ArthurWankspittle wrote:Is an Action Fraud reference number a Crime Reference number though? I'd wonder that AF give out reference numbers for their own tracking purposes and it doesn't get a Crime Reference until the Police pick it up and investigate. Not that it matters of course because the bankruptcy hearing will still go ahead unaffected,
As I understand it, the Action Fraud rubbish Applecart is telling Saving Grace to do relates to a secured creditor, Swift Advances. She was made bankrupt by a payday lender.
Swift already has security for its debt by way of the second charge on her home. It's this that Apple is urging her to challenge and to report it as fraud if some garbage about the date on the HMLR entries doesn't match something something something (I lose the will to live where Apple's posts are concerned, they're such utter bollocks, so usually stop reading past the first three lines). Swift doesn't care about her bankruptcy hearing as it won't have any effect on its position as a secured creditor.
And yes, Action Fraud issue you with a reference/tracking number when you file an online report. I have several relating to WeRe Bank/PoE. According to Apple, when the bailiffs acting on a warrant for Swift Advances come to evict Saving Grace, all she has to do is show them the email with the reference number and they'll go away. Hmm, yes, that'll work.
But if the bailiffs are acting on a warrant for the first mortgagee or the Trustee in Bankruptcy, any challenge by Saving Grace to the validity of Swift's charge over the property is irrelevant. Actually it'd be irrelevant if they were acting on a Swift warrant too. It's just Applecart's bog-standard garbage that has no basis in law. But the fact Swift has a suspended possession order on the property rather suggests that its charge is perfectly valid in any event, so it's a moot point.
She's just wasting precious energy that she could/should be devoting to trying to sort something out with the Trustee in Bankruptcy by following this path Apple has set her. Experience shows this will end, as anyone following Apple's advice ends up, with her out on the street.
