Fraud

[naomi24]

Having split from his partner, a friend’s son has since discovered that she ordered several thousand pounds worth of clothing and other items using his bank cards. As far as I can ascertain having entered into credit agreements with on-line companies, she has now presented him with a number of final demands for payment and the companies involved have told him that since he was living at the address when the orders were placed he is responsible for payment.

It’s impossible for him to prove to his bank that he didn’t place the orders, but he didn’t, so what’s the solution? Must he just grit his teeth and bear it?

[dannyk13]

Naomi, I would advise him to report it, He has nothing to lose by doing so.

[emmie]

try the CAB first, then see what happens afterwards, if a solicitor has to be employed then so be it.

[barry1010]

How has she 'presented him with final demands'? His cards, his accounts, so surely the final demands go directly to him?

[bhg481]

Naomi - absolutely not, but it does give the bank an opt-out clause. It's just going to be very difficult to prove there was no consent from him.

[naomi24]

She gave them to him when he went to pick up his little boy. He doesn't live at the address now, barry. He's never had anything to do with those companies but that's the address they have for him.

[fiction-factory]

So is she opening his post too?

[fiction-factory]

Too late now, but I'd have stopped the cards and got replacements when I moved out. The bank may say he should have done this.

[naomi24]

Clearly... but it is post that only she was expecting.

[barry1010]

You mean she obtained credit cards in his name and didn't just use his cards? That puts a whole different light on it

[fiction-factory]

Well if he hasn't done so he'd better stop/change the cards and change his address on their records before things get worse

[naomi24]

Barry, no, she used his cards.

FF, I've already said he's changed banks - and he has spoken to the companies involved.

[fiction-factory]

Okay. I'm not sure why the post has been coming to his old address. But if you're happy he's done all he can I'll leave it

[gulliver1]

LOL.

[naomi24]

FF, //I'm not sure why the post has been coming to his old address. //

I would have thought that was obvious. She ordered goods on cards that, at the time, were registered to that address. Therefore the companies are sending mail to that address. He has never had anything to do with those companies.

[fiction-factory]

I know I'm not at your level, naomi, but if they are final demands then that suggests they haven't been paid. So it's an agreement he wasn't party to. Just say 'wasn't me'

[THECORBYLOON]

FF, how would he prove it wasn't him? Easier said than done?

[fiction-factory]

Maybe he should wait for them to send the bailiffs round

[naomi24]

I won't bother to respond to your sarcasm, FF. He's said 'It wasn't me'. It didn't work.

[naomi24]

//Maybe he should wait for them to send the bailiffs round //

She's given all his stuff, clothes and all, to a charity shop. It's an acrimonious split.