If you have ever got a loan have you ever had to do the following? -

@dorypanda (1597)
May 2, 2009 11:39am CST
Have you had to send them a full-colour copy of your driving licence, a full-colour copy of your passport for yourself AND your guarantor AND had to send a copy of the front and back of your credit/debit card? I've just been asked to send all of the above for myself AND my guarantor to a loan company, I just wanted to check to see whether this was common practice or if it's a way of a dodgy company getting my details to try and make a dodgy ID. Thank you for your answers.
1 person likes this
4 responses
@p1kef1sh (45638)
2 May 09
I've never had to do that Dory. I have had to provide proof of address. But nothing else. They aren't called "Fly by Night Loans" are they?
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@dorypanda (1597)
2 May 09
Hmmmm, I'm not sure, there initials are FNL............OK, that's not really who they are, I'll look them up.
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@dorypanda (1597)
2 May 09
It's FLM www.flmloans.co.uk
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@p1kef1sh (45638)
2 May 09
Hmmm. www.ripoffreport.com/reports/0/334/RipOff0334784.htm But that's the only one that I could find. But there are folk in Nottinghamshire who claim they that've been ripped off too.
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@mummymo (23707)
3 May 09
Wow I have never heard of this before sweety but then I haven;t had a loan in years! I am not sure if this is in response to the rising numbers of identity theft, the economic climate or as you say a dodgy thing! I think I am going to have to read your other responses and see if anyone knows what it is about! xxx
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@nannacroc (4049)
2 May 09
Sounds a bit iffy to me. Look up the company on the internet and find out if this is common practice.
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@pumpkinjam (7131)
• United Kingdom
4 May 09
Don't do it. I once tried to get a loan from a dodgy company and they didn't ask for all that. I recently had a look into another one which asked for the front and back of a debit card. There is no reason whatsoever why they should ask for that. They MIGHT want to ask for a card number if the payments are being made from it or if you have no other form of ID. They would require ID and, if you have to have a guarantor, they will have to provide ID as well but they should ask for either a passport OR driving licence, they have no right to ask for both. With the information this company is requesting, they could very easily steal your identity. What I would suggest is, if possible, get in touch with them to ask why they want all that. Unless you have already told them otherwise, tell them you only have one piece of ID.
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• United Kingdom
4 May 09
I would just like to point out that some lesser known companies e.g. those who deal with poor credit loans, etc. may ask for more information than well known companies such as banks. You should also check whether the company is a loan company or a broker. I have found that, upon looking for a loan, I had a broker telling me they had found a company who could help but that company turned out to be another broker and I ended up being passed from broker to broker although I think FLM claim to be an actual lender. I still wouldn't use them though.
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@dorypanda (1597)
4 May 09
Thank you, according to the website Pikefish has put, FLM claim to be a LOAN company but are actually BROKERS! So, I'm certainly not going to be using them. I wasn't bothered when they only asked for our driving licences, that seems normal, but obviously asking for all of that seems dodgy.
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