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.
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.
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.
I will try.
However, it wasn't easy talking to them today.
It was a constant "Sorry, we can't give out any info." again and again and again.
Looking on Experian it was all done on the 22nd, policy started then, cancelled then and letter sent out to us same day.
I see that the email used to log into comparethemarket has been compromised so many times over the years. As in databreached with so many different websites. From MyFitnessPal through to Houzz and dozens more, so could have been info emails and passwords stolen years ago or last week.
However, it wasn't easy talking to them today.
It was a constant "Sorry, we can't give out any info." again and again and again.
Looking on Experian it was all done on the 22nd, policy started then, cancelled then and letter sent out to us same day.
I see that the email used to log into comparethemarket has been compromised so many times over the years. As in databreached with so many different websites. From MyFitnessPal through to Houzz and dozens more, so could have been info emails and passwords stolen years ago or last week.
Olas said:
simple solution is to have wifey ring up and cancel.
The policy was already cancelled. They knew it was fraudulent, they sent us a letter to say it had been cancelled, and if it was us that tried to set it up please get in touch because the car is not insured. You would think a phone call would be a good idea, but then I suppose they may have been ringing the fraudster?
They seemed to think it really was a non issue "happens all the time" but I wish they would have just answered a few basic questions to put our minds at rest, and data protection for someone who has stolen identity is, imho, crazy.
I asked "If I give you our account number can you just confirm it wasn't the one you had, so we know our bank details haven't been compromised?"
"I'm afraid we can't share that info."
"Could you tell me what the car and reg was for the car that is set up in my name?"
"I'm afraid we can't share that info."
"Was the agreement done through comparethemarket?"
"I'm afraid we can't share that info."
It was like the time Sky got solicitors and then bailiffs onto me for someone who lived next door. No matter how many phone calls I made explaining that they lived next door they didn't want to know and kept saying they couldn't discuss it with me as they could only talk to the account holder.
The couple next door had moved to Cape Town some 7 years previously, they cancelled Sky, Sky continued to take payments from their UK account.
The couple sent their bank the letter they had received from Sky saying the account had been cancelled and all monies owed had been taken. They then continued to take £80 a month for the next 7 years or so, which the bank recalled when the neighbour sent them proof it should not have been taken.
Sky chased them for the money saying they still had an account and now owed 7 years worth of payments.
I tried to explain to Sky that they lived in Cape Town, were Swiss anyway and were never coming back to the UK and that they couldn't talk to them as the number for Sky back then could only be called from within the UK. Give me a number for them to call you on from overseas? We don't have one.
It took the bailiffs to turn up, me show them all correspondence and within 3 minutes say "Typical Sky, idiots. Forget about it, we will sort it for you."
But up to this point went on for months and months, probably a year and a half and 50+ phone calls, and was really affecting my credit score towards the end.
Alucidnation said:
If the policy has been cancelled, what is it you are wanting to achieve?
As I said in the op. gizlaroc said:
Anyway, just thought I would mention it.
It was more to see if I needed to do anything else or if anyone had this happen to them. Got some good useful replies.
Edited by gizlaroc on Tuesday 25th February 15:58
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