Loan has been took out in my name

A question about : Loan has been took out in my name

I just checked my free credit report through Noddle again today and I'm in a panic and need to know what I need to do and where I need to start.

It seems a loan has been taken out from a company named 'Gresham' for Ј110 in June, the balance in July is Ј120. I have not taken out this loan so obviously I've become a victim of identity fraud.

I need to know what I need to do to get this stopped, I'm trying to stay calm and not go off in a blind panic! I've tried googling 'Gresham loan' and it seems to me to be some sort of payday loan company?

Any advice is MUCH appreciated!

Best answers:

• Readi this section https://www.cifas.org.uk/identity_fraud and ask about protective registration. This means that the person who has done it cannot do the same again. it does mean that applications for credit you make will take longer to process but might be worth it.
  Write to Grasham rtomorow and send a copy to the credit agency with which this loan is listed, denying the debt and demanding a copy fo the loan documentation.
• I'm trying to find any contact details or company information on Gresham but I can't! Do you know where I can get this info from? This doesn't appear on my Equifax report which I've just checked.
• Provider: Gresham
• Account Type: Unsecured Loan

I can't find any details for this company to inform them that I did not take this loan out! I don't know what to do to get this stopped?

• I have looked on Companies house and there must be a hundred companies called gresham something or other.
• How would I know which one is a creditor that gives out loans and is the company I should be contacting?
  I went on and only could find one company?
• Hi Gemma,
  I could be wrong, but would think they'll send you a statement very soon. Hopefully you will then be able to contact them and proceed from there.
  Good luck
  Red
• Hopefully they do - I'm eager to get this sorted asap but have no way of knowing who or what this Gresham company is. I have my Equifax report and it doesn't report on there, also getting my Experian report just in case.
• Hey Gemma,
  What about these people:
  GRESHAM FINANCIAL SERVICES LTD
  4 The Maltings
  Roydon Road
  Stanstead Abbotts
  Hertfordshire
  SG12 8HG
  T: 01920 872400
  F: 01920 871623
  Maybe worth just phoning and ask to discuss an account you think you might have with them - think they have a debt collection department but it seems to be for commercial stuff.
  Look at this article too https://www.csaconsumers-uk.com/consu...ws/9/statement
  Good luck! Hope you get it sorted!
• I have had this....
  I was getting phone calls (3 a day once, till I said that I was going to report them for harassment)
  turns out someone used my name, I have a very unusual last name. But they had not used my address, never did find out the company or the amount that I was supposed to have borrowed, as this was a collection agency, and would not discuss it with me once they found out that it was not my debt.
  So I am really not sure how to clear my name.
• I was contacted by a loan company at my work stating that i had taken a loan out with a 5000% apr and they I had missed the payment. I informed them that i had never heard of them nore taken out a loan. they then told me the address i had given which i didnt recognise and have never lived at. I contacted the police and got a crime reference number. i then phoned them back and told them that i had reported it and that they are the victim of the crime if they have been decieved through falce representation then they should contact the police and report it. I have ordered my credit report to check what the damage might be.
  I can't seem to find any info on what my rights are what the legal obligations of a loan company are and how things will proceed, once you dispute a loan if someone else pretended to be you to get it.
  what more should be done?
  Thanks
• I want to update this to say I have now found out what it is. I took out my home insurance through Barclays in June, and did the monthly payment option as it was 0% APR anyway. This is displayed on my credit report as a loan. The insurer of Barclays Home Insurance is Gresham Insurance Limited.
  Panic over, I can breath a sigh of relief.
• Thank goodness for that!!!!!
  I just signed up to Noddle and saw that and nearly had heart failure!!
  Good old website to the rescue as usual!!
• I have a Gresham credit agreement now as my Barclays home insurance converted to this method last June. I am really annoyed. Having watched Martin on a TV show tonight I explored lowering my insurance premium. I currently pay Ј90 p.m and direct line have quoted me Ј25 pm for the same. I have a feeling the credit agreement will now lock me into the Barclays policy for another 6 months until it runs out. Am i correct?