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Identity stolen by gambling addict house mate.
Hi there,
A new user here, so apologies if this is the wrong forum.
My wife (seperated) has recently found out that the person she has been sharing a house with, has run up nearly £20k of credit card debts, on dormant credit cards that she already held, by stealing/concealing post, and using their access to her personal space to acquire the necessary details to set up gambling accounts in her name, linked to her credit cards. Obviously she was unaware of his gambling addiction when she set up her living arrangements. It would seem that gambling addicts are very adept at hiding their problems.
The credit cards were mostly dormant for a number of months prior to this point, with little or no balances on them.
Because she was not using the cards at all, and had recently moved house, she had didnt notice that the statements were not being received, and likewise she was not checking the accounts online for the same reason.
The debts were run up over a period of approximately 3 months, and she is now facing approximately 20k of debt, with 800/month repayments, which fed the gambling habit of her housemate.
The credit card companies are refusing to accept any liability or show any interest in her case, because obviously they don't to accept the debt as their own while they can avoid it, and are saying that because she cant prove that it wasn't her who has the gambling problem, she has to pay up.
Firstly, should the credit card companies not have have spotted themselves a sudden, remarkable and very suspiscious change in activity and made every effort to contact her before the debts escalated in this way.
Secondly, since she is still in posession of the cards themselves, surely liability for the fraudulent transactions rests with the credit card companies themselves?
At the moment, they (the credit card companies) are saying she will have to take them to court to resolve the issue. Is this the case, and if so, are the legal specialists who can offer assistance with this kind of case? Or would a professionally constructed letter to the write dept be sufficient to get them to take their own responsibilities more seriously?
Many thanks for any light you can shed,
chartley101.
A new user here, so apologies if this is the wrong forum.
My wife (seperated) has recently found out that the person she has been sharing a house with, has run up nearly £20k of credit card debts, on dormant credit cards that she already held, by stealing/concealing post, and using their access to her personal space to acquire the necessary details to set up gambling accounts in her name, linked to her credit cards. Obviously she was unaware of his gambling addiction when she set up her living arrangements. It would seem that gambling addicts are very adept at hiding their problems.
The credit cards were mostly dormant for a number of months prior to this point, with little or no balances on them.
Because she was not using the cards at all, and had recently moved house, she had didnt notice that the statements were not being received, and likewise she was not checking the accounts online for the same reason.
The debts were run up over a period of approximately 3 months, and she is now facing approximately 20k of debt, with 800/month repayments, which fed the gambling habit of her housemate.
The credit card companies are refusing to accept any liability or show any interest in her case, because obviously they don't to accept the debt as their own while they can avoid it, and are saying that because she cant prove that it wasn't her who has the gambling problem, she has to pay up.
Firstly, should the credit card companies not have have spotted themselves a sudden, remarkable and very suspiscious change in activity and made every effort to contact her before the debts escalated in this way.
Secondly, since she is still in posession of the cards themselves, surely liability for the fraudulent transactions rests with the credit card companies themselves?
At the moment, they (the credit card companies) are saying she will have to take them to court to resolve the issue. Is this the case, and if so, are the legal specialists who can offer assistance with this kind of case? Or would a professionally constructed letter to the write dept be sufficient to get them to take their own responsibilities more seriously?
Many thanks for any light you can shed,
chartley101.
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