Someone used my wife's details to insure a car & they won't
Discussion
Someone used my wife's details to insure a car & they won't give us any details.
We had a letter through about an insurance policy, with Admiral via People's Choice.
I called them up and and they agreed that it looks like it has been set up in my wife's name and address as a fraudulent way of them insuring a car. However, they won't talk to me aboyt it because of data protection. Which imho is f
kin' stupid as it is in her name.
Anyway, they have cancelled the policy, but I do wonder where they got all the details.
One thing I did say the other day was, every year after I use comparethemarket for a quotes my inbox gets bombarded with absolutely loads of junk mail. So much so I actually set up a new gmail account this time and sure enough that has been bombarded too.
It does make me wonder who has access to the comparethemarket customer database?
Anyway, the insurer told me to I needed to call Action Fraud, which I did, and it was pathetic.
Basically a recorded message telling me that Identity Theft in the UK is not actually illegal. Great, that was helpful.
Just wondering if anyone else has had this happen to them, the insurer seemed to think it was becoming quite a regular thing.
So people driving round on under your name, any accidents would leave you having to convince everyone is was not you. I had my care cloned a few years ago and that was hard work as no one would listen it was not my car they had and no I wouldn't be paying the £3800 storage fees.
Anyway, just thought I would mention it.
We had a letter through about an insurance policy, with Admiral via People's Choice.
I called them up and and they agreed that it looks like it has been set up in my wife's name and address as a fraudulent way of them insuring a car. However, they won't talk to me aboyt it because of data protection. Which imho is f
kin' stupid as it is in her name. Anyway, they have cancelled the policy, but I do wonder where they got all the details.
One thing I did say the other day was, every year after I use comparethemarket for a quotes my inbox gets bombarded with absolutely loads of junk mail. So much so I actually set up a new gmail account this time and sure enough that has been bombarded too.
It does make me wonder who has access to the comparethemarket customer database?
Anyway, the insurer told me to I needed to call Action Fraud, which I did, and it was pathetic.
Basically a recorded message telling me that Identity Theft in the UK is not actually illegal. Great, that was helpful.
Just wondering if anyone else has had this happen to them, the insurer seemed to think it was becoming quite a regular thing.
So people driving round on under your name, any accidents would leave you having to convince everyone is was not you. I had my care cloned a few years ago and that was hard work as no one would listen it was not my car they had and no I wouldn't be paying the £3800 storage fees.
Anyway, just thought I would mention it.
gizlaroc said:
I called them up and and they agreed that it looks like it has been set up in my wife's name and address as a fraudulent way of them insuring a car. However, they won't talk to me aboyt it because of data protection. Which imho is fkin' stupid as it is in her name.
You are not your wife though. I would hope they wouldn’t talk to you about it without her express approval. Them not talking to her about it would be rather worrying though!kin' stupid as it is in her name. Definitely check your physical mail security and it’s probably worth using one of the credit reference agencies to get a full credit report. Cost you about £15. That would show up if any other credit products have been applied for or successfully taken out.
Edit: I see you are with the credit references (I posted my reply as you did yours). Just keep an eye on them I guess and get on top of anything that pops up unexpectedly.
Edited by markyb_lcy on Monday 24th February 18:13
markyb_lcy said:
You are not your wife though. I would hope they wouldn’t talk to you about it without her express approval. Them not talking to her about it would be rather worrying though!
Definitely check your physical mail security and it’s probably worth using one of the credit reference agencies to get a full credit report. Cost you about £15. That would show up if any other credit products have been applied for or successfully taken out.
Of course she was there, they wouldn't talk to her, or would but kept saying they can't discuss details. She asked what car the policy was covering, they wouldn't say. Definitely check your physical mail security and it’s probably worth using one of the credit reference agencies to get a full credit report. Cost you about £15. That would show up if any other credit products have been applied for or successfully taken out.
Driver101 said:
Other than being a banned driver wanting to stop their car flagging up as uninsured, what other reason would someone do this?
How did they pay for the insurance? A card with a different name? Or do they have more personal details?
Questions that OP likely can't answer as they said they were not given details.How did they pay for the insurance? A card with a different name? Or do they have more personal details?
I did wonder the same though ... if you insure in another person's name, then that other person is the one that's insured, unless they then plan to also make a claim and impersonate further for a payout? Strange one.
markyb_lcy said:
“Identity fraud in the UK not illegal”?
Yes it is, it’s fraud, plain and simple.
No, it isn't apparently. Yes it is, it’s fraud, plain and simple.
It is only a crime committed that is illegal currently. You can pretend to be someone else but unless you commit a crime there is nothing they can do legally. Crazy.
markyb_lcy said:
Driver101 said:
Other than being a banned driver wanting to stop their car flagging up as uninsured, what other reason would someone do this?
How did they pay for the insurance? A card with a different name? Or do they have more personal details?
Questions that OP likely can't answer as they said they were not given details.How did they pay for the insurance? A card with a different name? Or do they have more personal details?
I did wonder the same though ... if you insure in another person's name, then that other person is the one that's insured, unless they then plan to also make a claim and impersonate further for a payout? Strange one.
Your wife needs to contact them again. She needs to ask if they will record this as a cancelled or declined insurance as this affects her future insurance policies.
Also ask if their investigations department are investigating it as they would do initial investigations and pass on any evidence to police if they found enough.
Also ask if their investigations department are investigating it as they would do initial investigations and pass on any evidence to police if they found enough.
gizlaroc said:
This is what we were asking. Wanted to know if any payments had been taken, also wanted to know if they had my bank details, but they wouldn't tell us. So frustrating.
You have a bank statement to tell you if payments have been taken. Given you haven’t noticed I would assume not. Chozza said:
Probably worth doing a Subject Access Request.
Ask them for all the details that they have for your wife ( or rather she needs to ask ) - it might reveal some links that shouldn't be there
No point. It’s not applicable as the OP (or their wife) haven’t provided any data. The fact her name and address were used is inconsequential. Ask them for all the details that they have for your wife ( or rather she needs to ask ) - it might reveal some links that shouldn't be there
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