Chav Fraud - did you know this?
Discussion
Mother sold house 5 years ago. Lots of debt racked up in her name ever since (was told only thing can do is put password on credit ref agency - but each time this expires the new owners go shopping again! even tried opening bank accounts etc..
I've found the loophole on how they do it. unbelievable.
Each Aug/Sept local council send electrol role form out - peole in house put their own name and add previous owner name on it (my mother in this case) then open accounts with as many retailers as possible...
Police nor retailers or debt collectors can actually do anything because they cannot 100% prove new owners are ordering these goods even though my mum can prove she sold property 5 years ago...
If you remove previous owners name from electrol roll, the new owners will still get form each year and NOTHING prevents them from putting someones name back on (Council cannot bar a name) In Ireland you have to give NI/DOB etc.. but in England all you have to do is add a name...thats it
All my mother can do each year is ring council of area she used to live and confirm her name is not added to the list
So in theory, when the form comes from council this year asking me to confirm names of people living at address, I could put previous owners name then order goods in their name with NO CHANCE of being caught (I would never do this of course)
this is unbelievable.....
I've found the loophole on how they do it. unbelievable.
Each Aug/Sept local council send electrol role form out - peole in house put their own name and add previous owner name on it (my mother in this case) then open accounts with as many retailers as possible...
Police nor retailers or debt collectors can actually do anything because they cannot 100% prove new owners are ordering these goods even though my mum can prove she sold property 5 years ago...
If you remove previous owners name from electrol roll, the new owners will still get form each year and NOTHING prevents them from putting someones name back on (Council cannot bar a name) In Ireland you have to give NI/DOB etc.. but in England all you have to do is add a name...thats it
All my mother can do each year is ring council of area she used to live and confirm her name is not added to the list
So in theory, when the form comes from council this year asking me to confirm names of people living at address, I could put previous owners name then order goods in their name with NO CHANCE of being caught (I would never do this of course)
this is unbelievable.....
rhinochopig said:
Surely if the goods are being delivered to the house, the police have evidence though????
Seems like lazy policing to me.
Apparently police cannot prove 100% who ordered goods and who signed for them.Seems like lazy policing to me.
Edited by rhinochopig on Tuesday 10th February 09:41
Very nice police officer kindly admitted this is classed as small fraud so they are not allowed to bother with it
Soir said:
rhinochopig said:
Surely if the goods are being delivered to the house, the police have evidence though????
Seems like lazy policing to me.
Apparently police cannot prove 100% who ordered goods and who signed for them.Seems like lazy policing to me.
Edited by rhinochopig on Tuesday 10th February 09:41
Very nice police officer kindly admitted this is classed as small fraud so they are not allowed to bother with it
That's why they have fingerprinting of the forms and handwriting analysis for the signitures!
Only way to prove it I'm afraid.
As a landlord it is a continual problem, with tenants entering another person’s name on the electoral roll list, then supplying that same name to service providers water etc. and council tax etc., then building up huge debts with mail order catalogue shopping companies.
Then the tenant can eventually move on, but the debt collectors letters and court orders start arriving, with the debts being sold on the open market to other debt collection companies.
Then the tenant can eventually move on, but the debt collectors letters and court orders start arriving, with the debts being sold on the open market to other debt collection companies.
You could always just go round to their house and confront them. If you're feeling brave/stupid, you could always try to goad them into taking a swing at you, then report them to the police for assualt and battery. That would probably get taken more seriously... Make sure you've got a witness for that though... 
Or alternatively, you could actually order stuff you don't want to be delivered to their house, in your mum's name, and then deny all knowledge... 5 tonnes of unbagged shingle/sharp sand on the driveway, for example...
Or alternatively, you could actually order stuff you don't want to be delivered to their house, in your mum's name, and then deny all knowledge... 5 tonnes of unbagged shingle/sharp sand on the driveway, for example...
I had something similar when I moved a few years ago, got a phonecall at my new address from a catalogue, someone had opened an account and used my details to order an LCD TV, somehow the catalogue company spotted something odd, and managed to trace me to my new address to confirm it wasnt me.
They said they had cancelled the order and that they would inform the police, but it would be unlikely for anything to happen.
I spent months trying to work out how they got my details, the fraudsters had my DOB etc..
They said they had cancelled the order and that they would inform the police, but it would be unlikely for anything to happen.
I spent months trying to work out how they got my details, the fraudsters had my DOB etc..
I see how they can open accounts in your mothers name, but surely the people they are ordering from have a duty of care to verify their new customer and verify your mothers bank details.
Is it not possible to speak to these retailers and your mothers bank and have the property & address blacklisted as opposed to your mothers name blacklisted?
Is it not possible to speak to these retailers and your mothers bank and have the property & address blacklisted as opposed to your mothers name blacklisted?
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