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Original poster

Can anyone assist in this strange issue

108 replies

LJC1234 · 22/05/2021 09:53

Firstly apologies if this is in the wrong section. I wasn't sure where it should go but is financially related.

I got married 3 years ago. Always intended to take DH name but haven't legally changed it on anything ( other than Facebook)

All my cards / bank and work is in my current maiden name.

We are currently in the process of remortgaging as have reached the end of our current deal. We use a broker.

A few days ago one of my credit cards sent me a new card in my married name. I have not requested a name change. The next day another followed I called the companies and spoke to the fraud team to get an idea why it was requested and they have no idea they are absolutely baffled . They are confident it's not fraud but that something is prompting it they are still investigating.

I have racked my brains but cannot think of anything I have submitted in my married name that would prompt my card company to change my name. I don't use that name.

Today the mortgage advisor has got in touch to say that the application made in my maiden name has been rejected but my married name was accepted . He now needs proof I've changed my name for the mortgage company.. only I haven't changed my name . He wants a letter from my work confirming my identity only again work don't know me in that name ! It's a nightmare. I can obviously on Monday start the ball rolling with all that.

My main question is has anyone ever heard anything like this or anyone got any ideas what on earth I have completed that has promoted my name to change automatically? So stressed and confused.

OP posts:
dementedpixie · 22/05/2021 10:55

That is bizarre. Companies usually require a copy of your marriage certificate to change names. You dont automatically change name on marriage, its a personal choice.

dementedpixie · 22/05/2021 10:57

I had to send a copy of my marriage certificate to change the name on the gas bill so i don't see how a credit card company could do it with no prompting. Do you even want to change your name?

eurochick · 22/05/2021 11:05

That really is an odd one! Are the credit cards from two different providers or are they linked?

Original poster
LJC1234 · 22/05/2021 13:26

It's so strange and also baffling.

So the two credit card companies are linked.

I didn't want to change my name yet as I have holidays booked in my maiden name and don't want to do a name change which is annoying.

We are wondering if our mortgage broker has caused this by accident as today we received a letter from a mortgage company to discuss our offer. He must have applied and it's addressed to my married name. The letter was issued 4 days before my credit cards changed and the mortgage offer is with a linked company to the credit cards.

It's baffling but I will be cross if I have to know change everything to get the mortgage .

OP posts:
dementedpixie · 22/05/2021 13:31

I'd raise a complaint tbh. They have changed your details without your knowledge or consent

BelleBlueBell · 22/05/2021 13:35

I'd be wanting to make sure nothing fraudulent was going on. How can the credit card companies be changing your name without any kind of documentation?

That's very strange

Original poster
LJC1234 · 22/05/2021 13:56

@BelleBlueBell

I'd be wanting to make sure nothing fraudulent was going on. How can the credit card companies be changing your name without any kind of documentation?

That's very strange

Yes I've spent a long time talking to fraud re my credit cards and a complaint has been raised. It's been prompted so I know no ones changed my name . Initially just thought it was the credit cards but now the mortgage has been refused in my maiden name it's just so confusing.

The one link in the whole saga is Halifax thou . The mortgage being applied to is via them and they link all three companies so I feel like this may be an issue with them.

It's so stressful.

OP posts:
eurochick · 22/05/2021 16:22

I bet your mortgage broker has done something, but a third party shouldn't be able to change name on your banking arrangements without your permission.

Notaroadrunner · 22/05/2021 16:30

Contact the brokers on Monday and ask that they rectify their error. Tell them you have no intention of taking your husbands name. Cannot believe your application could be refused in your maiden name. That has to be bullshit. Point out to whatever idiot you've been dealing with that unmarried couples actually get mortgages too. Don't go changing your name just to appease them. It's ridiculous.

chesirecat99 · 22/05/2021 16:33

What is your name on the electoral register? Have you checked your credit records to see what name they are in?

I would guess that it is something to do with the mortgage broker but it seems strange that the mortgage application in your maiden name was rejected but not the married name. And why would he apply twice?!! I wonder if he made a mistake and gave your married name on some preliminary paperwork and that has set something in motion and now he can't correct change it back.

mynameisigglepiggle · 22/05/2021 16:34

You shouldn't need to change your name.
I'm not sure how a mortgage can be refused in your maiden name then approved in your married name given it should go off financial eligibility.
If it's just the fact that you are married then your marriage certificate proves that - you don't need to change your name!

AdoraBell · 22/05/2021 16:36

Do you have a passport?

BelleBlueBell · 22/05/2021 16:39

@chesirecat99

What is your name on the electoral register? Have you checked your credit records to see what name they are in?

