sry I don't believe you one bit.
Fraud is a crime, just like murder. So you're telling me that if someone kills an employee of some company and the company doesn't initiate legal action... nothing will happen? Bullshit. It's a state's duty to prosecute crime and I found who's doing that in the UK. https://en.wikipedia.org/wiki/Director_of_Public_Prosecutions_(England_and_Wales) It might not be called state attorney but every solicitor representing the state essentially is.
Again, this has absolutely nothing to do with the company and if they want (or can get) their money back or not. That would be a completely different trial.
Obviously I don't know exactly what payment options UK companies usually offer but I don't think they are checking as often as you think. Or we're talking about something entirely different. I'm just talking about some private guy ordering consumer goods from companies on account. In case that's unusual in the UK, here's an excerpt:
"The payment method purchase on account is the most popular method of payment for online purchases in the DACH region. This involves sending the goods together with an invoice, which the buyer is required to settle with the merchant by a specified due date. Since the merchant advances credit for this payment method, it generally performs a credit check as a safeguard to avoid the possibility of a non-payment. This payment method is only offered to the relevant online shopper following a favorable credit and risk check. Payment against invoice or installment payments are also referred to an insecure payment method."
I mean.. where do they get your information from? A register office? Most likely not. Why would the state give personal information to private companies. So what if you've never bought anything in the UK? They won't have any data about you so how would they know the name is fake when you might as well be a new resident who moved into the same building.
You don't have to believe me doesn't change that it's a fact lets start by looking at the strawman example you've given murder is a different class of crime from fraud which has many different levels as with murder the level of damage to the victim is the same as someone dies and it's not the company the person works for who takes action it's the person's family do you know how many companies would be in court everyday if they sued for the murder of their employees? You really think KFC would sue a random mugger for stabbing Jeffrey who works the til? Taking out a phone contract or TV then not paying is minimal damage to a company police here aren't as concerned over that. UK law requires that companies have to make contact (as in the person has to let them know they're aware of the situation) with the person before any action is taken then if contact is made they have to give options of repayment repossession in the UK has huge regulations on it so bailiffs are not an option for companies so most people just default on the payments or never make contact with the companies and it gets written off, the result is companies sell the debt to debt collecting agencies who tried to reclaim some amount but most of the time don't so end up just hitting the person's credit score practically all the time the is no jail time given because the person can just say well I don't have the money to pay right now it would be on you to prove it was actual fraud which you would never be able to do.
In Uk no account that you make purchases like the ones you're on about does so with out credit checks non you either have to buy upfront with out checks or go the contract route with out checks, if you're not from the UK you can't get anything until you're in the system that's how it works here as if they don't see you on the system then they won't allow you to have such contracts as you need an actual profile history (address history for 3 years, valid passport etc...). Companies that offer such options get their information from credit agencies who have access to your credit profile they're registered clients of these agencies who do the checks for them it's nowhere near as simple as you think it is to fraud is a very grey area hence why a lot of people get away with it which is why credit ratings became so prominent.
Want an example of how people can get away with it look up Wonga who got fleeced hard in their quick loan business the government ruled that the letters they sent people who weren't paying were threatening when one person took action against them and not only violated rights but also deemed Wonga were lending recklessly with out factoring in people's circumstances so all the debts owed got written off as people feigned ignorance.
Last edited by Wyrdness - on 02 July 2019