Getting a new identity & a new credit history

On Tue, 02 Jan 2007 16:12:49 GMT, "ThePunisher"
<[email protected]> wrote:

>look up the deaths and find a baby who died just
>after birth around the same time you were born, send away for a copy of his
>birth cert and Bob's your uncle.

Er, no. Bob's no longer your uncle. It'll be George who's your
uncle now.

--

Iain
the out-of-date hairydog guide to mobile phones
http://www.hairydog.co.uk/cell1.html
Browse now while stocks last!

---

› See More: Getting a new identity & a new credit history

<[email protected]> wrote in message
news:[email protected]...
> On 1 Jan 2007 21:56:21 -0800, "Mike" <[email protected]> wrote:
>
>>Say my name used to be David Tyke & I ran up £60,000 of debt
>>(unsecured) on credit cards. But I couldn't afford to pay it back.
>>
>>So I dyed my hair, relocated, changed my name by Deed Poll (to Mike
>>Tyke) & got a new passport
>>
>>I then opened a new bank account saying it was my very first bank
>>aco**** in the uk as I grew up in Italy
>>
>>
>>
>>Couple of questions
>>
>>- Is this illegal?
>
> Of course it is. It is fraud.
>
>>- Any comments on this (apart from it being totally immoral & screwing
>>the banks)
>
> If you are run up debts you can't repay, the bankruptcy system is the
> way to go. And you are clear of debt in 12 months with no need of hair
> dye.
>
>

Bankruptcy apparently remains on your credit file for 6 years and is made
known openly to creditors seeking your history.
Tracym

On Tue, 02 Jan 2007 22:32:51 +0000, "Anthony R. Gold"
<[email protected]> wrote:

>On Tue, 02 Jan 2007 22:10:10 +0000, Alex Heney <[email protected]> wrote:
>
>> On Tue, 02 Jan 2007 17:51:26 +0000, "Anthony R. Gold"
>> <[email protected]> wrote:
>
>>> That section of the Theft (Amendment) Act 1996 was repealed in the Fraud
>>> Act 2006.
>>>
>>
>> So what I said is correct now. But won't be in a fortnight :-)
>
>Whoops, I didn't know I was too early.
>

Not by much :-)

And I suspect the new wording is precisely to prevent the sort of
arguments we have been having here from occurring in court.
--
Alex Heney, Global Villager
Press any key... no, no, no, NOT THAT ONE!
To reply by email, my address is alexATheneyDOTplusDOTcom

Moving to another country is the traditional way of escaping this sort
of thing, and still works despite the attempts by nation states to
close off this loophole to freedom by people. (using the terror threat
as an excuse) You can open a bank account in Austrailia no problem
probably.

Is it legal? Yes because you'd be outside of UK jurestriction...same as
you could get a local driving licence despite being banned in the
UK....its just simple not relevent to the situation in Austrailia.

Be free!

> > Now I realise the banks & debt collectors have ways and means of
> > tracing people. Including using using mobile phone signals to pin-point
> > location (possibly)
>
> Or not. Locating someone using the phone is only done in life or death
> situations, e.g. Ian Huntley in the Soham double-murder case.
>
> > - which is why I have trashed my phone & got a PAYG
> > phone. Much better. No more big brother watching over me.
>
> Big brother still watches over you. He just will take a bit longer to
> find out who you are.
>
> > Also, if I didn't do any of the above & simply moved to canada, the USA
> > or oz, is there *anything* the banks could do?
>
> Sure there is. These banks communicate with each other! Do Credit
> reference agencies share data across borders? Maybe, maybe not. Either
> way your credit rating is ****ed.
> --
> Regards
> Jon



02 recently changed their terms & conditions saying that you consent to
them passing on your location to debt collection agencies!! seriously -
someone posted the news article (theregister.com) on uk.telecom.mobile
very recently (maybe it is only if you are in debt to 02?)

Who knows.. you can never be too safe. If you want to 'morph'
identities you might as well get a new phone.. it's not that much
hassle


Remember, folks, this is ALL HYPOTHETICAL.

At 05:56:21 on 02/01/2007, Mike delighted uk.legal by announcing:

> I know this isn't really legal, but I'm curious so I thought I'd ask
>
>
> Say my name used to be David Tyke & I ran up £60,000 of debt
> (unsecured) on credit cards. But I couldn't afford to pay it back.
>
> So I dyed my hair, relocated, changed my name by Deed Poll (to Mike
> Tyke) & got a new passport
>
> I then opened a new bank account saying it was my very first bank
> aco**** in the uk as I grew up in Italy
>
>
>
> Couple of questions
>
> - Is this illegal?
> - Any comments on this (apart from it being totally immoral & screwing
> the banks)

Do the CRAs get notified of name changes?

