Bank account opening in my name - not mine!

[lee79]

Hi all.

 

I’m 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.

 

I’ve 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 it’s a current account, not loan etc.

They’ll investigate and send me a letter in 10 days detailing what evidence was used to open the account.

They’ve stopped the account and put a note on it.

[fkofilee]

Id also raise a formal complaint With them...

[lee79]

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 fraud with loans to gain money.

Edited August 11, 2018 by dx100uk
Spacing

[fkofilee]

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

[dx100uk]

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

[fkofilee]

Also funds laundered on from Criminals.

They ask you to pass it on to another account... Typical [problem]...

Ends up with CIFAS... Its never good.

 

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

[lee79]

I’ll keep the thread updated. Hopefully it will be sorted out eventually. Thanks for the replies.

[lee79]

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.

[dx100uk]

yes it should have

 

pers I think id ring actionfraud too in this instance

one A/C ok but numerous.

 

this is fraud

[AndyOrch]

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.uk/forum/showthread.php?387306-Full-Subject-Access-Request-under-the-new-GDPR-2018-regime

 

You can email the request.

[lee79]

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. I’m really annoyed at how little they care and the arrogance of the person who looked into this issue especially considering the reason I’ve contacted them.

[lee79]

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.uk/forum/showthread.php?387306-Full-Subject-Access-Request-under-the-new-GDPR-2018-regime

 

You can email the request.

 

Good point and I was thinking along similar lines - taking a more active approach investigation.

[lee79]

Update. I know this is my fault but I let TSB decide the speed of the complaint. Letter after letter was sent, telling me how they’re looking into the complaint and finally it’s been closed as far as they’re concerned. The outcome? Well, apparently these accounts are still mine. What a surprise.

 

I’ve just contacted the Ombudsman and they’re are looking into whether they can investigate or not. It’s seems it’s a bit of a grey area due to me claiming not to be the consumer.

 

TSB’s complaint team are absolutely appalling. I genuinely feel they’re trying their luck in terms of palming me off. They’ve clearly not looking into the complaint in detail as I’ve proven I didn’t live at the registered address.