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Unsure - Possible identity theft in Spain 2005/6

25 replies

TheGoatgotout · 29/05/2024 19:48

So…not brilliant relationship with parents who live 6 hrs from us. Used to think things were ok, but ever since DH and I refused to go in on buying a property 8n Spain with them, things have year on year become progressively more strained. They did end up buying the property, its value went down and they had to rent it out constantly to pay back the loans they took out to purchase. They basically blew my Dad’s pension and got 3 loans supposedly using my brother’s details etc. From that point on they’ve been Uber secretive and unwilling to go into details, even though it’s them brought the subject up. They’ve made my brother executor and POA, and again are as tight as clams whenever the subject comes up (they’re both in their 80s and Dad now has Parkinson’s.

During a call today mum was complaining that one of the Apps they need to use to sign documents won’t let them in. I work in a role using lots of IT and regularly encounter the ‘user error but I refuse to believe it’. They said they’d got my brother to have a go at getting in last week but he had no joy. When I suggested that I might be able to help mum fobbed me off then went into a bluster about ‘it’s all too stressful’ and turned the camera off and gave the phone to my dad. He said bye bye etc and all ok. 3 mins later he calls back and tells me ‘do not go on there, do not try, it is our private business, do not touch it’. I explained they hadn’t actually told me what ‘it’ was and nor do I have his credentials to even try. I was quite annoyed by this point as I really felt like something was being hidden.

years ago, when I went to stay with them for a few days, I was rummaging next to the phone trying to find a piece of paper to write on, and picked up a utility bill in my name, but their address. At the time I was in the military, living in military accommodation, about 600 miles away. I said what’s this, and my mum snatched it out of my hand and hid it saying ‘nothing, leave it alone’. They had money problems their whole life down to poor decisions.

Apart from obviously feeling crap at how things ended, I’m also concerned that maybe this account thing they can’t get into has something they don’t want me to see - if it’s money squirrelled away I honestly don’t GAF, it’s clear there’s going to be an unequal share of any assets they have - they now live in a 1-bedroomed mobile home so even if I were interested it’s not life changing.

But what’s worrying me now is - what if they’ve forged me on the finances for the property in Spain? They were in negative equity the last time my mum mentioned maybe selling it.

Is this a rant or what can I do? 😞

OP posts:
RickyGervaislovesdogs · 29/05/2024 19:51

I would’ve posted in legal. Not sure there’s anything you can do, you have no evidence only a suspicion.

Beautifulbythebay · 29/05/2024 19:53

Check your credit score for starters...

Beautifulbythebay · 29/05/2024 19:54

If you remember the company can you contact them? Google the Spain address and see if anything shows.

TheGoatgotout · 29/05/2024 19:56

I don’t know the address or the finance companies. The loans are from Spanish banks I believe. They’ve kept absolutely everything to themselves.

OP posts:
Theunamedcat · 29/05/2024 19:57

All these years you have never checked your credit score?

TheGoatgotout · 29/05/2024 20:01

Yes, I check my credit score. But would it show loans taken out from a Spanish bank?

OP posts:
Foodusername · 29/05/2024 20:01

I don’t have any advice but hopefully someone with expertise will come along.

I just wanted to tell you that I’m really sorry you are having to deal with this. It sounds really worrying but more to the point your parents sound shit and you deserved better!

pizzaHeart · 29/05/2024 20:03

I hope someone will be able to help you more with the relevant info.
I would start digging at this point very intensely. I’m surprised you haven’t done it when you saw the bill.

TheGoatgotout · 29/05/2024 20:03

My UK credit score is excellent, but I’m unsure if it is international?

@Foodusername thank you, it’s just the latest in a catalogue of horrible things 😞

OP posts:
MountCaramel · 29/05/2024 20:04

Can you find out who the registered owner of the Spanish property is? Is there a way to find out if any loans have been fraudulently taken out in your name?

TheGoatgotout · 29/05/2024 20:06

@pizzaHeart its part of the toxic dynamic that I didn’t do anything with the utility bill. It was also pre-Internet and public access to credit scores, didn’t enter my head. I didn’t want to report them as they were my mum and dad! Now realise how fucked up that is.

OP posts:
GetyourheadoutoftheovenIris · 29/05/2024 20:08

If your brother is the favoured child can he ask some questions.

TheGoatgotout · 29/05/2024 20:09

@MountCaramel as apart from the resort I have no clue of the property address….looking back it’s so obvious that they’ve done everything possible to keep me in the dark.

If something has gone on, it would appear my brother is in on it too.

OP posts:
2Old2Tango · 29/05/2024 20:11

I think it's worth checking your credit report in the first instance to see if it's showing anything you don't recognise.

RacketsAndRounders · 29/05/2024 20:16

Do you remember the name of the utility company?

Can you bluff them with a surprise visit nd some blustery words saying you've just had X utility company on the phone in relation to the bill you found and they've given you two options on how to proceed and do they want to tell you right now what that's all about or are you going to phone them back and give them a decision on how to proceed.

RawBloomers · 29/05/2024 20:22

Apparently, almost all loans in Spain are registered on the central credit register, you should be able to get a copy of your records on that register to see if your parents have taken out a loan in your name.

You may find it helpful to get help from a Spanish or Spanish speaking friend, though.

https://www.bde.es/wbe/en/para-ciudadano/gestiones/informacion-riesgos-cir/#

Central Credit Register

Central Credit Register

https://www.bde.es/wbe/en/para-ciudadano/gestiones/informacion-riesgos-cir/#

TheGoatgotout · 29/05/2024 20:41

Thank you @RawBloomers I can follow basic Spanish so will have a read of that. Initial scan seems to indicate there are documents I would need.

OP posts:
FairFuming · 29/05/2024 21:10

I have no advice but it sounds like a terrible situation. Are you close to your brother? Would be tell you if you asked the right questions?
I think you're right to suspect something as their behaviour is bonkers.

TheGoatgotout · 29/05/2024 21:43

Not close enough to brother to ask him or trust his answer.

Its rubbish.

OP posts:
Sharptonguedwoman · 29/05/2024 21:48

Lock your credit on Experian or whatever. It will alert you to credit searches done in your name. Ask a solicitor/accountant/the CAB what you can do to find any accounts in your name that you are not aware of. Good luck.

TheGoatgotout · 29/05/2024 21:52

I’m all over Experian etc. in the UK. The problem is, UK credit scores don’t examine anything out of the UK. The loans are with Spanish banks, I know. My brother went over with them a couple of times to sign documents.

OP posts:
Gazelda · 29/05/2024 22:10

I think you should post in legal. And maybe include 'Spanish' in the thread title.

Ceebs85 · 29/05/2024 22:26

They must have taken out loans in your name, I'm so sorry OP

Theunamedcat · 29/05/2024 22:56

TheGoatgotout · 29/05/2024 20:01

Yes, I check my credit score. But would it show loans taken out from a Spanish bank?

I'm sure it should? I'm basing it on a very specific HSBC fraud committed against my family member but that was America and it showed up maybe Spain is different

TheGoatgotout · 29/05/2024 23:09

Thanks @Theunamedcat I have done some googling tonight and it certainly seems like it doesn’t go across.

Theres no random DD coming out but my fear is my name is on some debt they will leave and I have no way of proving it wasn’t me! Dad is in the early stages of Parkinson’s and previous to today, several times I’ve expressed concern they’re going to leave my brother with their debt. After their reactions today I’m worried if it’s bloody me left with their debts!

OP posts:
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