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Mumsnet has not checked the qualifications of anyone posting here. If you need help urgently or expert advice, please see our domestic violence webguide and/or relationships webguide. Many Mumsnetters experiencing domestic abuse have found this thread helpful: Listen up, everybody

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Original poster

Sister fraudulently applying for loans in my name

22 replies

Mrsmadevans · 27/03/2021 15:29

Houston we have a problem hmm l thought l would ask you here for some help please smile
I am trying to advise my Dd2 BFF. Her sister is fraudulently applying for loans in her name. She only found out by accident bless her , the company sent her a Direct Debit Letter to set up the payments , so she rang the company and they worked out between them it was her sister, her sister achieved the first loan but since then there have been 3 other attempts in the last 3 days which have been declined. She doesn't know what to do about it . She is NC with her and although their relationship is non existent she doesn't want to report her to the police. I am finding it difficult to advise her what to do tbh, any ideas please? She's a lovely girl just hasn't got much idea what to do and am afraid l haven't either ! Thank you !

OP posts:

Changethetoner · 27/03/2021 15:31

Her credit rating is going to be ruined if there are multiple attempts at getting credit in her name - so she's being daft if she ignores it and doesn't report it as fraud.

ReginaaPhalange · 27/03/2021 15:33

I've been in this situation before with an ex. No company will deal with it until the police have been informed. This is her only option.

AttilaTheMeerkat · 27/03/2021 15:34

Has the original loan application that went through been cancelled?.

This does need to be reported to the police as its fraud. Your friend would be remiss not to report this even though she has no contact with her sister.

Berthatydfil · 27/03/2021 15:35

She needs to register a caution (I think it’s called) with Experian.
However she really needs to report the fraud to action fraud as well as now she knows about it she is tacitly saying it’s ok by not doing it. What will happen when the sister defaults and she gets bailiffs knocking to door ?

Aquamarine1029 · 27/03/2021 15:37

She absolutely needs to report this to the police in order to protect herself. To hell with her criminal sister, this is her financial security she's playing with.

Insomnia5 · 27/03/2021 15:37

If she doesn’t want her credit ruined and bailiffs at her door, she needs to report it to the police

Remona · 27/03/2021 15:39

Whilst I can understand her not wanting to get the police involved, I don't see she has a choice. This is fraud, pure and simple. As a PP said, her credit score will be adversely affected and it's likely she wouldn't be able to get a mortgage, finance etc. never mind all the aggro that would come when the sister isn't paying off these fraudulent loans. Family or not, she must speak to the police. This has to be dealt with promptly to avoid a bad situation becoming even worse.

MixedUpFiles · 27/03/2021 15:41

She really doesn’t have a choice, she has to report this to the police. If she doesn’t it might not just impact her ability to get credit. Depending on her career path some day it might even impact her ability to get certain jobs.

CuriousaboutSamphire · 27/03/2021 15:46

She needs to do 2 things as soon as possible.

Call the police and tell them what is happening.

Without police involvement any company that makes a loan won't take the steps she wants and needs them to take.

If she leaves this it could cause her all sorts of issues for decades. She can't ignore it because it is her sister doing this.

TakeYourFinalPosition · 27/03/2021 16:00

This happened to me, but it started with my mum, and then my sister.

She has to report it. If she doesn’t, she’ll be held liable for the debts.

Original poster

Mrsmadevans · 27/03/2021 16:06

Thank you all so much for replying so speedily and taking the time to help. I have told her what you have all advised and she has raised a caution with the credit checker Experian, they have red flagged her account and are investigating . Thank you again , your help was invaluable & very much appreciated

OP posts:

frozendaisy · 27/03/2021 16:07

www.google.com/amp/s/amp.theguardian.com/money/2017/sep/23/foolproof-way-to-stop-id-fraud-credit-file-thumbprint

Link to how you can put your fingerprint on your financial records ........not sure how it works with an online application only but might lead you to the right information.

WeatherwaxLives · 27/03/2021 16:11

She really doesn't have a choice. A friend discovered her mother had taken out credit in her name and completely destroyed her credit rating when she tried to get her first mortgage.

She was told the only way to sort it was to report to the police as fraud. She couldn't face having her mother prosecuted, so last I heard she was paying the loans her mother had taken out in an attempt to repair her credit rating. It's going to take at least 10 years. Assuming her mother doesn't take out any more fraudulent credit, which is quite likely.

Aquamarine1029 · 27/03/2021 16:12

This happened to me, but it started with my mum, and then my sister. She has to report it. If she doesn’t, she’ll be held liable for the debts.

Agree with all of this. I know someone who went through this nightmare and sadly they didn't report the fraud to the police. Not doing so still haunts them to this day. Please encourage her to protect herself. Her whole life could be fucked because of her horrible sister.

CuriousaboutSamphire · 27/03/2021 16:14

If she feels she can't contact the police because it's her sister help her find her anger... Her sister has shown no equivalent care for her. She isn't causing anything, her sister is the only cause of any possible fallout.

Original poster

Mrsmadevans · 27/03/2021 16:20

@frozendaisy

www.google.com/amp/s/amp.theguardian.com/money/2017/sep/23/foolproof-way-to-stop-id-fraud-credit-file-thumbprint

Link to how you can put your fingerprint on your financial records ........not sure how it works with an online application only but might lead you to the right information.

Thank you vey much FrozenDaisy that is really an excellent way to protect ourselves !

OP posts:

BigPaperBag · 27/03/2021 16:47

She’s NC and her relationship with her sister is non-existent. Her sister clearly doesn’t give a shiny shit about your friend so she has to man up and report her ASAP. Then go an take some popcorn when she’s in court for fraud.

Original poster

Mrsmadevans · 27/03/2021 16:51

@BigPaperBag

thank you

OP posts:

Colourmeclear · 27/03/2021 18:38

She will need to report it to the police. If she doesn't the company may assume she was in on it and they will still expect her to make payments.

Depending on the size of the loan this will also affect things like applying for mortgages, additional credit etc.

DennisTMenace · 27/03/2021 18:47

Police, Action Fraud and register with CIFAS. She needs to prevent it happening again as well as dealing with the identity fraud that has already occurred.

Original poster

Mrsmadevans · 27/03/2021 18:47

Colourmeclear she is going to report it , she has read all the replies here and it has worried her in regards to her future bless her , thank you all for your replies you have all been absolute starts !

OP posts:

Original poster

Mrsmadevans · 27/03/2021 18:53

STARS!

OP posts:

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