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Sent credit card in error

8 replies

lightningatmidnight · 09/10/2025 17:00

I have a current account with Lloyds and have recently received two letters from them, addressed to a my address and a random man’s name and containing replacement credit cards with a limit of £17,000. Initially assumed it was some sort of hack or scam. They’ve ‘investigated’ and are now telling me that they can’t tell me much due to GDPR but this was a former address for this man. I don’t believe this to be true, as the previous owner was a man with a totally different name who had lived here for 50 years. Really quite concerned about their keeping of sensitive information. He said that they hadn’t even contacted the man whose credit card it is, just put a block on his account. Can Lloyds just lie about this? This feels like a huge admin error on their part and I’m tempted to take it to the financial ombudsman.

OP posts:
lnks · 09/10/2025 17:03

I’m sure that there is lots they are doing as a result of this but they are not able to tell you. What is it you’re most annoyed about?

WatchingTheDetective · 09/10/2025 17:04

Perhaps she's annoyed that it could be the other way around and someone might be sent her credit card?

annonymousse · 09/10/2025 17:06

My bank did this with my credit card. The house number was wrong. I think they missed a digit. I rang them when the card didn't turn up. They referred themselves to the ombudsman? (I think) and I was given a cash award as compensation for the breach of gdpr.

pinkpony88 · 09/10/2025 17:09

I’d be concerned someone is using your address to run up bad credit. This happened to someone I used to know.

lightningatmidnight · 09/10/2025 17:22

I don’t believe that my information is safe, and I don’t feel at all comfortable that someone has taken out a credit card under my address. I find it alarming and it has caused me stress. I feel like they are downplaying it/lying and not treating it with seriousness. The advisor said that they hadn’t even contacted the man, just put a freeze on his account so expect that ‘he’ll get in touch with us’. In the meantime, it’s pure luck that I’m not a criminal and haven’t run up huge bills on his credit card. I’d like honesty about how this came to be as I don’t believe it is possible that this man lived here

OP posts:
annonymousse · 09/10/2025 17:52

It could be banks error and nothing to do with the man. It would be a bit stupid to deliberately send his card to your address. He can't access it so what benefit to him?

lightningatmidnight · 09/10/2025 18:18

annonymousse · 09/10/2025 17:52

It could be banks error and nothing to do with the man. It would be a bit stupid to deliberately send his card to your address. He can't access it so what benefit to him?

Yes, I know. That’s my point. This is a pretty major error on the bank’s behalf and surely points to their sensitive information storage systems being unfit for purpose?

OP posts:
MidnightPatrol · 09/10/2025 18:21

Maybe he’s given them a fake address.

I had a bailiff at my door, and someone had been using my address while not actually living here.

In your situation I’d probably just let them know, chuck it in the bin, and never think about it again tbh.

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