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Some unknown scrote, who lives in a dodgy post code area, has insured his car online in my name without my knowledge, I assume to benefit from my rural address. As this was done online the relevant documents would have all been e-mailed to him, not to me.
The first I knew of this was when the insurer wrote to me to advise me that "my" policy was cancelled due to a DDM default. When I finally managed to get past online chat and speak to someone I gave them the whole story. I then received a letter from them that the policy had been cancelled due to MY dishonesty (they've since corrected that!) and that this must be revealed to any future insurers. This will also affect my credit rating, which I believe is logged against the address, and mine is the only one they have!
I believe this scrote has taken out fresh insurance elsewhere, and I need to make sure this is not also in my name.
Is there anyone here who can legally find out the name of the current insurer from the registration number? You can PM me.
TIA, as they say
The first I knew of this was when the insurer wrote to me to advise me that "my" policy was cancelled due to a DDM default. When I finally managed to get past online chat and speak to someone I gave them the whole story. I then received a letter from them that the policy had been cancelled due to MY dishonesty (they've since corrected that!) and that this must be revealed to any future insurers. This will also affect my credit rating, which I believe is logged against the address, and mine is the only one they have!
I believe this scrote has taken out fresh insurance elsewhere, and I need to make sure this is not also in my name.
Is there anyone here who can legally find out the name of the current insurer from the registration number? You can PM me.
TIA, as they say
Not sure about insured, but you can find RK details from DVLA if it's of any help?
You can request information about a vehicle's registered keeper from the DVLA if you have a "reasonable cause":
You're investigating an accident or claim
You're tracing the registered keeper of an abandoned vehicle
You're tracing the registered keeper of a vehicle parked on private land
You're giving out parking tickets
You're giving out trespass charge notices
You're tracing people responsible for driving off without paying for goods and services
You're tracing people suspected of insurance fraud
To request the information, you can:
Fill out a V888 form
Explain your "reasonable cause" and how you'll use the information
Send the form to the DVLA
Pay a fee to cover the cost of processing the request
You can request information about a vehicle's registered keeper from the DVLA if you have a "reasonable cause":
You're investigating an accident or claim
You're tracing the registered keeper of an abandoned vehicle
You're tracing the registered keeper of a vehicle parked on private land
You're giving out parking tickets
You're giving out trespass charge notices
You're tracing people responsible for driving off without paying for goods and services
You're tracing people suspected of insurance fraud
To request the information, you can:
Fill out a V888 form
Explain your "reasonable cause" and how you'll use the information
Send the form to the DVLA
Pay a fee to cover the cost of processing the request
I'm going to try them tomorrow, but I was hoping there'd be someone on here who'd know if Motor Insurers have access to the full details held by the MID and not just confirmation that it is insured.
I have the identity of the scrote, but it's his new Insurers that I need to contact.
The police obviously have access to full insurance details online, but they refuse to help.
I have the identity of the scrote, but it's his new Insurers that I need to contact.
The police obviously have access to full insurance details online, but they refuse to help.
Most Insurers will do a soft search on your credit file so you can have a note added to your credit file to check for fraud. Of course this will have a small impact when you need to take out your own insurances, but would be as simple as you taking a pic of your driving licence and submitting it.
The other fraud database you can use is National Hunter https://nhunter.co.uk/how-it-works/
The other fraud database you can use is National Hunter https://nhunter.co.uk/how-it-works/
Edited by vikingaero on Tuesday 14th January 08:32
CanAm said:
Some unknown scrote, who lives in a dodgy post code area, has insured his car online in my name without my knowledge, I assume to benefit from my rural address. As this was done online the relevant documents would have all been e-mailed to him, not to me.
This unfortunately also happened to me recently.The first I knew of it was when 4 different letters from 4 different Insurers arrived telling me in each case the policy had been cancelled.To add to my joy I also received a letter from a premium financing company also with my name and address but with "obviously " not my phone or email address.To then further add to my joy I also received a letter from a debt recovery company - you have my sympathies.
The first I knew of this was when the insurer wrote to me to advise me that "my" policy was cancelled due to a DDM default. When I finally managed to get past online chat and speak to someone I gave them the whole story. I then received a letter from them that the policy had been cancelled due to MY dishonesty (they've since corrected that!) and that this must be revealed to any future insurers. This will also affect my credit rating, which I believe is logged against the address, and mine is the only one they have!
From the 4 " false " policies I also received cancellation letters ( albeit nothing had incepted due to Insurers own safeguard checks and one of them was the same as you received. I wrote immediately to their complaints dept and pointed out that their letter was wrong and immediately received a correct version with the promise they would amend all their templates.I also contacted all of the other companies mentioned.
