The CTAX was owed to North Tyneside Council. The guy also said that it wasn't just for CTAX. Other debts were combined.   I did leave other debts behind too when I moved. Perhaps a utility bill, credit card debts and a Provi doorstep loan.   I think the guy said that he would be back Saturday too. This is what I'm trying to avoid multiple visits. Don't want my mam to get upset.   Thanks for the help.   Bear
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hightail

What are the implications of identity theft for insurance fraud?

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My very elderly father sold his large house around six years ago and moved into sheltered housing/assisted living in the same village. 

I also live in that village. 

The buyers of his property still put mail for him through my door or hand it to our postie to do so. 

 

Recently we've had a spate of mail, addressed to my father at that old address from Hastings Direct. 

This has included various requests for information, a black box thingy and now demands for money for unpaid premiums. 

It's pretty obvious someone has taken out motor insurance in his name at his old address.

 

At every stage, after every letter, he has phoned the company and explained the situation but they do nothing. 

I know if we didn't live in a village with an old fashioned postie we wouldn't even know this was happening but we do and it worries me. 

 

We're up to the point where they're threatening DCAs which I know aren't a problem

but I'm damned if I'm going to see his credit file trashed because insurance companies don't care about such fraud. 

 

Where can we go to ensure Hastings Direct sort this out?

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is it on his credit file?

 

dx

 


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Posted (edited)

Not yet DX but as we can't seem to stop it progressing I have a fear that's where it's going to end up.  Hastings Direct seem to think it's amusing, they're very pleasant on the phone but the situation continues to escalate.

 

editing to add:  I don't know what further implications there may be and that worries me too.

Edited by hightail

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Perhaps your father sends a GDPR subject access request to Head of compliance/Data Protection officer at Hastings Insurance. Explains that he now lives in sheltered housing and it appears someone has tried taking out Insurance in his name using post that has gone to an old address.

 

Think your father has a right to see what data Hastings have processed, as it appears to be his data, even though he was not involved in any dealings with Hastings.

 

Given age of your father, sounds like the person taking out the Insurance has not given your fathers date of birth, as black boxes are mostly for young drivers. So only name and address may have been given. Which begs the question, as to why Hastings basic checks failed to realise there was an issue when policy was purchased.


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Spot on UB.  My father’s date of birth is the only thing which causes whoever he speaks to at Hastings to eventually believe what he’s telling them.  

 

Each time, each phone call leaves him believing it’s sorted - and then the next letter arrives.  

 

Unfortunately he gave his current address to them last time because they want their black box back and are sending a prepaid bag.  

 

It seemed a reasonable request to an old man but I have no faith they won’t just ‘update their records’.

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Posted (edited)

The SAR may reveal what age was stated for the driver, even if a precise date of birth wasn’t given. So much the better if they took a date of birth (or driver number, from which DofB can be derived).

 

Send them (in the pre-paid envelope):

a) a print out of this thread

b) a printed pic of a black box (since it is a bit like the black box they want back, but with a different source [address] to the one they sent out / and different date of birth)

 

Hopefully that will get the message across....

Edited by BazzaS

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Given that this driver who took out Insurance using false details may now be driving around without Insurance, perhaps Hastings should be making a Police report. 

 

This is on the basis that they may have given a correct number plate, but could not afford Insurance based on their true details.

 

Hastings may still be receiving data from the black box and if so the Police could be given this information. 

 

Suggest this to Hastings, when you write to them.


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Posted (edited)
1 hour ago, unclebulgaria67 said:

Hastings may still be receiving data from the black box and if so the Police could be given this information. 

The black box is sitting on my father's desk because it came to him by Royal Mail.  I presume insurance documents went by email to whoever took out the insurance in his name which is how they get away with doing this.

 

Edited by hightail

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1 hour ago, unclebulgaria67 said:

Given that this driver who took out Insurance using false details may now be driving around without Insurance, perhaps Hastings should be making a Police report. 

They don't seem to care one little bit.  I thought insurers were hot on fraud but it seems only when someone is making a false claim.

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its very common 

I've had it twice in the last 10yrs.

 

last time after repeated calls and webchat....I killed it by sending the CEO an email with scans of the docs etc.

and said if I heard from AA insurance again i'd sue them for harassment.

 

got £100 out of them. as a sorry.

 

dx

 

 

 

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PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

spreadsheets 

 

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