How do I know the rogue was a rogue? He could be real and in on the fraud with credit plus. It all stinks in favour of the bank again!! The lender was Raphael and sons bank who were at the time members of ccta which says in section 5.1 of its code of practice that any of its members should register their interest with the likes of Hpi etc within 24 hours of lending, this is of no use to me as their membership expired in nov 2018 .