Fraud

[User141665468]

Not really a AIBU but I need some advice and this is a busy place.

Someone I know has racked up debt in my name. I authorised them to use a card for one transaction and it's escalated and now cards are at the limits and I only found out because I was refused credit. I don't want to prosecute this person, I've put a fraud claim in with a card but just wondering if anyone knows what happens next?

You don't decide to prosecute, or whether charges are brought forward. Only police/CPS do that.

You report the theft (and it is still a theft, regardless of previous authorised use) and police investigate and establish if charges will be brought or not.

She could have a defence to the accusation by saying that she reasonably believed that, had she asked you, you would have said yes. If no other witnesses or evidence to the contrary, the likelihood is that it will be closed with no action taken, as will come down to your word against hers.

However, you will get a crime number and it will remain on intelligence system showing that she was once a suspect for this, which may be relevant should she do similar in the future.

It would then be up to your bank if they refund you on the basis that you reported the theft to police. But I think you have more chance of a refund by reporting it as opposed to not.

User- you arent the only one to be as silly. I did very similar.
My husband needed a car, he looked for a car, came up with these ideas of buying a car that was a year old. hmm. can you afford it? hmm. if you can, get on with it. dont involve me.
So what happens is he faffs about, the following week, says i want you to see this car. we go off to see the car. yes, lovely. You like it enough to have driven back to show me, get it if you are sure you can afford it.

Sat in the little office he explains his credit was really bad. man offers to try both of our credit files. oh I dont know i say, I cant afford the payment really. after a bit of talking I say yes ok, sure that I wouldnt be approved for a £12k loan on a car, i didnt even drive!

I was approved. My husband went bankrupt 3 months later, guess who was left paying the finance for the next year on a car when they didnt even drive?

its hard getting through it because its hard to know which way to turn. however, in that position again, I wouldnt do it. My husband has been released from his bankruptcy, everything is ok for him. Hes managed to get new credit cards etc, when i am still in quite a lot of debt.