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AIBU?

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Original poster

fraud

36 replies

mummkka · 11/01/2025 16:30

hello ladies has anyone had someone open a bank account in your name who moved in a house you have moved out and used something that came though the letter box to creat this card i dont understand how did a bank not ask for a passport because they knew everything and i only found out kow because started to get bailiffs in my house as i didn't receive any letter stating not paying bills i have never banks with anything except lloyds bank but these other banks are in my home town how can they open without providing evidence it them and how do i prove its no me been to police station got a ref number what next called some bank that were on my credit check cant tell me anything as can provide card details duhhh its not me how can i prove it

OP posts:
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MadnessIsMyMiddleName · 18/01/2025 10:39

That's great news OP! I really hope they catch them and prosecute.

Original poster
mummkka · 17/01/2025 23:01

more update the police got involved now, as they deposited checks in person at the branch they can check cctv and go to that adress and arrest them for fraud and identity theft, fingers cross 😁

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MadnessIsMyMiddleName · 15/01/2025 13:57

I'm glad you hear that you've got it sorted out OP. This really can happen to anyone these days.

We used to live very rurally, and so our letters were delivered to a mail box at the top of our drive, 150 metres from the house. Having heard about someone who had a house purchased in their name, having had their identity stolen in this way, I spoke to our postman, and asked him to deliver all mail to the house in future, which he was kind enough to do, and if we weren't at home, he would hold on to the mail until we were, which was really going over and above for us, and very much appreciated.

Alleycat50 · 15/01/2025 08:32

They can because councils don’t always check. Sort your Gov gateway account out asap.

Original poster
mummkka · 14/01/2025 22:23

Alleycat50 · 14/01/2025 22:19

Check your Gov gateway they may have applied for benefits in your name or be working using your NI number!

Edited

I will do, i though they couldn't get benefits as i pay council tax on my house, and they would claim on a different one ?

OP posts:
Original poster
mummkka · 14/01/2025 22:22

Alleycat50 · 14/01/2025 22:13

What id did they use?

two bills were only needed its so messed up, i couldn't't believe it

OP posts:
Original poster
mummkka · 14/01/2025 22:20

I have blocked my gov.uk a week ago, because i didn't pass the security question, with the (did i open a bank card or credit card in the last 6 month) me not knowing pressed no 3 times. need to call and unblock

OP posts:
Alleycat50 · 14/01/2025 22:19

Check your Gov gateway they may have applied for benefits in your name or be working using your NI number!

Original poster
mummkka · 14/01/2025 22:17

Alleycat50 · 14/01/2025 22:09

You need to keep paying for cifas. Also sign upto the credit reference agencies and monitor your credit file regularly. As soon as my DC turned 18 I did this with them. They check their credit file every month and will pay for cifas too for the rest of their lives. As you say it may happen again the main thing is you deal with it straight away. I would complain to the banks and ask them what identity checks they did to allow the fraudsters to open their bank accounts in your name.

Also check your Gov gateway account for employment history or benefits taken out in your name. Since 18 my DC has been doing this too.

I do all these things too btw.

Edited

Your right i will definitely pay every 2 years for protection to avoid this same situation ever again. They shown me that the fraudsters applied online, They used 2 bills in my name, Which was the one i got with the bailiffs for british gas ,and other for essex and s water, also All the banks i went to, said dont need ID to open a bank card online, which is a shame because its just making its easier for frauds.

OP posts:
Alleycat50 · 14/01/2025 22:13

What id did they use?

Original poster
mummkka · 14/01/2025 22:10

oh and the only way i could prove that i wasn't me, because they put male on the accounts instead of female, and also im Mrs and they put Mr

OP posts:
Alleycat50 · 14/01/2025 22:09

You need to keep paying for cifas. Also sign upto the credit reference agencies and monitor your credit file regularly. As soon as my DC turned 18 I did this with them. They check their credit file every month and will pay for cifas too for the rest of their lives. As you say it may happen again the main thing is you deal with it straight away. I would complain to the banks and ask them what identity checks they did to allow the fraudsters to open their bank accounts in your name.

Also check your Gov gateway account for employment history or benefits taken out in your name. Since 18 my DC has been doing this too.