> Also, if I didn't do any of the above & simply moved to canada, the
> USA or oz, is there anything the banks could do?

Probably not.

At 17:59:28 on 02/01/2007, Peter Lynch delighted uk.legal by announcing:

> On Tue, 02 Jan 2007 16:12:49 GMT, ThePunisher wrote:
> >
> > Too much trouble, do this, look up the deaths and find a baby who
> > died just after birth around the same time you were born, send away
> > for a copy of his birth cert and Bob's your uncle.
> >
> Well, there's a little more to it than that.
> Some years ago there was an aricle in the FT called something like
> "how to disappear". Conclusion was that it was:
> a.) expensive to do properly
> b.) took time to establish your alternate persona before you
> make the break
> c.) required you to break contact with all your friends and family
>
> The upshot is, that if all you're trying to do is wriggle out from
> paying your debts, then an IVA is possibly cheaper/easier and means
> you won't spend the rest of your life worrying that someone's found
> you. Your credit rating will be completely non-existent in either
> case so that balances out.

Untrue. It will be non-existent if he has a completely new identity.
If he goes for an IVA then his credit record will most certainly exist.

Tumbleweed wrote:

> "ThePunisher" <[email protected]> wrote in message
> news:[email protected]...
>
>> Too much trouble, do this, look up the deaths and find a baby who died
>> just after birth around the same time you were born, send away for a copy
>> of his birth cert and Bob's your uncle.
>
> I thought that loophole was plugged years ago?

How?

"Mike" <[email protected]> wrote in message
news:[email protected]...
>
>> > Now I realise the banks & debt collectors have ways and means of
>> > tracing people. Including using using mobile phone signals to pin-point
>> > location (possibly)
>>
>> Or not. Locating someone using the phone is only done in life or death
>> situations, e.g. Ian Huntley in the Soham double-murder case.
>>
>> > - which is why I have trashed my phone & got a PAYG
>> > phone. Much better. No more big brother watching over me.
>>
>> Big brother still watches over you. He just will take a bit longer to
>> find out who you are.
>>
>> > Also, if I didn't do any of the above & simply moved to canada, the USA
>> > or oz, is there *anything* the banks could do?
>>
>> Sure there is. These banks communicate with each other! Do Credit
>> reference agencies share data across borders? Maybe, maybe not. Either
>> way your credit rating is ****ed.
>> --
>> Regards
>> Jon
>
>
>
> 02 recently changed their terms & conditions saying that you consent to
> them passing on your location to debt collection agencies!! seriously -
> someone posted the news article (theregister.com) on uk.telecom.mobile
> very recently (maybe it is only if you are in debt to 02?)
>

Mobile phone tracking simply isnt good enough to be able to locate someone
in the way most people would mean by 'location'; ("there he is, at the
corner next to the bank") unless you put some serious equipment on it to
track the phone, maybe they'd do that for Osama BL but not for someone with
debt. Knowing to the sort of size of location area as a post code region or
larger is about as specific as you'd get from normal data and that also
wouldnt be in real time.

--
Tumbleweed

email replies not necessary but to contact use;
tumbleweednews at hotmail dot com

On 3 Jan 2007 02:01:36 -0800, "Mike" <[email protected]> wrote:


>02 recently changed their terms & conditions saying that you consent to
>them passing on your location to debt collection agencies!! seriously -
>someone posted the news article (theregister.com) on uk.telecom.mobile
>very recently (maybe it is only if you are in debt to 02?)

Google groups URL or message ID please ?

On Tue, 02 Jan 2007 11:23:12 +0000, "Anthony R. Gold"
<[email protected]> wrote:

>On Tue, 2 Jan 2007 07:44:14 -0000, "Bystander" <[email protected]>
>wrote:
>
>>
>> I know this isn't really legal,
>>
>> Correct. The law on fraud changed yesterday.
>>
>> Say my name used to be David Tyke & I ran up £60,000 of debt
>> (unsecured) on credit cards. But I couldn't afford to pay it back.
>>
>> Civil matter - bankruptcy is probably best
>>
>> So I dyed my hair, relocated, changed my name by Deed Poll (to Mike
>> Tyke) & got a new passport
>> I then opened a new bank account saying it was my very first bank
>> aco**** in the uk as I grew up in Italy
>>
>> Clear intention to defraud
>
>At what point was that the clear intention? I'd say the name change is
>only part of a fraud if the £60,000 of debts were run up in anticipation
>of this name change.

