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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

Victim of identify theft from online mail orders request goodwill from Retailer?

21 replies

OloOloOlo · 28/09/2023 11:02

Rather expensive electronic good sent to myself due to fraudster setting up new account in my name and obtaining credit (not store/credit card) from a well known online retailer. For the hassle and time to contact , stress and collection organisation is it reasonable to request a goodwill gesture? eg a money off voucher? Their processes were not good enough to stop the fraud and I dont even have an account with them.

A second courier turned up at my door, likely to be the fraudster themselves, to try and take the said goods to a second address,

IBU - No, it is part of today's world these things happen
IANBU - Yes, their processes failed and stress , time and collection should be noted

OP posts:

ButWhatAboutTheBees · 28/09/2023 11:09

If you've never had an account with them then they didn't cause the identity fraud, they were as much a victim surely?

RoomOfRequirement · 28/09/2023 11:12

What did they do wrong? If you want to jump to weird demanding money for everything culture, move to the US.

Hufflepods · 28/09/2023 11:23

Their processes were not good enough to stop the fraud and I dont even have an account with them.

The retailer's processes? Surely the issue is with your own banking security not the retailer.
Money off an item that you didn't order or want in the first place surely sounds like an odd thing to request?

Original poster

OloOloOlo · 28/09/2023 11:34

I just meant £20 quid voucher off or something. Apparently you can open an account with name , address and birthday. The first two you can get just by seeing letters through a post box. Birthday isnt too difficult either....

I think its rather harsh that it is my security around info, based on these three items, that has cased this fake account to be opened.

OP posts:

Original poster

OloOloOlo · 28/09/2023 11:35

This is not a banking transaction....a new account with Retailer was open and credit issued, ie buy now pay later. No sums of money actually left my current account.

OP posts:

Original poster

OloOloOlo · 28/09/2023 11:36

@ButWhatAboutTheBees Yes that is true, the online retailer is also a victim though as a national retailer i would hope their fraud processes would be top notch for theirs and customers benefit.

OP posts:

HicIocusEst · 28/09/2023 11:40

YABU (and grabby)
How did the fraudster know which address to use? And that you, living at that address, would pass the credit checks? Where did the emails go confirming dispatch and delivery?

Sounds like your privacy controls are a leaky sieve tbh. Not uncommon, but not the retailer's fault either.

Original poster

OloOloOlo · 28/09/2023 11:45

@HicIocusEst I accept sounds grabby and unfair to request voucher.

I received no emails no texts , just a parcel turn up one evening with my name and address on it. As a company director , my details are on the companies house website which i am guessing they could have got it from. I have learnt now the value of having a non residential company address.

Fraudsters would just apply on retailers website and if it does not pass credit checks then they would move onto whoever's data they have next to try and open another fradulent account.

OP posts:

ButWhatAboutTheBees · 28/09/2023 11:52

Pretty sure you will have had to link some kind of bank details to an account to open even for credit..

Flopsythebunny · 28/09/2023 11:58

Stop being greedy

CherryMaDeara · 28/09/2023 12:13

A second courier turned up at my door, likely to be the fraudster themselves, to try and take the said goods to a second address,

Did you hand it over?

Did the company let you keep the goods?

CherryMaDeara · 28/09/2023 12:15

Flopsythebunny · 28/09/2023 11:58

Stop being greedy

I don’t think it’s greedy to want to be recompensed for waste of time.

FictionalCharacter · 28/09/2023 12:18

YABU, not because “these things happen” but because it wasn’t the retailer’s fault. They received an order and fulfilled it in good faith.

Ascendant15 · 28/09/2023 12:26

CherryMaDeara · 28/09/2023 12:15

I don’t think it’s greedy to want to be recompensed for waste of time.

Show quote history

Just being a good citizen is recompense. Doing the right thing?

I've literally never heard of any retailer agreeing credit without any bank or card details. Seems very strange.

Original poster

OloOloOlo · 28/09/2023 12:31

@CherryMaDeara No i did not hand over goods. I said nothing is going anywhere until i have called retailer. The second courier /potential fraudster said they had a booking to take it onto another address

OP posts:

Original poster

OloOloOlo · 28/09/2023 12:33

@Ascendant15 i went onto retailer website...looks like "buy now pay later" type of scheme

OP posts:

Original poster

OloOloOlo · 28/09/2023 12:35

@CherryMaDeara Goods have to returned (rightfully). It was a rather expensive electronic item over £500

OP posts:

Startingagainandagain · 28/09/2023 12:45

Some strange responses...

She is not being ''greedy'.

This company clearly failed to conduct proper identity checks and carelessly gave credit to a fraudster.

It caused disruption for the OP and she had to deal with the retailer to sort it out.

Perfectly entitled to an apology, an explanation and a good will gesture.

OP I think you should be checking your credit report because once fraudsters get hold of your details, they often try to use them several times. Keep an eye on your file so you can spot any further problems early.

Theunamedcat · 28/09/2023 12:56

I was a victim of identity theft too I had a catalogue (like studio) hadn't ordered anything for years they hadn't sent me anything for years I moved house they decided out of the blue to send me a catalogue to my old address (i had changed my address online like everything else) suddenly a parcel turns up at my house with clothing lots of it turns out that the new tenant had ordered a stack of clothing in my name to my old house using my account I was unimpressed they said they weren't going to accept the return as it was my order (it wasn't) I pointed out that the clothing was all wrong this was all baby girl clothing and teen male clothing I had a pre teen girl and a toddler boy I wasn't a size 18 either they were scathing saying that I had obviously made a mistake but I needed to pay for it I said no accept the return NO called the police they wouldn't take action against her as there was "no harm done" I had the items gave me a police incident number and the catalogue took the items back they then closed my account blacklisted me and my address I couldn't get anything even as a guest (you pay before they send it) because of this basically treated me like a criminal because of someone else

Pathetic response I was glad they went bust

Thewizardbinbag · 28/09/2023 13:01

You and the retailer and both victims of fraud. Why on earth should they give you a voucher for something? It’s an unfortunate thing, but you’ve cleared it up so no one will be chasing you for payments and the retailer gets their stock back. It’s all done.

Going on and asking for a voucher from them just makes it seem like you were in on the whole thing, or made up the fraud in order to get some discounts on future orders. Just stop it. Honestly… out for all you can get isn’t a good look.

Original poster

OloOloOlo · 28/09/2023 13:02

@Theunamedcat how did you contact the new tenant and they willingly siad they were going send back? i'm surprised you found out in time?

OP posts:

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