I believe this scrote has taken out fresh insurance elsewhere, and I need to make sure this is not also in my name.
I assume you have reported this to Action Fraud and perhaps also the Insurance Fraud Bureau ? I spoke with AF a number of times and what is clear is-
1) The Police appear not to consider ID Theft a crime as such.
2) You only are protected due to Insurers having their own systems in place to avoid such fraud -there are 2 systems used and the likelihood is that this will cover almost all Insurers and Brokers.
3) Other than platitudes there appears little AF will do on your behalf.
4) Contacting the DVLA was fruitless as I have yet to find the correct email address and I'm not spending hours on the phone fruitlessly.
5) These scams are incredibly common and increasing and are usually down to s called ghost broking scams.
Is there anyone here who can legally find out the name of the current insurer from the registration number? You can PM me.
TIA, as they say
Apologies for formatting but I have annotated below each of your comments above.This unfortunately also happened to me recently.The first I knew of it was when 4 different letters from 4 different Insurers arrived telling me in each case the policy had been cancelled.To add to my joy I also received a letter from a premium financing company also with my name and address but with "obviously " not my phone or email address.To then further add to my joy I also received a letter from a debt recovery company - you have my sympathies.
The first I knew of this was when the insurer wrote to me to advise me that "my" policy was cancelled due to a DDM default. When I finally managed to get past online chat and speak to someone I gave them the whole story. I then received a letter from them that the policy had been cancelled due to MY dishonesty (they've since corrected that!) and that this must be revealed to any future insurers. This will also affect my credit rating, which I believe is logged against the address, and mine is the only one they have!
From the 4 " false " policies I also received cancellation letters ( albeit nothing had incepted due to Insurers own safeguard checks and one of them was the same as you received. I wrote immediately to their complaints dept and pointed out that their letter was wrong and immediately received a correct version with the promise they would amend all their templates.I also contacted all of the other companies mentioned.
I believe this scrote has taken out fresh insurance elsewhere, and I need to make sure this is not also in my name.
I assume you have reported this to Action Fraud and perhaps also the Insurance Fraud Bureau ? I spoke with AF a number of times and what is clear is-
1) The Police appear not to consider ID Theft a crime as such.
2) You only are protected due to Insurers having their own systems in place to avoid such fraud -there are 2 systems used and the likelihood is that this will cover almost all Insurers and Brokers.
3) Other than platitudes there appears little AF will do on your behalf.
4) Contacting the DVLA was fruitless as I have yet to find the correct email address and I'm not spending hours on the phone fruitlessly.
5) These scams are incredibly common and increasing and are usually down to s called ghost broking scams.
Is there anyone here who can legally find out the name of the current insurer from the registration number? You can PM me.
TIA, as they say
For one of the attempted scams I too managed to get hold of the email and phone numbers but was told by one of the companies Fraud departments I should leave it to them and not try to get involved.Obviously If you know the scote etc perhaps that's a different scenario !
I also joined CIFAS ( at a cost of £30 for 2 years ) which in theory helps to protect your credit status by them instigating supposedly another round of checks.
I think its the shock of it which is most upsetting but clearly the systems works because nothing was ever taken out.
This is not necessarily a plate cloning issue and providing your Insurer has cancelled the policy abinitio ( as though it never existed ) in theory you should be ok.
I was told by AF that after a few months that should be the last you hear of it -we shall see.
If you want to pm me for "extra reassurance " happy to.
I had a curious one where someone (Albanian name) had insured a car in their name, but at my address. The insurer wrote to him at my address as they'd not been able to collect payment for a direct debit from a card in his name.
I was surprised that the credit checks on the fella did not reveal that he did not live at my address.
I called the insurer and they said they'd not be taking any further action, but the whole thing is a bit worrying.
I was surprised that the credit checks on the fella did not reveal that he did not live at my address.
I called the insurer and they said they'd not be taking any further action, but the whole thing is a bit worrying.
alscar said:
Apologies for formatting but I have annotated below each of your comments above.
For one of the attempted scams I too managed to get hold of the email and phone numbers but was told by one of the companies Fraud departments I should leave it to them and not try to get involved.Obviously If you know the scote etc perhaps that's a different scenario !
I also joined CIFAS ( at a cost of £30 for 2 years ) which in theory helps to protect your credit status by them instigating supposedly another round of checks.
I think its the shock of it which is most upsetting but clearly the systems works because nothing was ever taken out.
This is not necessarily a plate cloning issue and providing your Insurer has cancelled the policy abinitio ( as though it never existed ) in theory you should be ok.
