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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

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Original poster

to ask if this is really bad

42 replies

DizzyZebra · 26/01/2014 15:25

My OH opened a bank account. He gave them the correct ID. Etc.

Hes just realised that theyve spelt his name incorrectly. Is this really bad? I said he should tell them but hes worried they might refuse him another account or something.

The spelling mistake,to avoid putting his actual name, is his surname and is the same as putting Whittington instead of whittingham, so it does change his actual surname.

I am worried he would be done for fraud if he doesn't say anything.

OP posts:

desperateforaholiday · 26/01/2014 15:27

Yes he needs to tell them, I don't understand why he wouldn't.

AnyFucker · 26/01/2014 15:27

of course he should say something

is your OH a bit thick ?

a mistake has been made, they won't refuse him another account...unless he really is committing identity fraud ?

Flossyfloof · 26/01/2014 15:27

How old are you?

allthingsfluffy · 26/01/2014 15:28

I think you are over thinking. Its their mistake. Its only bad if he doesn't point it out and then takes credit out under that name I suppose.

Just tell them.

ToffeeWhirl · 26/01/2014 15:28

As far as I know, you can open a bank account in any name you choose, but if you use it for criminal activity that is obviously against the law.

BillyNotQuiteNoMates · 26/01/2014 15:28

He does need to tell them asap, but it's not "really bad" they will just issue a new card and change the details.

Original poster

DizzyZebra · 26/01/2014 15:29

Anyfucker - Hes usually not thick, but seems to take after his mum for thinking silly things over minor mistakes.

For example, we lived house and she assumed we had not paid our rent and had been evicted. No idea why as neither of us has ever done that before.

OP posts:

Original poster

DizzyZebra · 26/01/2014 15:30

Flossy i am 23, Why?

OP posts:

Ifcatshadthumbs · 26/01/2014 15:30

I don't understand why he doesn't just tell them! They'll just correct it and send him a new card. Honestly what a bizarre train of thought!

AnyFucker · 26/01/2014 15:30

Perhaps his mother knows he is actually a fraudster ?

Original poster

DizzyZebra · 26/01/2014 15:31

We moved house that should say

OP posts:

GlitzAndGiggles · 26/01/2014 15:32

If anything he can call the call centre and discuss it with them

LRDtheFeministDragon · 26/01/2014 15:32

Why on earth wouldn't he tell them?

DH gets this all the time (foreign name, transliterated out of cyrillic so there are different spellings knocking around). It's a pain in the arse but they never mind correcting it, why would they?

Original poster

DizzyZebra · 26/01/2014 15:32

Anyfucker - Haha,i think she's just a bit strange. She comes to the strangest conclusions sometimes. She's always convinced there is "something going on" as she says and we never know why.

OP posts:

StepAwayFromTheEcclesCakes · 26/01/2014 15:33

he will have to change it as they won't let him pay in cheques with a different name etc etc.

Original poster

DizzyZebra · 26/01/2014 15:34

LRD - Beats me. I said the same to him but he disagrees. People are always getting his name wrong since we moved to where we live now and always the same mistake as the bank made. Never been a problem before so im not sure why the bank would be any different.

OP posts:

Naoko · 26/01/2014 15:36

I had an account with my name in the wrong spelling for years. It was their mistake (clearly a data entry error, the letter they put is next to the one it should've been on a standard qwerty keyboard). I kept telling them, they kept saying they'd change it, and then didn't. Was a bit of an irritation but never actually caused me any trouble.

whitepuddingsupper · 26/01/2014 15:57

If anyone gets in trouble it would be the bank worker who opened the account not your DH. When I worked in a bank we had to have the account exactly matching the ID for money laundering purposes, I had a lady get rather irate because she wanted her account in her maiden name after a divorce but all her ID still had her married name, if we had opened the account with a different name than the ID we could have faced being reprimanded by the FSA. It should be easy enough for them to sort out in your case, they should want to sort it asap to protect themselves.

MostWicked · 26/01/2014 17:29

As far as I know, you can open a bank account in any name you choose, but if you use it for criminal activity that is obviously against the law

Not true. Your account must be in your name.

OP, your OH needs to tell the bank ASAP. What would be the use of an account in the wrong name anyway?

HerGraciousMajTheBeardedPotato · 26/01/2014 17:36

I have various accounts in various names: childhood name, post name-change name, and married name. There has never been any issue with managing any if the accounts, transferring money between them, etc. I know people who have accounts in different names, one for work and one for private, for example, all above board.

Using a name other than that on your passport is not illegal, as long as there is no intention to commit any crime, and as long as no crime has been committed.

OTOH mistakes are very inconvenient, and the OP's OH should get it corrected ASAP.

MostWicked · 26/01/2014 17:53

You can have accounts in different names, such as married and maiden name, but they must be YOUR name. You cannot have an account in a made up name.

HerGraciousMajTheBeardedPotato · 26/01/2014 18:02

Why not? If Dizzy Whittington wants to start calling himself Qwerty Whittingham, he can - as long as he's not doing so for unlawful purposes - so why not start by setting up a bank account in that name?

desertmum · 26/01/2014 18:16

My name was entered into a join account with my husband years ago, I've not done anything with the account until recently, and when I went in to set up direct debits, transfer money etc. they wouldn't let me because the account name and my ID name didn't match by ONE character. Took a week to sort out. Do it now.

Rooners · 26/01/2014 18:19

The only thing is, if it's wrong, they might require proof of ID (again) to prove your proper name.

I opened a credit card instore when I bought a sofa last year (Laura Ashley) because you get 10% off the purchase.

Apparently the year of birth was incorrect meaning I couldn't get through security when I rang up. I don't know why - I seem to remember filling it in correctly. But anyway.

I had to send a copy of my driving license to the bank with a covering letter for them to be able to change it. Then I got a letter saying thanks but the day of birth is wrong too - can you send a letter confirming your correct DoB?

So I did. Only to get another letter saying ;sorry but you need to provide evidence'/

So I rang up and the woman in India just changed it for me on the phone.

Bonkers

Ps I have a mother like that too, the number of brothels she has lived next door to you wouldn't believe.

sooperdooper · 26/01/2014 18:25

He just needs to tell them they've made a mistake, it's their error, not his and it's really not a big deal, it's just something that needs sorting out, his mum sounds bonkers!!

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