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#Post#: 7072--------------------------------------------------
Identity 'theft' - fixing issues
DIR By: The Rookie
Date: October 9, 2023, 8:38 am
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Youngest daughter has been the victim of an identity fraud.
Background (short version) someone opened a bank account using a
similar name (different middle name to hers) and using her
address, they then used that account to make 2 fraudulent
purchases in her name. They also attempted to open a second
account in her name but the bank in question caught an error in
that application and it was stopped.
As soon as paperwork came to her she reported it to the bank and
both retailers, the bank and one retailer investigated and
immediately made sure that the details weren't attached to my
daughters credit file and she's received nothing more.
Now for the basis of my post, O2 have been fundamentally cr@p,
despite being reported to them back in June, due to an internal
cock up it didn't get to the fraud team until mid July, and then
she's since been told 3 times they are investigating and will
reply in 10 days and they never do. The non payments are
showing on her credit file with the main agencies and O2 have
rejected correction requests made via the credit agencies. She's
requested a letter of deadlock to take it to the communications
ombudsman but so far they have neither provided one nor even
responded to the request, as she isn't the customer we can't
take it to the ombudsman without without stating she is the
customer (which would seem to be a bad move!). At one point the
fraud team claimed they had tried to contact her (by using, you
guessed it, the phone number attached to the fraudulently
obtained phone) but she's had nothing since. O2 customer
services were so dumb, when they agreed for £70 compensation for
the hassle in her having to keep ringing they proposed adding it
as credit to the fraudulent accounts (yes really).
To add further complexity, O2, despite investigating the
transaction as fraud (or at least saying they are!) have also
now sold the debt on to Lowell's Debt Collection Agency.
Starting with O2, anyone have any ideas how to get them to
engage as right now they are being useless, our next step is an
email to the CEO (which we've found the address for).
With respect to Lowell, we have started a complaint and will
take that to the CSA as their professional body, this has only
just happened so early doors.
#Post#: 7092--------------------------------------------------
Re: Identity 'theft' - fixing issues
DIR By: DancingDad
Date: October 9, 2023, 1:38 pm
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One wonders what a SAR for information that O2 holds on daughter
(full, correct name) would bring up?
Cannot see why ombudsman cannot be involved, after all O2 seem
to be chasing daughter which makes daughter the injured party,
even if not a "customer" except in O2's mind.
Other then that, email to CEO may get something
moving....shotgun email to all "names" you can track down may
get attention.... .
Media/social media may wake someone up?
#Post#: 7118--------------------------------------------------
Re: Identity 'theft' - fixing issues
DIR By: The Rookie
Date: October 10, 2023, 4:50 am
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Thanks
Phoned ombudsman, as O2 consider her the customer they will
consider the complaint even though she'd not.
As it's not strictly my daughter's data we can't SAR for it!
Social media has so far been as useful as customer services!
#Post#: 7120--------------------------------------------------
Re: Identity 'theft' - fixing issues
DIR By: DancingDad
Date: October 10, 2023, 5:31 am
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--- Quote from: The Rookie link ---
>
> As it's not strictly my daughter's data we can't SAR for it!
> ..........
>
--- End Quote ---
You can SAR for details re your daughter.
The way I see it, they come back with no data held
Or with the data of the fake ID
If the first then you can use that as proof to get action on the
credit markers and to block the debt collectors.
If the second, then you have proof that O2 are holding false
information.... I'm not sure where the next level with that is
but information is gold
Good news on the ombudsman... I thought that may be the case.
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