Someone has applied for and used a credit card in my name
Discussion
End of last week I received a copy invoice for almost £4K from well known company.
Items have apparently already been delivered to a trading estate and the suppliers driver off-loaded the goods into "the customers" white van. This was back at the start of February
Company tells me the payment has cleared but apart from getting a copy invoice (at my home address) I had no knowledge of the sale.
Company says contact email and mobile are dead.
I've spoken to the company and they won't give me the CC number, just that it's a Mastercard - have checked with my only Mastercard provider and nothing shown up there. Existing card cancelled, new one arrived today
How do I find out if there is an unknown card in my name?
I guess Plod won't be interested?
Items have apparently already been delivered to a trading estate and the suppliers driver off-loaded the goods into "the customers" white van. This was back at the start of February
Company tells me the payment has cleared but apart from getting a copy invoice (at my home address) I had no knowledge of the sale.
Company says contact email and mobile are dead.
I've spoken to the company and they won't give me the CC number, just that it's a Mastercard - have checked with my only Mastercard provider and nothing shown up there. Existing card cancelled, new one arrived today
How do I find out if there is an unknown card in my name?
I guess Plod won't be interested?
Open an account at Noddle, it’s free and you can see credit searches and accounts/cards in your name.
I had a current acct opened in my name, discovered when a debit card arrived. But by then they had already withdrawn the overdraft online. The bank registered me with CIFAS, so additional questions now get asked if anyone including me tries to open any accounts.
On Noddle I could see that following the current account they had searched for loans, but not managed to take one out.
I had a current acct opened in my name, discovered when a debit card arrived. But by then they had already withdrawn the overdraft online. The bank registered me with CIFAS, so additional questions now get asked if anyone including me tries to open any accounts.
On Noddle I could see that following the current account they had searched for loans, but not managed to take one out.
Have you ordered from this well known company before? It's possible its a F-up on their system, that someone with the same name as you has ordered this stuff, legitimately paid for it with their CC, but some how the invoice got switched to you.
Get your self signed up to experian/equifax. They'll provide you with details of credit lines open in your name, and credit searches done against your record. It should be possible to determine if your identity has been used to open a CC, and if so, which company the credit card is with.
You can then call them, and report the fraud, and freeze teh account. Their fraud team will investigate.
Get your self signed up to experian/equifax. They'll provide you with details of credit lines open in your name, and credit searches done against your record. It should be possible to determine if your identity has been used to open a CC, and if so, which company the credit card is with.
You can then call them, and report the fraud, and freeze teh account. Their fraud team will investigate.
apn said:
Open an account at Noddle, it’s free and you can see credit searches and accounts/cards in your name.
I had a current acct opened in my name, discovered when a debit card arrived. But by then they had already withdrawn the overdraft online. The bank registered me with CIFAS, so additional questions now get asked if anyone including me tries to open any accounts.
On Noddle I could see that following the current account they had searched for loans, but not managed to take one out.
Nice one - Just registered with Noddle - quite insightful for a freebie !! I had a current acct opened in my name, discovered when a debit card arrived. But by then they had already withdrawn the overdraft online. The bank registered me with CIFAS, so additional questions now get asked if anyone including me tries to open any accounts.
On Noddle I could see that following the current account they had searched for loans, but not managed to take one out.
Cheers
SS
Yeras ago, I received a letter from a debt collector about a £2k balance on an Amex Blue card. I've never had an Amex card of any colour so I phoned them. After a lot of faffing about I managed to get them to realise that it wasn't me but it was a pain.
It was a strange one - the fraudster had used my name and my mothers address, but in a different town. My mums's address wasn't a common one, but strangely enough also existed in the different town, 20 miles away. I never got to the bottom of it, but it must have been someone who knew of me.
It was a strange one - the fraudster had used my name and my mothers address, but in a different town. My mums's address wasn't a common one, but strangely enough also existed in the different town, 20 miles away. I never got to the bottom of it, but it must have been someone who knew of me.
Seesure said:
Nice one - Just registered with Noddle - quite insightful for a freebie !!
Cheers
SS
Noddle shows you your Call Credit file and is a good start.Cheers
SS
Do the same for Clearscore (shows you your Equifax credit file) and MSE Credit Club (shows you your Experian credit file). Both are 100% legit and will show you full reports for free once a month (as opposed to paying £14.99/mo to Equifax and Experian which would provide daily updates).
https://www.clearscore.com/
https://www.moneysavingexpert.com/creditclub
I honestly wouldn't bother being proactive about any of this, no one cares.
I recently got a "Welcome to O2" letter on my doormat, along with with a copy of the invoice for an iPhone I hadn't ordered. Being a good citizen, I called O2 and pointed out this was fraud, and they'd better cancel the account before the owner ran up a huge international phone bill. They were disinterested.
Three months later the debt collectors letters arrived, demanding a large 4 figure amount, clearly the fraudsters hadn't been shut down. The debt collectors got one call telling them to FOAD, and it all stopped.
So don't sweat it, no one cares. I suppose that the banks will start losing so much money that they start doing rather better checks, but they clearly aren't there yet.
I recently got a "Welcome to O2" letter on my doormat, along with with a copy of the invoice for an iPhone I hadn't ordered. Being a good citizen, I called O2 and pointed out this was fraud, and they'd better cancel the account before the owner ran up a huge international phone bill. They were disinterested.
Three months later the debt collectors letters arrived, demanding a large 4 figure amount, clearly the fraudsters hadn't been shut down. The debt collectors got one call telling them to FOAD, and it all stopped.
So don't sweat it, no one cares. I suppose that the banks will start losing so much money that they start doing rather better checks, but they clearly aren't there yet.
rxe said:
I honestly wouldn't bother being proactive about any of this, no one cares.
I recently got a "Welcome to O2" letter on my doormat, along with with a copy of the invoice for an iPhone I hadn't ordered. Being a good citizen, I called O2 and pointed out this was fraud, and they'd better cancel the account before the owner ran up a huge international phone bill. They were disinterested.
Three months later the debt collectors letters arrived, demanding a large 4 figure amount, clearly the fraudsters hadn't been shut down. The debt collectors got one call telling them to FOAD, and it all stopped.
So don't sweat it, no one cares. I suppose that the banks will start losing so much money that they start doing rather better checks, but they clearly aren't there yet.
Same here but with EE.I recently got a "Welcome to O2" letter on my doormat, along with with a copy of the invoice for an iPhone I hadn't ordered. Being a good citizen, I called O2 and pointed out this was fraud, and they'd better cancel the account before the owner ran up a huge international phone bill. They were disinterested.
Three months later the debt collectors letters arrived, demanding a large 4 figure amount, clearly the fraudsters hadn't been shut down. The debt collectors got one call telling them to FOAD, and it all stopped.
So don't sweat it, no one cares. I suppose that the banks will start losing so much money that they start doing rather better checks, but they clearly aren't there yet.
Called to tell, emailed and sent a recorded letter to EE and nothing happened. It turned out that when the fraudster got the Sim it ended up in a sim box and ran up a 4k bill.
EE no interest and I put it down to the amount of fraud they have on their networks vs.manpower to detect and stop it!
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