Re: Getting a new identity & a new credit history

..SNIP..

Cases of infant death where the informant does not know the date and place of birth are *exceedingly* rare.

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

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.

But the intent to defraud needs to exist at the time he obtained the services surely? All he is doing with the existing £60k loan is not making further repayments, and not providing any information to assist the lender in tracking him down.

*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 :-(

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.

"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!

Well, just about anything's *possible* but its exceptionally unlikely to the point of pedantry.

I think so but couldnt be sure.

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

Neither will your account (or phone) number.

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.