A bit long, but here is a summary from the BBC Radio programme You and Yours which has more detail than the BBC News report:

Background

Mike Hall (owner of the property) moves around a lot due to his work. He rents out his home, but due to COVID the property has been empty for some time.

Returning to his property

When Mr Hall returned to his house he could tell clearly the house has been broken into. The front door window pane had been smashed and partially replaced, and the locks had been replaced.

Reporting to the police

Police told Mr Hall it was a civil matter and Mr Hall had to leave the house and contact his solicitors.

Mr Hall put in an online application to Bedfordshire Police Service to notify them of a crime. Every time he got an automated replying stating this was not a criminal offence but a civil matter.

He also contacted Action Fraud (UK’s national reporting centre for fraud and cybercrime, run by the City of London Police). They also said it was a civil offence and they could not help him.

Mr Hall: "So everywhere I turned, it was a closed door"

Contacting the BBC

Mr Hall contacted the BBC Radio programme You and Yours (consumer affairs programme) and they confirmed this was a criminal offence, not a civil offence. (Comment from me: speaks a lot about the police that the owner ends going to a BBC Radio programme due to inactivity and incorrect information from police sources.)

The BBC put Mr Hall in touch with the Bedford Fraud Squad who agree Mr Hall is a victim of fraud and is now investigating.

How did it happen?

The criminal contacts the solicitor and pretends to be Mr Hall. But how did the criminal convince the solicitor he was Mr Hall?

Solicitors require identity documents e.g. Passport, Driving Licence (both include owner photo). The criminal applied for and got a genuine duplicate driver licence from the DVLA (Driver and Vehicle Licensing Agency) in Mr Hall's name ("genuine document fraudulently obtained").

Mike Hall's driving licence is in Welsh and contains the title 'Reverend', his address, his photo and signature. The criminal's licence is in English, with the title 'Mr', a different address, signature and photo. This is the fraudulent driving licence the solicitor saw.

It gets worse...

In April 2021, the DVLA contacted Mike Hall to confirm if he had applied for a duplicate driving licence as they has a suspicion the request they had received could be fraudulent. Mike Hall confirmed to the DVLA he didn't apply for a duplicate licence. The DVLA said they would cancel the fraudulent request.

Unfortunately, they failed to cancel the duplicate licence even though they promised they would.

The criminal gets the genuine duplicate driving licence and changes the picture in the driving licence. The DVLA would not comment on how the criminal altered the driving licence details. However, they say they are taking this matter very seriously (they described what happened to Mike Hall as "awful") and are working with Bedfordshire Police.

Fraudulent bank account

In April, a new TSB bank account is fraudulently created in Mike Hall's name. In July, over two days, £131,000 is deposited into the bank account - and then withdrawn. The BBC reporter contacted TSB to ask them: why did they not flag this as suspicious activity? TSB said the activity didn't trigger any suspicions and they are working with the police on the case.

Will Mike Hall get his house back?

Reporter: "Very possibly not"

Reporter: "If your name is on the Land Register for a property, that property is yours and it doesn't matter if you bought that property from a fraudster."

"The Land Registery is the only record of property ownership we have in the UK [England and Wales]. It is state guaranteed and that means if there is fraudlent change of title, which has happened in this case, victims of fraud and mistakes can be compensated."

This type of fraud ("vendor fraud") is on the rise. Compensation has risen from £2m to £3.5m in just twelve months - a 40% rise.

The Land Registry say they rely on solicitors to make checks to spot fraudulent attempts to impersonate property owners. Empty, rental and properties with no mortgages are particularly vulnerable to this type of fraud.

And what about Mike?

The BBC showed Mike the fake driving licence used to impersonate him: "I felt sick actually - seeing someone else's face on my driving licence...I felt an emptiness in my stomach and it make it all very real to me."