Getting a new identity & a new credit history

Alex Heney wrote:

> The banks and debt collectors etc have no access to your mobile phone
> records.
>
> Never mind to your current location via mobile phone.

However, if you have a contract phone, your account details, including any
notified change of address, will be on your credit file.

---

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

Anthony R. Gold wrote:

>> It is fraud (Obtaining financial services by deception)
>
> That is now "obtaining services dishonestly" which requires that services
> be obtained on the basis that payment has been, is being or will be made
> for or in respect of them and when no such payment has been, is being or
> will be made. As stated by the OP, that does not apply in this situation.

What about the new bank account under the new name? Presumably had the bank
known the full credit history, they might not have given them the account.

On Wed, 03 Jan 2007 22:10:27 +0000, Jonathan Bryce
<jonathan@localhost> wrote:

>Anthony R. Gold wrote:
>
>>> It is fraud (Obtaining financial services by deception)
>>
>> That is now "obtaining services dishonestly" which requires that services
>> be obtained on the basis that payment has been, is being or will be made
>> for or in respect of them and when no such payment has been, is being or
>> will be made. As stated by the OP, that does not apply in this situation.
>
>What about the new bank account under the new name? Presumably had the bank
>known the full credit history, they might not have given them the account.

*Currently* that may well be obtaining services by deception.

As Anthony has pointed out, from the 15th of this month, that will
definitely not be the case, because the current definition in the
Theft Act 1978 is being replaced by the Fraud Act 2006 which comes
into force then, and explicitly states that there must be a payment
required for the services which are not forthcoming for that offence.

It seems logical to me that it *should* be a crime to obtain any
services by lying when you would not have got those services if you
had told the truth, but it doesn't seem to be the case :-(
--
Alex Heney, Global Villager
Man has his will. Woman has her won't!
To reply by email, my address is alexATheneyDOTplusDOTcom

On Wed, 03 Jan 2007 22:09:13 +0000, Jonathan Bryce
<jonathan@localhost> wrote:

>Alex Heney wrote:
>
>> The banks and debt collectors etc have no access to your mobile phone
>> records.
>>
>> Never mind to your current location via mobile phone.
>
>However, if you have a contract phone, your account details, including any
>notified change of address, will be on your credit file.

Only whether you are and always have been up to date with your
payments. the actual amounts of any payments, and your call records
will not be there.
--
Alex Heney, Global Villager
Philosophy: unintelligible answers to insoluble problems
To reply by email, my address is alexATheneyDOTplusDOTcom

On Wed, 3 Jan 2007 16:01:48 -0000, "Tumbleweed"
<[email protected]> wrote:

>
>"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.

http://www.theregister.co.uk/2006/10...location_data/

"O2 has changed its terms and conditions to allow it to share "...the
date, duration, time and cost of such communications and the location
of your mobile phone".

O2 will be sharing this information with credit companies, other
telecommunications companies, and debt collectors "...for the purposes
of operating your account and providing you with the service...in
addition to crime prevention and fraud detection".

Knowing where you are, and where you're making calls from, enables the
network operators to build their networks with appropriate capacity,
but few mobile phone users seem aware that their location is not only
being monitored at all times, but that that information is being
archived for future reference."

================End ================

Erk!

At 22:57:05 on 03/01/2007, Alex Heney delighted uk.finance by
announcing:

> On Wed, 03 Jan 2007 22:09:13 +0000, Jonathan Bryce
> <jonathan@localhost> wrote:
>
> > Alex Heney wrote:
> >
> >> The banks and debt collectors etc have no access to your mobile
> phone >> records.
> >>
> >> Never mind to your current location via mobile phone.
> >
> > However, if you have a contract phone, your account details,
> > including any notified change of address, will be on your credit
> > file.
>
> Only whether you are and always have been up to date with your
> payments. the actual amounts of any payments, and your call records
> will not be there.

Neither will your account (or phone) number.

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?
>

Given the fact the OP has managed to run up £60K on credit cards, it
could be that he is not that thrifty. If this is the case it could be
that he owns very little by way of assets, savings, property etc.

If this is the case, then he should not need to worry too much as you
cannot give / they cannot take what he does not have.

My question is, could the limitation act benefit him in anyway? Making
him home free after 6 years?

In any case, I would say dying his hair really isn't necessary.

Good luck OP, I hope you learn from your mistakes.

---
Sean Browne
Cardiff IT Support Ltd
www.cardiffitsupport.com