I do all these things too btw.

Original poster
mummkka · 14/01/2025 22:07

LIZS · 12/01/2025 08:18

Also formally report it to the bank fraud department with the police reference number. Have you run a credit check to see if there may be any others pending?

That is the only way i found out was though credit check, it go so low i wasn't sure why, then i check there were missed payments on bank cards i have never had before, and 7 different hard credit checks done but gladly onlt 3 were approved, and not all 7, not that is a good thing, but was easier to sort out. The banks have removed the accounts and closed it, but the default still on my credit chec🤢which is sad because were in process of buying a house, but i hope the broker will understand

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Original poster
mummkka · 14/01/2025 22:01

Update😁

Went to all of the banks, They have managed to close all the accounts in my name, Also wrote off the debt from the fraudsters. So im glad all sorted

They said this is happening so much, especially when people thow their mail in the bins, there are now people who go though bins, as this is the only option for Them to not get deported, to use identity theft to rent homes, open banks and even for work . i found out mine were R gypsies claiming to be me, and because im foreign my self but i was born in UK, its supper easy because my name is foreign

I really hope this never happens to anyone!!!!! because the stress they have put me though is unbelievable

OP posts:
Original poster
mummkka · 12/01/2025 17:30

MartinCrieffsLemon · 12/01/2025 16:43

I still don't understand what this £30 thing is

the 30 pound is advice from police they gave me a leaflet to go online cifas.uk its called it freezes your identity from being used for 2 years also i couldn't take anything else for 2 yeara

OP posts:
MadnessIsMyMiddleName · 12/01/2025 16:46

Sorry OP, but you really aren't making much sense. Try and calm down, and plan what you want to say, rather than just typing it as it comes into your mind. We all want to help, but it's too difficult when you're not explaining things clearly, or using any punctuation.

MartinCrieffsLemon · 12/01/2025 16:43

I still don't understand what this £30 thing is

LIZS · 12/01/2025 16:39

I've no idea what this £30 policy is supposed to do. Are you sure it is not a scam.

Original poster
mummkka · 12/01/2025 16:38

correct i did ring the banks up but they said i have to go in a branch to sort it out as cant confirm the bank details though phone as i dont know them i dont own any bank cards on these bank cannot confirm my identity though phone but i will go first thing in the morning tomorrow as it all happened on a weekend

i just wanted to see if anyone else was in this kind of situation before sorry for not making so much sense im just all over the place at the moment

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MartinCrieffsLemon · 12/01/2025 16:28

I'm just getting more confused
So the bailiffs have agreed it's not you and aren't chasing for debt? But it's still effecting your credit score?
And you can't ring up the banks? And the police are saying this identity theft isn't identity theft but have told you to pay them (?) £30 for 2 years protection?

Original poster
mummkka · 12/01/2025 16:12

MartinCrieffsLemon · 12/01/2025 15:03

If you are being chased by bailiffs for money then obviously there's an issue...

i gave bailiffs the proof that its no and its been written of by them and they accepted the proof so its not me

OP posts:
Original poster
mummkka · 12/01/2025 16:10

no its 30 pound for 2 year protection police told me to put it on as i need to sort out who is doing this

OP posts:
Spirallingdownwards · 12/01/2025 15:08

mummkka · 12/01/2025 10:23

i will do first thing in the morning as i have to go by person into the bank because they cant share information on the phone
there is 2 cards more but its been closed by the bank and the banks are not in my city have to travel tomorrow to different cities to go into them
the police has came back to me and said they cant put it though as Identity fraud as they haven't stole from my bank account they have only used it to open account it sounds so stupid to me because my credit score is so s**t they said basically i have no looses even though the loans in my name cant rap my finger around it
but i have payed 30 pound for 2 years so nothing could be done in my name and we are in a process of buying a house which will be declined by the looks of the whole situation im so gutted and sick to my stomach

Show quote history

Do I understand correctly that you have been paying back £30 a month for 2 years. May I ask why you did this if it wasn't your debt?

MartinCrieffsLemon · 12/01/2025 15:03

If you are being chased by bailiffs for money then obviously there's an issue...