I lived in the UK for a couple of years since 2006. I went there with a few other people with the help of an agent, who was supposed to help us get settled. They collected our passports, set up bank accounts for us, rented houses etc. After my return I found out all of the others sooner or later learned that loans have been taken in their names, most probably by that person who took our passports at the very beginning. I came back to my country and would like to find out if there is any debt in my name.
How do I check if any loans have been taken with the use of my passport. What if it turns out that I’m in debt but have never actually taken any loans? Thanks in advance for your help.
A first step may be to obtain a copy of your credit history from one of the credit bureaus in the UK, Experian, Equifax or Call Credit. A tri-merged credit report may be the best as well.
Have you heard from any one else who went to the UK with you and used this “service” if they have experienced any problems? You mention “others learned of loans taken out in their names” have you spoken with them and what information can they provide?
Have you heard any more from the person who provided this service? Are they still in business? What was the name of this company?
Just an FYI, in moving and setting up a life in the UK, banks, letting agents or estate agents, etc, are going to want to meet the person opening an account or letting a place to live in most instances, face-to-face. So the use of a service isn’t necessary and may only pose more of an issue.
You can also phone the bank you were banking with in the UK to inquire as to the status of any accounts you may have had and if the accounts are or were left in good standing.
If anything fraudulent has occurred, many banks have a fraud unit or department, and you may need to speak to the local authorities as a beginning to see if criminal charges can be brought up.
Let me know how you get on with this as I would like to know more. It helps others in the future so they do not fall prey to something similar.
Jon Emge is an experienced UK debt advisor who has helped thousands and thousands of people in the UK to deal with problem debt. Jon specialises in finding good solutions for problem debt using a variety of UK specific techniques.
If you have a question you’d like to ask about how to get out of UK debt, just use the online form. I’m happy to help you for free.