I was told by AF that after a few months that should be the last you hear of it -we shall see.
If you want to pm me for "extra reassurance " happy to.
Thanks for your comments. All of that us in hand with the various bodies. DVLA actually confirmed by phone that the car is not registered in my name (which I expected to be the case) I only know the name of the scrote because when speaking to the insurer and pointing out that I had no connection whatsoever witht the vehicle and knew nothing of the car or its owner, they said, "Oh, so you don't know 'John Smith' then?" He had obviously put his real name down as a named driver, so that if he was stopped by police he would be covered. The DDM default letter quoted "my" bank sort code and account number (ie, obviously his) so I know his name and the address of his bank. But the police were not interested in tracking down an uninsured driver. For one of the attempted scams I too managed to get hold of the email and phone numbers but was told by one of the companies Fraud departments I should leave it to them and not try to get involved.Obviously If you know the scote etc perhaps that's a different scenario !
I also joined CIFAS ( at a cost of £30 for 2 years ) which in theory helps to protect your credit status by them instigating supposedly another round of checks.
I think its the shock of it which is most upsetting but clearly the systems works because nothing was ever taken out.
This is not necessarily a plate cloning issue and providing your Insurer has cancelled the policy abinitio ( as though it never existed ) in theory you should be ok.
I was told by AF that after a few months that should be the last you hear of it -we shall see.
If you want to pm me for "extra reassurance " happy to.
I just want to track down his current insurer so that I can ensure that this policy is also not in my name.
I think if the scrote had tried to then take out a fresh policy in your name the same thing would have happened and “ his “ insurer would have written to you also.
I was assured by more than one of the companies that the chances of any Insurer being able to issue a policy for the “ wrong “ person but right address are very remote.
As you say no check confirmation required from you using your correct phone or email address should be possible unless said scrote managed to find these out but even then you would receive said call and email and of course act upon it.
I was assured by more than one of the companies that the chances of any Insurer being able to issue a policy for the “ wrong “ person but right address are very remote.
As you say no check confirmation required from you using your correct phone or email address should be possible unless said scrote managed to find these out but even then you would receive said call and email and of course act upon it.
alscar said:
I think if the scrote had tried to then take out a fresh policy in your name the same thing would have happened and “ his “ insurer would have written to you also.
I was assured by more than one of the companies that the chances of any Insurer being able to issue a policy for the “ wrong “ person but right address are very remote.
As you say no check confirmation required from you using your correct phone or email address should be possible unless said scrote managed to find these out but even then you would receive said call and email and of course act upon it.
He obviously took out the policy online and all documentation must have been issued electronically. He used my name and address with himself as a named driver. The only reason the insurer wrote to me via snail mail was because of a DDM default and a cancellation notice has to be sent by post.I was assured by more than one of the companies that the chances of any Insurer being able to issue a policy for the “ wrong “ person but right address are very remote.
As you say no check confirmation required from you using your correct phone or email address should be possible unless said scrote managed to find these out but even then you would receive said call and email and of course act upon it.
If it hadn't been for that I would never had been any the wiser.
Anybody could take out a policy [b]online]/b] using an innocent person's name and address without their knowledge, as long as they tick the box for contact by email rather than post.
CanAm said:
He obviously took out the policy online and all documentation must have been issued electronically. He used my name and address with himself as a named driver. The only reason the insurer wrote to me via snail mail was because of a DDM default and a cancellation notice has to be sent by post.
If it hadn't been for that I would never had been any the wiser.
Anybody could take out a policy [b]online]/b] using an innocent person's name and address without their knowledge, as long as they tick the box for contact by email rather than post.
The named driver part certainly adds a different twist but yes using email address would avoid you knowing about it. If it hadn't been for that I would never had been any the wiser.
Anybody could take out a policy [b]online]/b] using an innocent person's name and address without their knowledge, as long as they tick the box for contact by email rather than post.
That said as I said earlier whilst you received cancellation letters by post this was because their safety checks using those systems i mentioned had already identified the fact it wasn’t you taking out the policy and they didn’t have your email address.
The policies were never in fact live.
alscar said:
The named driver part certainly adds a different twist but yes using email address would avoid you knowing about it.
That said as I said earlier whilst you received cancellation letters by post this was because their safety checks using those systems i mentioned had already identified the fact it wasn’t you taking out the policy and they didn’t have your email address.
The policies were never in fact live.
No, their safety checks found out nothing at all. They wrote to me as the "policyholder" due to "my" DDM default as mine was the only postal address in their records. They quoted his bank details as though they were mine. They knew nothing untoward had gone on until I phoned them.That said as I said earlier whilst you received cancellation letters by post this was because their safety checks using those systems i mentioned had already identified the fact it wasn’t you taking out the policy and they didn’t have your email address.
