Re: Identity Theft - Credit


<jjamies@xxxxxxxxxxxxx> wrote in message
news:1136112417.055678.115020@xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx
> """But it appears that the companies involved haven't made any serious
> attempt
> to check identity. Why would they bother with fingerprints"""
>
> The only check they have to make is to follow the genuine persons
> instructions and ensure that a print is submitted. They dont have to
> check the print. The only time that a print would be checked is if the
> genuine person questioned an account/loan taken out in fraudulently in
> their name. Thus this is the simplest way a victim can prove their
> innocence, while furnishing the police with forensic evidence.
>

No the first thing they would need to check is the request lodged with the
credit reference company. If you are saying they should check everyone's
fingerprints, fine.

There is no question of me 'proving' my innocence. I have told the companies
involved that the accounts were not opened by me, that should be end of
story. They can report it to the police. I assume these accounts were opened
in shops, they should have security cameras etc. It just shouldn't be my
problem.

> ""I'm also concerned that such a check may hinder my use of my credit
> card over the
> internet etc."""
>
> If anything it should speed things up. Where a signature is required
> at point of delivery for goods (this would be the retailers/carriers
> decision), then the on-line retailer/carrier would be furnished with
> information that the card user (or their representative) will sign AND
> print for the goods. No print no delivery no theft.
>

I have also suffered false card not present debits to my credit card. I
phoned up my bank told them which payments weren't mine and they sorted
everything out. No waiting ages on the telephone. No having my calls and
letters ignored. No stress (I would recommend First Direct to anyone).

This is on an account I had opened, with a company I had requested doing
business with. I certainly don't see why I should be expected to waste my
time sorting out the problems of companies I have no relation with.


> When fraud is committed, online (CNP) retailers suffer a double whamm
> loss of the cost of the goods and loss of the goods themselves!
>

Sure but it is these companies who should be careful. They shouldn't expect
totally innocent third parties to waste time and expence sorting out the
problems they have with their business model.


.

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