09 Mar 2015

A question about : Advice about fraud with Three

My Ex partner has committed ЈЈЈЈs of identify fraud by taking out countless payday loans and contracts with phones in my name when he had complete and abusive control of my bank accounts, cards, whereabouts, life....

I have reported all of this as fraud, but 5 months later the police have not yet forwarded the case down to the county that need to deal with it.

One of these debts is a 18 month contract broadband dongle with Three - it is on Credit File, and has brought me into 'low' which means I can't get a new bank account, and I'm scared it's going to affect me moving towards my job in a few months time.

After trying to call Three, and Credit Expert (who were lovely) talking to them, I gave up and went into a Three store. When you call their customer service, it asks you for your number, as this account was set up fraudulently, I didn't know the number, or even what it was for at the time.

The guys in the store were extremely helpful, and raised my case to their Fraud department there and then.

I got a call back from the Fraud department today, who have told me;
They can't do anything or investigate.
They have to wait for the police to contact them telling them it's fraud (and yes, they understand this might take close to a year)
They will not close the account.
Late payments will continue to accur and throw my credit report score even lower.
I should just pay the Ј50 owning and the termination fee totaling Ј170 if I really want it off my credit report.
I don't know what to do. I thought they'd be able to see clearly I didn't set the account up, I've never signed anything, my email address certainly isn't associated with the account etc - I was living 300 miles away from where he was using it.

The police aren't likely to do anything soon, meanwhile, this one debt is 2 or 3 negative points on my report stopping me from moving on from an abusive relationship and getting my life back together.

Best answers:

  • Hi
    You say you cannot open a new bank account - try applying for a basic bank account at a bank that you don't have any old account at. Basic bank accounts are not subject to a credit check.
    You say you are scared its going to affect you moving - do you mean physically moving - as in renting a new property? If so then a default or missed payments on your credit file will not show up on a credit check done for rental purposes by a letting agency. For a rental credit check all they can see is the public information that is whether you are on the electoral roll and whether you have any CCJs or have been bankrupt or in an IVA or DRO.
    With regards to these
  • They have to wait for the police to contact them telling them it's fraud (and yes, they understand this might take close to a year) have you given them a crime number in relation to this?
  • They will not close the account. presumably the contract has been terminated - i.e presumably he can no longer use that number?
  • Late payments will continue to accur and throw my credit report score even lower.does your credit file have a default showing for this account? if so then further non payment will not make your file look worse
  • I should just pay the Ј50 owning and the termination fee totaling Ј170 if I really want it off my credit report. it won't go off your credit file even if you did pay them this amount. It would still show on file and still show the historical late payments/default or whatever is showing at the moment.
  • Has he stopped applying for new credit in your name now? if not then I would consider looking in to CIFAS protective registration.

  • Thanks Yes, I meant that my credit report would show me to be a bad bet for an estate agents. I have 4 CCJs - since I left my Ex, I have made a concentrated effort, and payed off 3 of those, and paying off the last one at Ј10 a week.
    "With regards to these
  • They have to wait for the police to contact them telling them it's fraud (and yes, they understand this might take close to a year) have you given them a crime number in relation to this?"
  • I have a case number, I told Three I had one - he wasn't interested in taking it down.
  • They will not close the account. presumably the contract has been terminated - i.e presumably he can no longer use that number?
  • The account has been suspended, but not terminated until the police tell them it's fraud, or I pay the terminated fees. It will still gain the monthly fee every month I do pay it apparently.
  • Late payments will continue to accur and throw my credit report score even lower.does your credit file have a default showing for this account? if so then further non payment will not make your file look worse
  • Yes, the default is Ј50
  • I should just pay the Ј50 owning and the termination fee totaling Ј170 if I really want it off my credit report. it won't go off your credit file even if you did pay them this amount. It would still show on file and still show the historical late payments/default or whatever is showing at the moment.
  • Has he stopped applying for new credit in your name now? if not then I would consider looking in to CIFAS protective registration.
    I think I might already be protected by those... I'd have to check, I know Credit Expert have put a note on my report, and I've got a password with them.

  • Also - just to add, I do have a bank account, but because they allowed my Ex to do so much fraud through my account, I just don't want to stay with them.
    Not that I hugely blame them - he called them putting on a girls voice, knew my secret passwords, got my post before I did, was using my card so I never knew what the recent transactions were etc - it's just bad memories.
    Seems I may have to stay with them for a little longer.
  • Why don't you contact some of the high street banks and find out what extras they offer for basic bank accounts? I opened one up with HSBC and within a year when I had demonstrated I could manage my money properly they upgraded to a current account and I got a visa.
    Some basic accounts do and don't offer visa/maestro cards.
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