Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    lee79 Novitiate



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    Default Bank account opening in my name - not mine!

    Hi all.

    Iím looking for some advice.
    I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0.

    I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score.

    Here are more details anyhow.

    The account was opened approx 3 years after we left the address it is registered at in 2014.

    There have been regular payments into the account/loan and everything other than it being false, seems ok.

    Payments stopped in April of this year and is marked up to date as of the end of April.

    Not sure how they managed to get my details as we had a redirect on for the mail and quickly notified people of our change of address etc. but something got through or left behind in the move.

    Iíve contacted the bank and have been given the number for their fraud department and have also marked the account as disputed on noodle.

    What I would like to know is what steps should I take to make sure this account is dealt with appropriately.

    Thanks and any questions that might help let me know.

    Spoke to their fraud department and itís a current account, not loan etc.
    Theyíll investigate and send me a letter in 10 days detailing what evidence was used to open the account.
    Theyíve stopped the account and put a note on it.


  2. #2
    Site Team fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee's Avatar



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    Default Re: Bank account opening in my name - not mine!

    Id also raise a formal complaint With them...


  3. #3
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    Quote Originally Posted by fkofilee View Post
    Id also raise a formal complaint With them...
    Will do.
    Looks like whoever opened it has finished with it now as well.
    There’s no deposits since April.

    Just can’t understand why they would do it.
    I associate bank fraudicon with loans to gain money.

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  4. #4
    Site Team fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee Authoritative fkofilee's Avatar



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    Default Re: Bank account opening in my name - not mine!

    Not necessarily. Also consider Money Mules... That never ends well.


  5. #5
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Bank account opening in my name - not mine!

    Typically its done to launder cheques that have cone thru in someones name
    Youd have to get the statement s
    Used to be hmrc tax rebates years ago
    As those letters never got redirected


  6. #6
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    Default Re: Bank account opening in my name - not mine!

    Also funds laundered on from Criminals.
    They ask you to pass it on to another account... Typical [problem]...
    Ends up with CIFASicon... Its never good.

    IF you struggle with TSB come back and let us know.


  7. #7
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    Default Re: Bank account opening in my name - not mine!

    Iíll keep the thread updated. Hopefully it will be sorted out eventually. Thanks for the replies.


  8. #8
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    lee79 Novitiate



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    Default Re: Bank account opening in my name - not mine!

    Accordingly to TSB’s Senior Operations
    Manager the account is mine.
    Not only that but 5 others are mine as there are also 5 savings accounts.
    Funny how I managed to forget about them.
    I think it’s fair to say they dedicated about 10 minutes looking into this.

    Now I have to appeal the decision by repeating what I said on Saturday.

    I’m not trained to the same level as their Ops Manager but surely the accounts being opened 3 years after leaving the address and being opened very close to each other should have set off alarm bells somewhere.


  9. #9
    Site Team dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk Highly authoritative dx100uk's Avatar



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    Default Re: Bank account opening in my name - not mine!

    yes it should have

    pers I think id ring actionfraud too in this instance
    one A/C ok but numerous.

    this is fraud


  10. #10
    Site Team The Consumer Action Group Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch Highly authoritative Andyorch's Avatar



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    Default Re: Bank account opening in my name - not mine!

    So given all these accounts are yours...and the Senior OPS Manager having fully investigated it all within 10 mins...perhaps time for a DSAR request...of course they couldn't possibly breach the DPA given the fact that Senior OPS Manager has thoroughly investigated and is happy that you should be supplied all data in connection to the 6 accounts.

    https://www.consumeractiongroup.co.u...PR-2018-regime

    You can email the request.


  11. #11
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    lee79 Novitiate



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    Quote Originally Posted by dx100uk View Post
    yes it should have

    pers I think id ring actionfraud too in this instance
    one A/C ok but numerous.

    this is fraud
    I think I will dx, thanks. Iím really annoyed at how little they care and the arrogance of the person who looked into this issue especially considering the reason Iíve contacted them.


  12. #12
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    lee79 Novitiate



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    Quote Originally Posted by Andyorch View Post
    So given all these accounts are yours...and the Senior OPS Manager having fully investigated it all within 10 mins...perhaps time for a DSAR request...of course they couldn't possibly breach the DPA given the the fact that Senior OPS Manager has thoroughly investigated and is happy that you should be supplied all data in connection to the 6 accounts.

    https://www.consumeractiongroup.co.u...PR-2018-regime

    You can email the request.
    Good point and I was thinking along similar lines - taking a more active approach investigation.



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