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Hi.
A guy I know has used my mobile number to take out a PayDay loan and I get text messages for his loan repayments.
Is this Fraud?
What should I do?
Do you think I should call the police?
Bye
Sav
A guy I know has used my mobile number to take out a PayDay loan and I get text messages for his loan repayments.
Is this Fraud?
What should I do?
Do you think I should call the police?
Bye
Sav
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In reply to Mountain Spirit:
I would contact the loan company and tell them that they have an incorrect number & could they remove it from their systems.
I would contact the loan company and tell them that they have an incorrect number & could they remove it from their systems.
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In reply to stubbed:
I've emailed them but they wanted to me to validate my account by giving them my DOB, postcode with first line of address and full name - an account I don't have.
I emailed them back telling them I am not the account holder but in their reply they used the surname of the account holder.
Today I got another reminder.
Do you think I should phone them?
Sav
I've emailed them but they wanted to me to validate my account by giving them my DOB, postcode with first line of address and full name - an account I don't have.
I emailed them back telling them I am not the account holder but in their reply they used the surname of the account holder.
Today I got another reminder.
Do you think I should phone them?
Sav
In reply to Mountain Spirit:
Zimpy banned and then Mountain Spirit returns from the wilderness ...coincidence?
Anyway welcome home Savvas and good luck resolving your phone/loan issue.
Zimpy banned and then Mountain Spirit returns from the wilderness ...coincidence?
Anyway welcome home Savvas and good luck resolving your phone/loan issue.
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In reply to Mountain Spirit:
Don't call the police.
1. Speak to your "friend"
2. Tell him to call the company. Stand over him whilst he does
3. Failing that, just call the company yourself
But don't call the police!
Don't call the police.
1. Speak to your "friend"
2. Tell him to call the company. Stand over him whilst he does
3. Failing that, just call the company yourself
But don't call the police!
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In reply to JJL:
Hi.
I don't have his number as he doesn't have a mobile phone.
I've emailed him and tried to send messages via Facebook but the messages never get delivered.
I know where he lives but I don't want to go there.
Bye
Sav
Hi.
I don't have his number as he doesn't have a mobile phone.
I've emailed him and tried to send messages via Facebook but the messages never get delivered.
I know where he lives but I don't want to go there.
Bye
Sav
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In reply to Mountain Spirit:
>A guy I know has used my mobile number to take out a PayDay loan and I get text messages for his loan repayments.
If he's used your mobile number, what other details of yours has he used?
It may not be your debt, but it could bugger up your credit score etc
Have you tried this link? At the very least you'd want to report it, so you have some evidence to say it wasn't you.
http://www.actionfraud.police.uk/
>A guy I know has used my mobile number to take out a PayDay loan and I get text messages for his loan repayments.
If he's used your mobile number, what other details of yours has he used?
It may not be your debt, but it could bugger up your credit score etc
Have you tried this link? At the very least you'd want to report it, so you have some evidence to say it wasn't you.
http://www.actionfraud.police.uk/
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In reply to Mountain Spirit:
Speak to your friend so they are aware the loan is being chased up. Ask them to have the contact details updated.
Then speak to the loan provider's fraud prevention team (call the switchboard and ask, do not trust the number the text came from) to ensure the loan was not taken out in your name.
Then speak to the police if necessary.
jk
> Do you think I should phone them?
Speak to your friend so they are aware the loan is being chased up. Ask them to have the contact details updated.
Then speak to the loan provider's fraud prevention team (call the switchboard and ask, do not trust the number the text came from) to ensure the loan was not taken out in your name.
Then speak to the police if necessary.
jk
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In reply to Mountain Spirit:
Yes, please send me a PM with your name, address, DOB, mobile nr an bank account nr - don't think payday loan companies will ask me for any other details?
Once they approve the loan (in your name but providing me with the money) I will offer to share the loot with you, kindly giving you 10% of the loan.
Now, how much shall I apply for?
On second thoughts, best not send that information to anyone and contact the police about the loan issued to another under your name - its fraud.
Good luck in getting this matter sorted.
> Hi.
> Can I send my number via pm?
> Sav
Yes, please send me a PM with your name, address, DOB, mobile nr an bank account nr - don't think payday loan companies will ask me for any other details?
Once they approve the loan (in your name but providing me with the money) I will offer to share the loot with you, kindly giving you 10% of the loan.
Now, how much shall I apply for?
On second thoughts, best not send that information to anyone and contact the police about the loan issued to another under your name - its fraud.