The policies were never in fact live.
The policy was definitely live. This was a mid-term DDM default.
Edited by CanAm on Tuesday 14th January 16:53
CanAm said:
No, their safety checks found out nothing at all. They wrote to me as the "policyholder" due to "my" DDM default as mine was the only postal address in their records. They quoted his bank details as though they were mine. They knew nothing untoward had gone on until I phoned them.
Fair enough although I’m surprised ,although of course the end result is the same in that no policy was therefore effected because no money would ever have been received hence the cancellation. I guess when I got the premium financing letter from the finance house this was similar although by then the Insurer I had already spoken to and we mutually confirmed it wasn’t me.
I guess this was my frustration with Action Fraud as unless things are happening behind the scenes it’s difficult to see what as innocent “ victims “ they are doing for us !
alscar said:
Fair enough although I’m surprised ,although of course the end result is the same in that no policy was therefore effected because no money would ever have been received hence the cancellation.
I guess when I got the premium financing letter from the finance house this was similar although by then the Insurer I had already spoken to and we mutually confirmed it wasn’t me.
I guess this was my frustration with Action Fraud as unless things are happening behind the scenes it’s difficult to see what as innocent “ victims “ they are doing for us !
You replied before my edit. Cover was definitely live. This was mid-term.I guess when I got the premium financing letter from the finance house this was similar although by then the Insurer I had already spoken to and we mutually confirmed it wasn’t me.
I guess this was my frustration with Action Fraud as unless things are happening behind the scenes it’s difficult to see what as innocent “ victims “ they are doing for us !
CanAm said:
alscar said:
Fair enough although I’m surprised ,although of course the end result is the same in that no policy was therefore effected because no money would ever have been received hence the cancellation.
I guess when I got the premium financing letter from the finance house this was similar although by then the Insurer I had already spoken to and we mutually confirmed it wasn’t me.
I guess this was my frustration with Action Fraud as unless things are happening behind the scenes it’s difficult to see what as innocent “ victims “ they are doing for us !
You replied before my edit. Cover was definitely live. This was mid-term.I guess when I got the premium financing letter from the finance house this was similar although by then the Insurer I had already spoken to and we mutually confirmed it wasn’t me.
I guess this was my frustration with Action Fraud as unless things are happening behind the scenes it’s difficult to see what as innocent “ victims “ they are doing for us !
But was that the first time the Insurer had asked you to complete a DDM ie who had paid premiums for months ?!
I think your circumstances are therefore worse than mine and I would certainly be making a formal complaint to the Insurer as clearly their systems and checks are sh*t.
alscar said:
Ah ok so that is indeed very different - I can only assume the Insurer was not very main stream ?
But was that the first time the Insurer had asked you to complete a DDM ie who had paid premiums for months ?!
I think your circumstances are therefore worse than mine and I would certainly be making a formal complaint to the Insurer as clearly their systems and checks are sh*t.
An online insurer that I’ve not heard of.But was that the first time the Insurer had asked you to complete a DDM ie who had paid premiums for months ?!
I think your circumstances are therefore worse than mine and I would certainly be making a formal complaint to the Insurer as clearly their systems and checks are sh*t.
The scrote set up the DDM at inception and the insurer cancelled the policy immediately on the monthly DDM default
Meanwhile I’m still hoping that someone can find out the name of the new insurer for me using he reg number.
CanAm said:
An online insurer that I’ve not heard of.
The scrote set up the DDM at inception and the insurer cancelled the policy immediately on the monthly DDM default
Meanwhile I’m still hoping that someone can find out the name of the new insurer for me using he reg number.
I might be being dense ( apologies if the case ) but are you saying this was then a different Insurer that cancelled mid term after the first Insurer had cancelled immediately ?The scrote set up the DDM at inception and the insurer cancelled the policy immediately on the monthly DDM default
Meanwhile I’m still hoping that someone can find out the name of the new insurer for me using he reg number.
alscar said:
I might be being dense ( apologies if the case ) but are you saying this was then a different Insurer that cancelled mid term after the first Insurer had cancelled immediately ?
I read it that scrote set up insurance paid for by DD using the OP's details. All was done electronically so the OP didn't know about it.Then at some point in the term of the insurance the DD failed, the insurer cancelled and wrote to the OP to tell him. We don't know the details of the DD. That may have been using stolen bank details to pay, who knows, but at some point it stopped. So one insurance policy only.
Now the OP is trying to find out if said scrote is doing it again with a different insurer using the OP's details.
And to answer your question - yes (you are being dense)
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