Tweet
Identity fraud - Mother taken out credit in my name
Hello, I'm posting on behalf of my partner looking for some advice regarding a debt that isn't his. In April 2016 we reported a case to Action Fraud as we were receiving letters from Lowell chasing a debt that has been taken out in his name behind his back by his 'mother' from JD Williams (we know it's her as she has admitted this to us but has refused to own up and pay it) We then gave Lowell the crime reference number and hadn't heard anything more either from them or Action Fraud until yesterday when we received a letter. In the letter, it states that no disputes were raised while the account was open (of course because he knew nothing about it) and that payments were made (obviously by his mother) and we are to provide proof that he didn't open the account otherwise to arrange a payment plan or risk court action. He had no idea about this account until he started receiving collection letters from Lowell.
We spoke to Lowell on the phone yesterday morning and they have requested evidence to prove that he didn't open the account and a headed letter from the police with the crime reference number. Everything on the account is his mothers, the contact number, email and address (he lived at the same address when the account was taken out) and any payments made will have been from his mothers card. The only thing connecting him is his name. She wouldn't have any of it on the phone. We don't know which format the account was taken out in, phone, online or by letter.
There is also another account opened when he had moved out which is currently with Cabot (Studio) and this account was taken out when he had moved into his new address and his mother has used that new address.
Where do we go from here? How can we prove that he didn't open this account? We are heading to the police station in the morning to report this and obtain the letter that Lowells are requesting. I'm just worried that there's nothing that can prove that she has done this. We have never received any goods from these companies or made any payments to them. Can anyone please help us? This is really getting us both down Thank you
We spoke to Lowell on the phone yesterday morning and they have requested evidence to prove that he didn't open the account and a headed letter from the police with the crime reference number. Everything on the account is his mothers, the contact number, email and address (he lived at the same address when the account was taken out) and any payments made will have been from his mothers card. The only thing connecting him is his name. She wouldn't have any of it on the phone. We don't know which format the account was taken out in, phone, online or by letter.
There is also another account opened when he had moved out which is currently with Cabot (Studio) and this account was taken out when he had moved into his new address and his mother has used that new address.
Where do we go from here? How can we prove that he didn't open this account? We are heading to the police station in the morning to report this and obtain the letter that Lowells are requesting. I'm just worried that there's nothing that can prove that she has done this. We have never received any goods from these companies or made any payments to them. Can anyone please help us? This is really getting us both down Thank you
Comment