Good luck in getting this matter sorted.
Post edited at 15:06
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In reply to jkarran:
Hi JK.
I don't have a mobile number for him and I don't have a landline either.
Sav
Hi JK.
I don't have a mobile number for him and I don't have a landline either.
Sav
Post edited at 15:23
In reply to dread-i:
Hi.
I'm worried about my credit score to.
I think he may have used my email to but stuff from Apple and Amazon.
It is not my debt.
I'll give the link a try.
Sav
Hi.
I'm worried about my credit score to.
I think he may have used my email to but stuff from Apple and Amazon.
It is not my debt.
I'll give the link a try.
Sav
Post edited at 15:27
In reply to Mountain Spirit:
So skip or delay step one. Start by calling the lender's fraud prevention team to clear up where you stand.
Then: If you're still not happy, call the national police ActionFraud helpline 0300 123 2040
Also and aside from the other actions I suggest discussing this with someone you trust outside of the internet.
jk
So skip or delay step one. Start by calling the lender's fraud prevention team to clear up where you stand.
Then: If you're still not happy, call the national police ActionFraud helpline 0300 123 2040
Also and aside from the other actions I suggest discussing this with someone you trust outside of the internet.
jk
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In reply to jkarran:
Thanks JK.
Very useful and top notch advise.
Family maybe?
Bye
Sav
Thanks JK.
Very useful and top notch advise.
Family maybe?
Bye
Sav
Post edited at 15:49
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In reply to Mountain Spirit:
Yes, get in touch with the lender. If they refuse to speak to you about this specific loan, ask to speak to their fraud department.
If his application is fraudulent, it will mean your phone number will be linked to that application, which will make it harder for you to get a loan approved.
If he has only used your phone number (not name or address) it probably won't affect your actual credit score, though.
Yes, get in touch with the lender. If they refuse to speak to you about this specific loan, ask to speak to their fraud department.
If his application is fraudulent, it will mean your phone number will be linked to that application, which will make it harder for you to get a loan approved.
If he has only used your phone number (not name or address) it probably won't affect your actual credit score, though.
In reply to The Ivanator:
Pretty much, I'm sure. Definitely not the same person.
I know we, the assorted rabble of UCK, tend to take the piss relentlessly when someone seems annoying.
Zimpara both deserved it and could handle it (and no doubt will be back for more as soon as his ban is over).
But Mountain Spirit is not as other posters on here and it would be nice if we could be kinder on the whole than we were while he was around before.
Savvas, welcome back.
You will get some very good advice on here, but remember that not everybody who offers you advice is being completely serious.
I would repeat what jkarran said above - and do speak to someone trustworthy away from the internet.
(Your mum perhaps? I seem to remember from before that she helps you with things?)
Best of luck.
> Zimpy banned and then Mountain Spirit returns from the wilderness ...coincidence?
Pretty much, I'm sure. Definitely not the same person.
I know we, the assorted rabble of UCK, tend to take the piss relentlessly when someone seems annoying.
Zimpara both deserved it and could handle it (and no doubt will be back for more as soon as his ban is over).
But Mountain Spirit is not as other posters on here and it would be nice if we could be kinder on the whole than we were while he was around before.
Savvas, welcome back.
You will get some very good advice on here, but remember that not everybody who offers you advice is being completely serious.
I would repeat what jkarran said above - and do speak to someone trustworthy away from the internet.
(Your mum perhaps? I seem to remember from before that she helps you with things?)
Best of luck.
Post edited at 16:18
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In reply to jkarran:
>So skip or delay step one. Start by calling the lender's fraud prevention team to clear up where you stand.
The loss prevention team, will only be interested in debt to their company. As the OP's phone number (from the caller ID) is the same as the fraudsters, they may even believe that the OP and the fraudster are one and the same. I.e. I take out a loan, spend it, then claim someone else did it in my name.
The loan company wont give out any personal details or even discuss the case due to the Data Protection Act. They will happily take all of your details, just in case it is a fraud and you've committed it.
If you go via the action fraud site, they may be able to tell you if your details have been used elsewhere. If the fraudster has done this to 20 other companies, you don't want to spend your days talking to 20 separate loss investigators. Action fraud will have contact with the credit ref companies, and a path to follow to clean up your details.
If it turns out to be one big mistake, i.e. you friend put the wrong number in error; the police will be happy as they can add it to the 'solved' list and make their stats look better.
