ID Fraud - who can I complain to?

[Support Monkey]

My brother recently brought a house and when they did the searches it came up with a bancrupt fella living in wales of the same name, he had to write a letter to the solicitor saying her was not this person, he lives in Cambridgeshire, i found this realy random, if your names Fred Smith it must come up with hundreds of bankrupt people, do you have to write to advise of everyone you are not

I had been living at my previous house for 5 years when i received a baliffs letter for someone who had never lived there (i was the second owner) saying they were coming round to reposses everything, i wrote and told them i had lived there for 5 years and had never heard of this person, obviously they had run up debts using that address again pretty random

[TestMangler]

Just be contacted by an online retailer telling me some pikey has opened an account on credit in my name, fortunately they spotted and cancelled and informed me, but not without pikey getting some goodies first.

But, I said, how TF has someone managed to do this on their website with only name, addresss, DOB ??? Surely they do not check utility bills, proof of address etc.? Er, no.

So other than the online retailer, and here, who can I whinge at about their clearly tulip credit control procedures ?

Check your credit file too.

[Paddy]

you ask the retailer to write to you & your bank confirming its an illegal transaction and has NOTHING to do with you.

Its not ID fraud its weak retailer security they used things on public record to identify you and then extended credit on that basis. ID fraud is a tag attached to suggest its your fault, you were never involved you are not responsible!

Their problem not yours, just make sure they put a note on your credit file and supply a letter absolving you from responsibility just in case the bailiffs turn up.

Reminds me, I had that. Some Joe Smith who bought good the other end of the country gave my address. The f’ing bailiff company wanted me to prove I was not Joe Smith! You can imagine what I was saying to them during my less then polite phone call to their office.

[vetran]

you ask the retailer to write to you & your bank confirming its an illegal transaction and has NOTHING to do with you.

Its not ID fraud its weak retailer security they used things on public record to identify you and then extended credit on that basis. ID fraud is a tag attached to suggest its your fault, you were never involved you are not responsible!

Their problem not yours, just make sure they put a note on your credit file and supply a letter absolving you from responsibility just in case the bailiffs turn up.

[Paddy]

Just be contacted by an online retailer telling me some pikey has opened an account on credit in my name, fortunately they spotted and cancelled and informed me, but not without pikey getting some goodies first.

But, I said, how TF has someone managed to do this on their website with only name, addresss, DOB ??? Surely they do not check utility bills, proof of address etc.? Er, no.

So other than the online retailer, and here, who can I whinge at about their clearly tulip credit control procedures ?

Dead easy to get personal details of anyone. I have found the city council to be the most carless.

Post goes astray to neighbours or the postman steals the mail.

Call centres in India will sell your details for 50p

You can buy a passport or driving licence online for a couple of hundred pounds.

It is easy to fake utility bills.

The problem is that since the money laundering regulations came in, common sense has gone out the window. Nobody uses their brain. As long as someone has a fake driving licence and a fake utility bill they can get a loan.

[moorfield]

Just be contacted by an online retailer telling me some pikey has opened an account on credit in my name, fortunately they spotted and cancelled and informed me, but not without pikey getting some goodies first.

But, I said, how TF has someone managed to do this on their website with only name, addresss, DOB ??? Surely they do not check utility bills, proof of address etc.? Er, no.

So other than the online retailer, and here, who can I whinge at about their clearly tulip credit control procedures ?