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    • Hi @BankFodder
      Sorry for only updating you now, but after your guidance with submitting the claim it was pretty straight forward and I didn't want to unnecessarily waste your time. Especially with this guide you wrote here, so many thanks for that
      So I issued the claim on day 15 and they requested more time to respond.
      They took until the last day to respond and denied the claim, unsurprisingly saying my contract was with Packlink and not with them.
       
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Bank account opening in my name - not mine!


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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.

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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
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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..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

 

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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.

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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..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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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

 

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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.

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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.

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  • 6 months later...

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.

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