>So skip or delay step one. Start by calling the lender's fraud prevention team to clear up where you stand.
The loss prevention team, will only be interested in debt to their company. As the OP's phone number (from the caller ID) is the same as the fraudsters, they may even believe that the OP and the fraudster are one and the same. I.e. I take out a loan, spend it, then claim someone else did it in my name.
The loan company wont give out any personal details or even discuss the case due to the Data Protection Act. They will happily take all of your details, just in case it is a fraud and you've committed it.
If you go via the action fraud site, they may be able to tell you if your details have been used elsewhere. If the fraudster has done this to 20 other companies, you don't want to spend your days talking to 20 separate loss investigators. Action fraud will have contact with the credit ref companies, and a path to follow to clean up your details.
If it turns out to be one big mistake, i.e. you friend put the wrong number in error; the police will be happy as they can add it to the 'solved' list and make their stats look better.
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In reply to Mountain Spirit:
yes..but if I was trying to stop somebody committing fraud using my mobile no..it would easily be the lesser of 2 evils...
I would certainly be asking my mobile phone co for advice.
yes..but if I was trying to stop somebody committing fraud using my mobile no..it would easily be the lesser of 2 evils...
I would certainly be asking my mobile phone co for advice.
In reply to Mountain Spirit:
Doesn't really sound like the actions of a friend, speak to the police, block the number, email / write to the loan company.
Doesn't really sound like the actions of a friend, speak to the police, block the number, email / write to the loan company.
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In reply to Mountain Spirit:
If it's in his name it can't affect your credit score.
> Hi.
> I'm worried about my credit score to.
If it's in his name it can't affect your credit score.
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In reply to Mountain Spirit:
Call the loan company and inform them that the guy has used your number fraudulently and that you are going to call the police next. They will almost certainly sort it out there and then, as, is often the case, the salesperson knew the phone number was iffy but wanted the commission.
If they don't sort it there and then call the police, and contact CAB, who will contact the lender on your behalf, or make sure that you know exactly what to do.
If your number is on a loan that gets defaulted, any information used on that loan will become a matter of record, specifically, if you try for an overdraft, loan or mortgage and give that number it will show up as a defaulted loan number.
Sort it very quickly as it could be expensive for you.
Call the loan company and inform them that the guy has used your number fraudulently and that you are going to call the police next. They will almost certainly sort it out there and then, as, is often the case, the salesperson knew the phone number was iffy but wanted the commission.
If they don't sort it there and then call the police, and contact CAB, who will contact the lender on your behalf, or make sure that you know exactly what to do.
If your number is on a loan that gets defaulted, any information used on that loan will become a matter of record, specifically, if you try for an overdraft, loan or mortgage and give that number it will show up as a defaulted loan number.
Sort it very quickly as it could be expensive for you.
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In reply to andy:
It may not affect his score as long as the other person keeps paying. If the other person stops paying and the loan goes into default, then all details will enter the credit score system, and if Savvy tries to get a loan/overdraft/mortgage and uses his own number it will appear as linked to a defaulted loan. This will then affect both that application and get that number linked to his credit score.
I speak from experience!
It may not affect his score as long as the other person keeps paying. If the other person stops paying and the loan goes into default, then all details will enter the credit score system, and if Savvy tries to get a loan/overdraft/mortgage and uses his own number it will appear as linked to a defaulted loan. This will then affect both that application and get that number linked to his credit score.
I speak from experience!
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In reply to neilh:
I think that's probably overkill. If only the phone number has been used, it might mess up some fraud or authentication checks for financial products but I wouldn't expect much more impact. I work in a related business rather than financial crime though.
I think that's probably overkill. If only the phone number has been used, it might mess up some fraud or authentication checks for financial products but I wouldn't expect much more impact. I work in a related business rather than financial crime though.
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In reply to johncook:
If they have not taken any steps to verify that the number does actually belong to the loan applicant, one could argue that they're negligent. It's not hard to send a text to the number, asking for a reply acknowledging the loan application.
Payday lenders charging 9000% APR may not be as vigilant as they ought to be...
> They will almost certainly sort it out there and then, as, is often the case, the salesperson knew the phone number was iffy but wanted the commission.
If they have not taken any steps to verify that the number does actually belong to the loan applicant, one could argue that they're negligent. It's not hard to send a text to the number, asking for a reply acknowledging the loan application.
Payday lenders charging 9000% APR may not be as vigilant as they ought to be...
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In reply to Mountain Spirit:
Yes, providing false information to obtain money is fraud.
