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Original poster

friends daughter applied for credit card in her name without her knowledge - advice needed

8 replies

anastasia74 · 08/05/2009 19:02

My friend told me today that her daughter applied for a credit card in her name without her knowledge. This happened a while ago, and she found out about this about a year ago - but she has only just told me, shes very upset. The daughter knows that her mum has found out about the fraud, there is already a few thousand pounds debt on it. Daughter still lives at home.I need to sort this out for my friend. what can I do,thanks.

OP posts:
inscotland · 08/05/2009 21:03

Why can't the mother sort it out herself? Give her a fright from the Police as it is fraud. Let them speak to her and tell her what would happen if it went to court.

It needs paid off. Take a proportion of daughters wages or refuse any pocket money/allowance until debt is paid. Tell her to have a car boot sale to help repay the debt.

nannyL · 09/05/2009 11:20

agree with inscotland

also how old is the daughter?

does she work, if so then she (daughter) needs to repay it (+ interest) so obviously no (or limited) new clothes or nights out or DVDs etc... if duaghter doesnt like it police can be involved

savoycabbage · 09/05/2009 11:23

I'm with them!

If she has spent a few thousand pounds I would be down on her like a tonne of bricks.

flowerybeanbag · 09/05/2009 14:34

Agree with everyone else. I can't see how you can sort it out for her, surely the only person that can sort it out is the mother, with the help of the police if that's needed. Not sure what you could do?

annh · 09/05/2009 15:51

Assuming that the daughter can't/won't pay the money back, the only way this can be solved is for the mother to speak to the card company and either come to some agreement regarding repayment herself or get the card company to write the debt off to fraud. However, they will only do this if your friend will prosecute her daugher for the fraud. Understandably, many people do not wish to prosecute their own family so end up repaying. I don't know of any other way out of this.

Original poster
anastasia74 · 09/05/2009 15:54

I'm trying to offer emotional support to her.The daughter is 25 and still lives at home. I have suggested calling the police with my friend,but she doesnt want her to end up with a criminal record. She has lived with this going on for a year now -so has got over the initial shock/anger etc. she just wants to gain control again without involving police and stop any more debt going on the card.

OP posts:
flowerybeanbag · 09/05/2009 16:50

Stop more debt going on the card? Isn't the card now cancelled?

If it's not, obviously it needs to be, and if it's in your friend's name, she ought to be able to cancel it I would think, unless I'm missing something? Then it's just a case of getting the existing debt paid off.

annh · 09/05/2009 18:48

By more debt, I really hope you mean interest payments on the existing amount and not new expenditure! You still haven't told us what the daughters attitude is - has she refused to pay back any money, do her parents have any way of getting access to her money? If she lives at home, I would be inclined to take any of her belongings which are saleable - electrical stuff, music etc - and sell it to pay off some of the amount. It seems fairly drastic and is unlikely to endear your friend to her daughter but presumably relations can't be good at the moment if your friend is aware that her daughter has defrauded her and seems uncaring of the consequences, so what has she got to lose?

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