In the last month someone, who is not me, has opened an ISA in my name and transferred my own money from my savings account into the ISA (within the same Bank). So I have an ISA. Except I had already set up an ISA with a completely different provider.
Then - all of my direct debits were cancelled - cue lots of emails informing of this (including insurances, TV Licensing, utilities etc. Not cancelled by me.
I feel like I'm going mad. Bank treated it as 'impersonator fraud' and conducted an investigation. No other attempts have been made to take money from my bank accounts or savings!
I'm still having trouble reinstating the direct debits and explaining for the umpteenth time to people that I didn't cancel anything and nor did I set up an ISA with my bank because if I had I'd have been breaching the HMRC rules about maximum yearly savings. I've had umpteen calls with the bank and they stress that my accounts are absolutely safe now and they've cancelled the ISA, moved the money back into my usual savings account.
I keep thinking I've had some kind of black out or something. I sometimes lose focus and can't remember where I've put something or whatever. But for this thing I'd have had to have gone online, browsed the banks ISA rates and deals, chosen the ISA, applied and then instigated the transfer of funds. I HAVE ABSOLUTELY NO MEMORY OF THAT although I absolutely DID research ISA's on MSE AND applied for the one I chose via there with a different unrelated provider and that one went through fine.
Have anyone heard of something similar as a type of fraud, and if so, what on earth is in it for the fraudster???? Or should I go and see my GP.