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      • 14 replies
lost1701

Ex opened new account in my name at old address to cash a cheque in my name? - fraud?

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Hi

 

To cut a long story short,

looked at my credit file last week and came across a santander account,

registered to an address 2.5 years ago,

where my children live and where my ex is.

That was odd as ive never opened an account.

i phoned santander. They stopped cards and internet banking.

 

They told me to go in branch and supply identification and address etc to recover account.

I did this has been done.

I now have ownership of this account as of last saturday.

 

They also gave me a statement,

The statement reads that on the 15th of june a cheque was put into the account for 1048

The following three days 300 was taken then the remaining a day later.

 

I have sent an email to their head office to look into it.

My ex denies all knowledge but realistically the account was open there.

..the card went there..

.the pin went there.

 

 

Im not poirot but i mean who else.

Regardless the cheque. a sum of 1048 that sounds like a calculation not someone giving it to her and so it doesnt flag up on her bank puts it in that one.

I think

 

A cheque arrived in my name

someone..opened the account

said person put the cheque in

said person took the cash out once clear.

 

im fairly certain from something that cheque was mine

 

My question is how to reclaim this.

The way i see it, how was an account opened on an address ive not lived for 2.5 years?

 

Id like some clarification of how to proceed if possible.

Women are devious, but £1048 is not £2 so need to reclaim that

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its fraud.


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im aware its fraud dx. My point is how to go about it, surely santander are liable?

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Santander are liable if they have breached their duty of care. You don't yet know if they have. Have you asked them for the account opening documents?

 

Yet, since you are claiming fraud :

a) ask them where / who the cheque was from

b) then go to the police if you believe there has been a fraud.

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satans bank wont touch it

its fraud

you need to goto the police fraud debt


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

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They are, santander are going to get the cheque so i can see exactly who the cheque was from. Surely as the branch shows quite clearly where it was put in,do they not keep branch cctv records to confirm who put it in?

 

i will update the thread when i get a response from them.

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You can post / deposit cheques to a Santander Account using their provided envelopes or pay it in at any Post Office.

Paying in slip requires a signature of account holder.


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OP has not provided evidence yet that wife opened the account or the transaction was fraudulent. Could be a teller inputted the wrong account number, so Bank can reclaim £1048, or that OP has any right to £1048.

 

 

Don't forget Direct Banking by PC Andy

many payments can be sent to wrong bank/account.

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OP has not provided evidence yet that wife opened the account or the transaction was fraudulent. Could be a teller inputted the wrong account number, so Bank can reclaim £1048, or that OP has any right to £1048.

 

 

Don't forget Direct Banking by PC Andy

many payments can be sent to wrong bank/account.

 

That might explain the payment, but wouldn't explain the account opening.....

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No my initial statement confirms I'm not certain it was her. Asides from everything went to that address and the cheque was put in the next town across due to a branch not in the town where the address is.

Why also would I open an account at an address i lived at 2.5 years ago

Third the cheque in and subsequent deposits quickly taken out and the account left dormant until I've just found it on my credit file.

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