What is your relationship with this bloke? I'd suggest that by using your information without your permission, he is abusing that relationship. The fact that he appears to be ignoring your attempts to contact him suggests he is not your friend.
You do not want any of your personal information to be used for any financial transaction that you are not directly involved in.
Like some others, I would recommend contacting Actionfraud.
> Is this Fraud?
Yes, providing false information to obtain money is fraud.
What is your relationship with this bloke? I'd suggest that by using your information without your permission, he is abusing that relationship. The fact that he appears to be ignoring your attempts to contact him suggests he is not your friend.
You do not want any of your personal information to be used for any financial transaction that you are not directly involved in.
Like some others, I would recommend contacting Actionfraud.
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In reply to captain paranoia:
I mentioned that earlier. When this guy took out the loan, the salesperson would only be interested in the commission and maybe wouldn't check every detail as the rules state they should.
Unfortunately the rest of my comment still stands. Took me a while and a lot of effort to restore my credit rating when my number became associated with a bad debt (My ex wife used the number and her maiden name to take out several loans. The only reference to me was my mobile number. In the meantime I had got a small finance deal on a car (O%) and had also used my mobile number. In the meantime she defaulted, my credit score plummeted and it took forever to find out why and eventually it was traced back to her use of my number as well as me using it. The credit searches linked the two (or more) uses and hammered me. Police, loan companies banks and solicitors were involved. Eventually a charge of fraud was made, and although found guilty she was given a conditional discharge. And she had to pay me £10. What a joke!
I mentioned that earlier. When this guy took out the loan, the salesperson would only be interested in the commission and maybe wouldn't check every detail as the rules state they should.
Unfortunately the rest of my comment still stands. Took me a while and a lot of effort to restore my credit rating when my number became associated with a bad debt (My ex wife used the number and her maiden name to take out several loans. The only reference to me was my mobile number. In the meantime I had got a small finance deal on a car (O%) and had also used my mobile number. In the meantime she defaulted, my credit score plummeted and it took forever to find out why and eventually it was traced back to her use of my number as well as me using it. The credit searches linked the two (or more) uses and hammered me. Police, loan companies banks and solicitors were involved. Eventually a charge of fraud was made, and although found guilty she was given a conditional discharge. And she had to pay me £10. What a joke!
In reply to deepsoup:
Hi deep soup.
My mum does help me with things so I will talk to her about this.
Hi deep soup.
My mum does help me with things so I will talk to her about this.
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In reply to captain paranoia:
Hi.
I know him through a a neutral friend that I met on The Princes Trust Volunteers Program. We became good friends but I now I don't think I even want to know him.
Is it wise to phone the lender before contacting Action Fraud.
Sav
Hi.
I know him through a a neutral friend that I met on The Princes Trust Volunteers Program. We became good friends but I now I don't think I even want to know him.
Is it wise to phone the lender before contacting Action Fraud.
Sav
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In reply to Mountain Spirit:
I have spoken to the lender and they are going to remove my number from their system.
Should I still contact Action Fraud?
Bye
Sav
I have spoken to the lender and they are going to remove my number from their system.
Should I still contact Action Fraud?
Bye
Sav
1
In reply to Mountain Spirit:
Good. That sounds like a satisfactory solution to me.
Your friend may not have been dishonest, they may not have understood the consequences of using your phone to arrange the loan. Either way, you need to be careful about these things.
jk
> I have spoken to the lender and they are going to remove my number from their system.
> Should I still contact Action Fraud?
> Should I still contact Action Fraud?
Good. That sounds like a satisfactory solution to me.
Your friend may not have been dishonest, they may not have understood the consequences of using your phone to arrange the loan. Either way, you need to be careful about these things.
jk
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In reply to Mountain Spirit:
Yes......ask for their advice..your friend may be doing the same with other people ..
Yes......ask for their advice..your friend may be doing the same with other people ..
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In reply to jkarran:
Hi JK.
It has been resolved - I have not received a single sms from them since.
Sav
Hi JK.
It has been resolved - I have not received a single sms from them since.
Sav
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In reply to Mountain Spirit:
I'm glad for your sake it has been resolved.
> Hi JK.
> It has been resolved - I have not received a single sms from them since.
> Sav
I'm glad for your sake it has been resolved.
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In reply to Mountain Spirit:
Two very important questions:
What has he done on grit?
What has done on slate?
Two very important questions:
What has he done on grit?
What has done on slate?
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