fraud by mis representation

[andrew19081]

Hithere ,i was wondering if anyone could shed any light on the possible outcome of this-My wife (we are seperated) has taken out aproximately 20 payday loans in my name-without my knowledge over a 14 month period.She has confessed to doing these loans and i was just wondering what the sentence is she is likely to receive.

1st offences ever and monie totalling 25k

thanks in advance

[VHG]

More of a problem for you is the terrible credit rating this will give you for years.

You may find it hard to get a loan, mortgate or credit card.

[atalanta]

I wonder how the loan company accepted her requests. They must have some mechanism for sifting out frauds, or else they would lose a fortune. If she has forged your signature, or used your official details, such as your National Insurance number, together with her own bank-details, the loan company should surely have smelled a rat.
By the way, whose home address did she use ?
If she has used criminal methods to obtain money, she may well be facing imprisonment. But if she claims she had no choice ( if, for instance, she is looking after your children and cannot work, and you have not been paying agreed maintenance), a court may be more lenient.

[misspins]

atalanta, most of these payday loan companies do online applications which mean all they take is your bank details, work details and home address. They then call your work and ask to speak to you, I made the mistake of going for one and all they did was call my main office, ask to speak with me and my boss said she isn't in the office right now can I take a message? Payday loan company said no it's ok we'll try her mobile... and within an hour I had the money in my account. Not very secure at all and sadly it shows in this case too :(

[themas]

It's up to you what you do about this. From what you say, it looks very much as if she has committed fraud so you can go to the police & let them investigate & decide whether to charge her. That's probably the best way for you to get your own credit record cleared of all this debt.