Bit of background..
PIL's are shit with money. They have had failed business after failed business, declared themselves bankrupt, borrowed £££££'s from friends as investments, asked DH to launder money for them etc.
FIL is nice enough, just made some very silly decisions as well as being on the receiving end of some very bad luck. MIL are very different but get on on a surface level.
Anyways, a few months ago PIL's came round and asked if they could open a bank account in DH's name in order to receive their wages or something as due to their bankruptcy they were struggling with doing so. DH said no, as it was obviously illegal and he is also self employed and didn't want to be investigated. Also PFB was due and we were worried about the effect it would have on us when it came to claiming tax credits etc. Not that we should have had to have given a reason for not wanting to partake in this, but we had plenty.
Fast forward to them coming to visit the baby last week and bringing some letters for him that had arrived at their address. He gets the odd one every so often. He opens one and it's from Santander, thanking him for opening a new account. He never opened a new account with them, ever.
PIL's were very quick to say 'oh your father opened an account with them but they did it in the wrong name by accident, never mind all sorted now etc' and changed the subject.
I just can't see how a bank could open an account in the wrong name for someone who hasn't lived at that address in years. All his other mail comes here so if there is some sort of grand database it would had him at our home address surely?
I haven't broached this with DH yet as it would be devastating for him. But AIBU to think that they have probably gone ahead and opened a bank account in his name? Obviously if they have we will have to deal with it ASAP.