False Loan Application
04 June 2005, 04:45 PM
#1
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False Loan Application
I have just recieved in the post an approval for a Loan I did not apply for. All my details are correct bar the phone number which is an Estate Agents fax number 15miles away!. The Employment details are all completely false as no such company exists!.
I phoned up the the Loan company who have stopped the loan, the seemed very helpfull. They asked me for my bank details they did not match the ones on the application but they would not tell me what they where.
The Loan company are telling me that they think somebody has tried using my details to get a loan paid into their account. They are sending me a letter co confirm that the loan will not be going out and has now been stopped. Also they have put a password on my credit rating to stop any body else trying to use it other than me.
I am still concerned as they asked if we had any credit cards stolen or bills that we did not recieve etc.
Do I contact the police?
Any body any advice?
Cheers Andy
I phoned up the the Loan company who have stopped the loan, the seemed very helpfull. They asked me for my bank details they did not match the ones on the application but they would not tell me what they where.
The Loan company are telling me that they think somebody has tried using my details to get a loan paid into their account. They are sending me a letter co confirm that the loan will not be going out and has now been stopped. Also they have put a password on my credit rating to stop any body else trying to use it other than me.
I am still concerned as they asked if we had any credit cards stolen or bills that we did not recieve etc.
Do I contact the police?
Any body any advice?
Cheers Andy
04 June 2005, 05:11 PM
#2
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I would, they would be able to trace the owner of the other bank account, if they can be bothered. Also, at least your covered if the same peolpe have tried to get loans from other companies.
04 June 2005, 06:22 PM
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Yeah, contact the old bill who will most likely do......sweet FA, IME.
Check your credit rating and you will see how many companies have done a credit check on you. That will give you an idea if this is a one off or someone has used your identity for more.
Check your credit rating and you will see how many companies have done a credit check on you. That will give you an idea if this is a one off or someone has used your identity for more.
04 June 2005, 09:39 PM
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Originally Posted by gsm1
Yeah, contact the old bill who will most likely do......sweet FA, IME.
Check your credit rating and you will see how many companies have done a credit check on you. That will give you an idea if this is a one off or someone has used your identity for more.
Check your credit rating and you will see how many companies have done a credit check on you. That will give you an idea if this is a one off or someone has used your identity for more.
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04 June 2005, 09:42 PM
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Originally Posted by Andy S.
How do you check your credit rating?
The two major companies are http://www.experian.co.uk/consumer/index.html and https://www.econsumer.equifax.co.uk/...=gb_cps_detail
Steve
04 June 2005, 10:25 PM
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Originally Posted by Andy S.
I phoned up the the Loan company.......... They asked me for my bank details.....
Hang on, this is not the real scam is it. Some pondlife sends you a cobbled together letter and obtains over the phone all you private details just to "check" with the non-existent fake set they have
04 June 2005, 10:32 PM
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Originally Posted by Boost II
Hang on, this is not the real scam is it. Some pondlife sends you a cobbled together letter and obtains over the phone all you private details just to "check" with the non-existent fake set they have
04 June 2005, 10:41 PM
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Originally Posted by Boost II
Hang on, this is not the real scam is it. Some pondlife sends you a cobbled together letter and obtains over the phone all you private details just to "check" with the non-existent fake set they have
It was a bit more than a cobbled together letter it was a proper letter from a high street PLC.
Cheers for the concern though
All the credit checks are posted by mail within 7 working days!
04 June 2005, 10:43 PM
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Originally Posted by bzz
Also, consider buying a shredder....... identity theft is NO laughing matter!! Could cost you a lot more than you might think.....
04 June 2005, 11:28 PM
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Originally Posted by Andy S.
Did not give bank details! But they confirmed that it was not the same bank as mine!
It was a bit more than a cobbled together letter it was a proper letter from a high street PLC.
Cheers for the concern though
All the credit checks are posted by mail within 7 working days!
It was a bit more than a cobbled together letter it was a proper letter from a high street PLC.
Cheers for the concern though
All the credit checks are posted by mail within 7 working days!
..... but worth a quick double check it is not just headed notepaper made up with a logo off a website and the address of your nearest branch with a dodgy phone number to call dropped on.
04 June 2005, 11:28 PM
#17
Hi guys,
check out www.creditexpert.co.uk - you can get your credit report instantly. You pay for the service but there's a free 30 day trial. It's run by Experian and I've used it in the past to monitor my rating.
hope it helps,
Jai
check out www.creditexpert.co.uk - you can get your credit report instantly. You pay for the service but there's a free 30 day trial. It's run by Experian and I've used it in the past to monitor my rating.
hope it helps,
Jai
04 June 2005, 11:46 PM
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Originally Posted by impreza_sports_nutter
Hi guys,
check out www.creditexpert.co.uk - you can get your credit report instantly. You pay for the service but there's a free 30 day trial. It's run by Experian and I've used it in the past to monitor my rating.
hope it helps,
Jai
check out www.creditexpert.co.uk - you can get your credit report instantly. You pay for the service but there's a free 30 day trial. It's run by Experian and I've used it in the past to monitor my rating.
hope it helps,
Jai
04 June 2005, 11:48 PM
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Originally Posted by Boost II
Sounds like you are OK and know what you are dealing with..... but worth a quick double check it is not just headed notepaper made up with a logo off a website and the address of your nearest branch with a dodgy phone number to call dropped on.
..... but worth a quick double check it is not just headed notepaper made up with a logo off a website and the address of your nearest branch with a dodgy phone number to call dropped on.Cheers Andy
05 June 2005, 12:01 AM
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"Also they have put a password on my credit rating to stop any body else trying to use it other than me"
Not sure about this bit -
a. how can they put a password on your information with a credit agency, Which credit agency, they should be able to provide you with a contact number to confirm this,
b. have they told you what the password is
c. what impact will this have on your future applications
some info here
http://www.met.police.uk/fraudalert/identity_theft.htm
Not sure about this bit -
a. how can they put a password on your information with a credit agency, Which credit agency, they should be able to provide you with a contact number to confirm this,
b. have they told you what the password is
c. what impact will this have on your future applications
some info here
http://www.met.police.uk/fraudalert/identity_theft.htm
05 June 2005, 04:37 PM
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Could be someone working at the estate agent that is up to no good or at least part of the chain. Estate agents have access to plenty of empty homes so it's very easy for them to make false applications with dodgy addresses.
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