Active discussions

Please or to access all these features

Talk
AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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:
LIZS · 12/01/2025 11:05

I would call the relevant bank fraud department today and tell them you will visit a branch tomorrow with id. At very least they should investigate how the checks failed. You could also complain to Financial Ombudsman if they prove awkward.

Original poster
mummkka · 12/01/2025 10:23

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?

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

OP posts:
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?

Original poster
mummkka · 11/01/2025 23:56

mummkka · 11/01/2025 21:03

when they applies for these accounts i live abroad for 3 years and only can back month ago and of course i registered with council so bailiff were able to get the information for my adress but they applied for the cards on an adress i have never lived in and also all their bills in my name so british gas water etc
i had a massive fines come though my letter box today im shocked i have never missed a payment or had debts

Show quote history

im not sure how they were open id think online because in person would be harder i dont know to be very honest , they were able to contact me though council i have came back to uk after moving away i closed everything before leaving all bills only had one bank card open personal one,i have called the number on the bailiff letter and they need to investigate first

OP posts:
Original poster
mummkka · 11/01/2025 21:16

i fowarded my bill to her house she still lived in there for couple months and i choose the forward mail with royal mail only for 1 month so there should be nothing after she moved i will contact action fraud again but when i spoke to them on the phone they said they cant do anything as it wasn't stolen from me they just opened account in my name and told me to contact the banks which was no help also but thankyou i was just wondering if anyone had familiar situations and how did it end
sorry for my messages probably dont make a lot of sense but i had a hell of a day my hands are still shaking as i have never had any debts or anything in my name

OP posts:
MartinCrieffsLemon · 11/01/2025 21:10

So you forwarded mail including bills to an address your sister didn't live in either?
They could have used the bills as evidence of address.

It's still fraud, contact Action Fraud for help. But that would be why

Original poster
mummkka · 11/01/2025 21:08

sorry to make it clear it was my sisters adress that i have fowarded all my bills to her adress but she hasnt lived there in years

OP posts:
ZippyCat · 11/01/2025 21:05

It's fraud then contact the appropriate department

Original poster
mummkka · 11/01/2025 21:03

LIZS · 11/01/2025 16:51

It is identity fraud. Were the accounts opened in person or online? You need to ring the bank fraud departments with age reference number. Why are they able to contact you now but not previously? Bailiffs suggest it has gone to court already, in which case you can contact them to challenge any judgement,

when they applies for these accounts i live abroad for 3 years and only can back month ago and of course i registered with council so bailiff were able to get the information for my adress but they applied for the cards on an adress i have never lived in and also all their bills in my name so british gas water etc
i had a massive fines come though my letter box today im shocked i have never missed a payment or had debts

OP posts:
LIZS · 11/01/2025 16:51

It is identity fraud. Were the accounts opened in person or online? You need to ring the bank fraud departments with age reference number. Why are they able to contact you now but not previously? Bailiffs suggest it has gone to court already, in which case you can contact them to challenge any judgement,

parietal · 11/01/2025 16:46

It is hard to follow your post without paragraphs or even sentence breaks. But you could try contacting Action Fraud to report it. CAB might also help.

Swipe left for the next trending thread