Indeed. In fact, it is more likely he would have used a false or other
name to run up the debts if that was the intention.

>Now and at this point in time that all that is clear
>to me is the OP's present intention to evade his past creditors which is
>not fraud.

Agreed.

> Even filing his false and misleading bank account application
>may not be fraud, depending on the particular facts and circumstances and
>whether it is found that this action exposes someone to a risk of loss.

And the chances of anyone trying to prosecute for fraud under such
circs is almost nil. If they found him, they would simply try to
recover the debt.

On 1 Jan 2007 21:56:21 -0800, "Mike" <[email protected]> wrote:

>I know this isn't really legal, but I'm curious so I thought I'd ask

Here, you are asking for one answer to what is potentially two
questions...

>Say my name used to be David Tyke & I ran up £60,000 of debt
>(unsecured) on credit cards. But I couldn't afford to pay it back.
>
>So I dyed my hair, relocated, changed my name by Deed Poll (to Mike
>Tyke) & got a new passport

>- Is this illegal?

Not as I understand it, no.

IIMU that if a loan has been taken, and at least three re-payments (or
instalments) have been made, then there would be great difficulty in
proving that the loan was taken with intent to defraud.

>I then opened a new bank account saying it was my very first bank
>aco**** in the uk as I grew up in Italy

>- Is this illegal?

Yes, but would anyone care or bother to do anything?

>Now I realise the banks & debt collectors have ways and means of
>tracing people.

They are not half as clever as they would have you believe.

>Including using using mobile phone signals to pin-point
>location (possibly) - which is why I have trashed my phone & got a PAYG
>phone. Much better. No more big brother watching over me.

Aahahaha! ROFL.

BTW, did you register your new phone?

>Also, if I didn't do any of the above & simply moved to canada, the USA
>or oz, is there *anything* the banks could do?

Nope.

>Cos the police won't
>give a f**k & have no intentions of returning to the UK. It's not like
>they are going to extradite me.
>
>Please remember this is all hypothetical.
>
>I am just curious.

lol.

Mike Robson wrote:

> On 1 Jan 2007 21:56:21 -0800, "Mike" <[email protected]> wrote:
>>
>>- Is this illegal?
>
> Not as I understand it, no.
>
> IIMU that if a loan has been taken, and at least three re-payments (or
> instalments) have been made, then there would be great difficulty in
> proving that the loan was taken with intent to defraud.

Yeah right. How to steal £90k and get away with it:

Ask your bank for a £100k personal loan, to be repaid in 60 monthly
instalments of about £2500. Make 4 payments and then scarper.

Top post:

Far from it, my little chickadee. They'd just round up the usual
suspects and at the top of the list would be you, a pathetic wannabe
nym changing troll, called Chris Holland.

OTOH, there's always the French Foreign Legion.

Howard
--
hedmundoatmacmaildotcom


Mike wrote:
>
> I know this isn't really legal, but I'm curious so I thought I'd ask
>
> Say my name used to be David Tyke & I ran up £60,000 of debt
> (unsecured) on credit cards. But I couldn't afford to pay it back.
>
> So I dyed my hair, relocated, changed my name by Deed Poll (to Mike
> Tyke) & got a new passport
>
> I then opened a new bank account saying it was my very first bank
> aco**** in the uk as I grew up in Italy
>
> Couple of questions
>
> - Is this illegal?
> - Any comments on this (apart from it being totally immoral & screwing
> the banks)
>
> Now I realise the banks & debt collectors have ways and means of
> tracing people. Including using using mobile phone signals to pin-point
> location (possibly) - which is why I have trashed my phone & got a PAYG
> phone. Much better. No more big brother watching over me.
>
> Also, if I didn't do any of the above & simply moved to canada, the USA
> or oz, is there *anything* the banks could do? Cos the police won't
> give a f**k & have no intentions of returning to the UK. It's not like
> they are going to extradite me.
>
> Please remember this is all hypothetical.
>
> I am just curious.

"Mike Robson" <[email protected]> wrote in message
news:[email protected]...
> On 3 Jan 2007 02:01:36 -0800, "Mike" <[email protected]> wrote:
>
>
>>02 recently changed their terms & conditions saying that you consent to
>>them passing on your location to debt collection agencies!! seriously -
>>someone posted the news article (theregister.com) on uk.telecom.mobile
>>very recently (maybe it is only if you are in debt to 02?)
>
> Google groups URL or message ID please ?
>
its there, search on O2 and location in The Register, it was the first hit
when I tried it.

--
Tumbleweed

email replies not necessary but to contact use;
tumbleweednews at hotmail dot com