If you think you've been a victim of impersonation fraud and accounts have been opened in your name, here's the steps you should take;
1. Report to the Lender
Immediately contact the lender offering the personal loan and inform them of the suspected fraud. If that's us, contact us quickly via;
In app message
Email hello@kravings.com
Phone 03330 382429
Provide any evidence of the fraud, such as correspondence or notifications about a loan you did not apply for.
Request the lender to investigate and flag the account as fraudulent.
2. Check Credit Reports
Obtain a copy of your credit report from all major credit reference agencies in the UK (Experian, Equifax, TransUnion).
Look for unfamiliar loan applications or accounts and report them to the respective agencies.
Consider adding a notice of correction or a protective registration (via CIFAS) to alert potential lenders of potential impersonation attempts.
3. Report to Action Fraud
File a report with Action Fraud, the UK’s national fraud and cybercrime reporting centre.
You can report online at www.actionfraud.police.uk or call their helpline.
4. Inform Your Bank
Notify your bank if you suspect your financial details have been compromised.
They may take additional measures to secure your account and prevent further fraud.
5. Contact CIFAS
Consider registering with CIFAS, a fraud prevention service, for Protective Registration.
This adds an extra layer of security to your credit file, making it harder for fraudsters to take out credit in your name.
6. Secure Personal Information
Change passwords for online accounts, especially for email and banking.
Be cautious about sharing personal information and ensure your details are stored securely.
7. Seek Advice from Citizens Advice
For further support and advice, contact Citizens Advice. They can guide you on your rights and next steps in resolving fraud-related issues.
Taking these steps promptly can help mitigate the impact of impersonation fraud and prevent further misuse of your personal information.