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Darlington man who racked up £10,000 debt in son's name escapes jail
A MAN who fraudulently racked up almost £10,000 debt in his son’s name has escaped prison.
Philip Maven applied for credit cards, catalogue accounts and a Wonga loan over a four year period in the name of his son, while struggling with money and his own poor credit rating.
The 50-year-old was found out when his son received a letter from HSBC to say he was eligible for a mis-sold PPI claim, but any payout would be held against a £4,518 ‘debt’ he owed the bank.
Appearing at Darlington Magistrates’ Court, Maven, of Deepdale Way, Darlington, admitted six counts of fraud by false representation.
Jon Garside, prosecuting, said Maven took out credit totalling £9,900 with five different banks and loan companies between 2007 and 2011.
“The defendant stated that he and his wife, who is disabled, had been struggling to make ends meet and were behind with rent and bills. He is her full-time carer and has not worked for 20 years.
“He told police that it had nothing to do with his wife, it was all down to him.”
Mr Garside said Maven made full admissions about the different accounts to police, which had saved officers hundreds of hours of investigation time.
Nick Woodhouse, mitigating, said Maven took out the first loan with the aim of paying it back but it ‘spiralled’.
He added: "He continues to live with his wife and has a reasonable relationship with his son despite everything.”
District Judge Adrian Lower said Maven had let himself and his son down.
He said: “This is an unhappy and very sad story that I’ve had outlined to me. You, over a four year period or more, used accounts that you had opened in your son’s name to run up almost £10,000 of debt.
“No doubt it will have caused your son a great deal of concern – not just the debt against his name but also that it was his own father who has done this to him.”
The court heard most of the debt in his son's name has been cancelled by the banks but the £4,518 from HSBC still stands.
Judge Lower gave Maven a two year community order with a supervision requirement and ordered him to pay back the £4,518 owed to the bank.