I would guess that it is something to do with the mortgage broker but it seems strange that the mortgage application in your maiden name was rejected but not the married name. And why would he apply twice?!! I wonder if he made a mistake and gave your married name on some preliminary paperwork and that has set something in motion and now he can't correct change it back.

I can't work out how applying for a mortgage in any name would trigger a change though. Getting anything changed on any account would need some kind of paperwork not just a rubbish broker who can't fill a form in correctly.

I'd ask them to tell you want evidence they used to change the name, sounds like somebody at Halifax hasn't been doing their job correctly.

LBOCS2 · 22/05/2021 16:45

I can't help with your credit card/mortgage problems, but I will say that the name on your holiday doesn't matter as long as it is the same name as your passport.

I travelled on my maiden name for 9 years after getting married as I'd had a new passport the year previously and didn't want to pay to change it! Literally everything else was in my married name - banking, mortgage, driving licence, professional memberships. It was just my passport left in the end.

AdoraBell · 22/05/2021 16:48

I would go into the bank with passport and the credit cards in your name, not the newly issued ones, and say -this is me, now show me what ID the person who changed the name used to do so. I would also tell them that the credit companies have raised a fraud file because someone changed the name fraudulanty .

gmailconfusion2 · 22/05/2021 16:55

I had this by nationwide. 'the more works is a subsidery of them, and by me submitting my details for them to be our broker apparently this meant they could automatically update the names on all my accounts with nationwide wide, without telling me, meaning I couldn't access my account over the phone. I took paperwork, I shouted, and they refused to change it back. The financial ombudsman was no help so I shut my accounts and left.

alexdgr8 · 22/05/2021 16:55

are you absolutely sure that'
it's not your husband, as he would have the marriage cert and could have submitted it along with request to change name, almost if he wa applying as you.
surely the credit card etc must have an audit log of the request to change name: who, how, when, supporting docs/ID.
could your husband have realised, or been told, that you both would have better chance re mortgage if you applied in married name.

dementedpixie · 22/05/2021 16:59

Why would it make a difference? They have made a cock up somewhere and I wouldn't be happy with it either

chesirecat99 · 22/05/2021 17:00

I can't work it out either @BelleBlueBell unless it is something to with the banks being linked so if the details are updated on one account on the system, all the accounts change so you don't have to send proof of the name change separately for each account with the bank. You wouldn't need to show your marriage certificate to open a new account in your married name, only change the name on an old account. You would need ID to open a new account though.

I suppose it could be a flaw in the system if the application has updated the system before an ID check, which, IIRC isn't necessarily done when the initial mortgage application forms are filled in. I think you can start the process before you have to provide them.

SimonedeBeauvoirscat · 22/05/2021 17:03

Has your mortgage broker made an application in one name, then put in an application in the other name, causing the first application to be turned down as it’s a duplicate?

FlorrieLindley · 22/05/2021 17:11

I got married and didn't change my name. My husband and I then applied for a mortgage together and there was nothing said or done about us being married but having different names. 25 years later I'm still using my own name on everything, tax, bank, passport etc.

chesirecat99 · 22/05/2021 17:13

@gmailconfusion2

I had this by nationwide. 'the more works is a subsidery of them, and by me submitting my details for them to be our broker apparently this meant they could automatically update the names on all my accounts with nationwide wide, without telling me, meaning I couldn't access my account over the phone. I took paperwork, I shouted, and they refused to change it back. The financial ombudsman was no help so I shut my accounts and left.
So it probably was the mortgage broker's cock up and he is covering himself by saying the application in your maiden name was declined because he knows it will be a nightmare to correct his mistake now it has been entered on the system and everything changed. There probably never was an application in your maiden name.
Original poster
LJC1234 · 22/05/2021 17:56

@SimonedeBeauvoirscat

Has your mortgage broker made an application in one name, then put in an application in the other name, causing the first application to be turned down as it’s a duplicate?
I think this might be exactly what's happened
OP posts:
Original poster
LJC1234 · 22/05/2021 17:57

@alexdgr8

are you absolutely sure that' it's not your husband, as he would have the marriage cert and could have submitted it along with request to change name, almost if he wa applying as you. surely the credit card etc must have an audit log of the request to change name: who, how, when, supporting docs/ID. could your husband have realised, or been told, that you both would have better chance re mortgage if you applied in married name.
Def not my husband applying we do all the forms together
OP posts:
Original poster
LJC1234 · 22/05/2021 17:58

@AdoraBell

Do you have a passport?
Yes my passport is in my maiden name
OP posts: