Telling my FIL to fuck off...

[FurCoatNoSnickers]

Long story short

FIL (and MIL) have a history of being controlling, rude (not just to me) He has a string of failed businesses and was declared bankrupt a few years ago.

When I opened my post today I’m intrigued by one from a bank with addresses to
“N Snickers”

On opening I can see that an account has been made with money deposited into it.

After a bit of detective work- turns out FIL has used my address to get a bank account.

I phoned him earlier for a mouthful of abuse - firstly him chastising me for opening his mail (we have the same first initial) so I was opening way a thought was addresses to me

He told me to mind my own business and that I was making a mountain out of a molehill

I told him he was committing fraud at which point he hung up on me.

How can I get the details changed? If I report him will be get into trouble

Also how the hell can he have used my address without a utility bill?

My mother did similar to me, opened catalogues in my name at her address (where I grew up) and left me with defaults and ruined my credit for years.

I would go apeshit at him, and I would worry about your DH's attitude too.

Report it. You need to protect your own finances and don’t want to be seen as complicit in fraud.

THIS ^

But I wonder why he opened the account in your name and not your DH's?

Could he have opened more than one account and your DH has been fielding his post for him?

Ring the bank today.

Report it immediately.

He could damage your credit rating, he could involve you in court procedures when his latest scam hits the buffers. This man should not be using your address or details for anything.

Do not simply return it with opened in error, no one at the bank will do anything about a returned letter. You need to call them directly.

Family relations should be the least of your worries.

Your dh/dp needs to know this is entirely unacceptable.

@SchadenfreudePersonified he didn't open the account in OPs name, please read the full thread. They have the same first initial, so post was addressed to 'N Snickers', which OP thought was her, when it was actually FIL.

Please tell FIL to fuck off, OP

I would be questioning whether I wanted to be part of any family that think fraud is just fine and normal!!!

“That could definitely damage your credit further down the line if what you say is true.”

No it couldn’t.

@SchadenfreudePersonified. I expected the account was opened in OP's name because she had the same first initial as Fil.

I would report & go nc with his family. For your DH to say that it's normal & all his family do it is very worrying. This is how criminals work. Look up money laundering & see the ways illicit money is moved around.

I hope the bank are able to tell you what documentation was used to open the account, and I'm glad to hear you are changing your locks!

Your dh sounds very controlled by his parents.

Contact the bank at once. Go into the branch in person if that's possible. He'll be annoyed but that's his look out and hopefully he won't do it again.

Your H gave him a utility bill.

Your FIL is committing fraud

Your DH probably aided & abetted him by giving him documents for proof of address

Don't let yourself be dragged in too.
Inform the bank of this letter and that your FIL has opened the account with your address, initial & surname
They'll figure out that he nicked your utility bill or something to do it

If FIL gets into trouble for committing fraud .... he shouldn't have committed the fraud

It needs to be reported. My friend is still clearing up the financial and legal mess 12 years after her mother used her details to fraudulently take out loans. He hasn't used your name - yet (or maybe just not in this particular case).

Given that he's used your address though, doesn't it mean that any debt collectors/bailiffs would be directed to your house in the case of unpaid debts?

See if the bank can help with how it was opened. Do you have any bills with just your initial?

Check your NODDLE report

They've recently been bought out and gone all American - they are "CreditKarma" now. Personally I'd give them a swerve as they seem to think that GDPR and privacy regulations don't apply to them.

Definitely report it. I had similar with one of my family members - it ended up with a bailiff knocking on my door and threatening to knock on all of the neighbours' doors unless I gave them his current address - which I didn't have! It was a total nightmare.

Satsuma I am going through the now - I cannot find any with just an initial. Is there a way a person could open an online utility account to my address?

I’ve told my Dh I’m going into the bank this morning (there’s one in our town open for a few hours today) to ask for what was used as identification and if they cannot tell me then I will involve the police if their fraud dept doesn’t take me seriously. Dh is insistent that he did not give him a bill.

It’s a very messy family- there are all in each other’s businesses- there’s sisters added as directors on companies, phones taken out at each others addresses and loans too- nobody has ever cheated anyone out of money

I just like to keep a tight rein on my business and finances and I think this baffles his whole family - I’m a very private person so the idea he could have a key sickens me.

I’ll get to the bottom of this. What scares me is that this could happen again - if he had chosen to only have online statements I would never have known would I?

This is awful! I hope the bank can help you - can you call an online banking number? Get the account frozen?

I'd report it the cheeky fuck.

Xpost- forgot it’s Saturday! Hoping they’ll help you to get to the bottom of this. 100% agree with you that you have to find out exactly what happened and what this man has done, and what your h knows or has done.

God this is potentially catastrophic! (((Hug)))

I’ve told my Dh I’m going into the bank this morning (there’s one in our town open for a few hours today) to ask for what was used as identification and if they cannot tell me then I will involve the police if their fraud dept doesn’t take me seriously

They'll cite "data protection" as a reason for not telling you ...

Benefitting from knowing my personal information? He knows my address and that’s it!?
When I just wanted to add a debit card in my name to our joint account I had to provide id and proof of address even though I had my own account at the same bank.
This could be money laundering, and you will be in trouble if you let it go.

DG even if fraud has been committed

I’m sure the bank won’t like me having a rant about how this was able to happen- loudly

They will have to investigate though won’t they?

What is the best credit checker online?

The bank should only take a bill dated within the last three months as proof of address.

Has someone changed your energy supplier? That can be done online.

How is your council tax demand notice addressed?