Jump to content

 

BankFodder BankFodder


lee79

Bank account opening in my name - not mine!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 368 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

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.

Share this post


Link to post
Share on other sites
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 by dx100uk
Spacing

Share this post


Link to post
Share on other sites

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


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

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.


 

We could do with some help from you.

 

Have we helped you ...?         Please Donate button to the Consumer Action Group

 

**Fko-Filee**

Receptaculum Ignis

 

Share this post


Link to post
Share on other sites

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

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

yes it should have

 

pers I think id ring actionfraud too in this instance

one A/C ok but numerous.

 

this is fraud


please don't hit Quote...just type we know what we said earlier..

 

Share this post


Link to post
Share on other sites

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.


We could do with some help from you.

PLEASE HELP US TO KEEP THIS SITE RUNNING EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service

 

If you want advice on your thread please PM me a link to your thread

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites
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.

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...