Credit card...

mudcow007
mudcow007 Posts: 3,861
edited August 2013 in Commuting chat
Some swine has applied for a credit card in my name grr

had all the letters come through this morning

wee bit naughty innit
Keeping it classy since '83

Comments

  • rubertoe
    rubertoe Posts: 3,994
    Was it you?
    "If you always do what you've always done, you'll always get what you've always got."

    PX Kaffenback 2 = Work Horse
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  • mudcow007
    mudcow007 Posts: 3,861
    nope, unless i ordered one when i was horribly drunk

    thats a possibility actually
    Keeping it classy since '83
  • wandsworth
    wandsworth Posts: 354
    Some trickster might apply for a credit card in your name, but if he also gave your address that suggests he hasn't really thought it through ...
    Shut up, knees!

    Various Boardmans, a Focus, a Cannondale and an ancient Trek.
  • clarkey cat
    clarkey cat Posts: 3,641
    just throw it all in the bin. without your signature its not an enforceable agreement

    s.61 Consumer Credit Act 1974.
    Dolan Mythos
  • suzyb
    suzyb Posts: 3,449
    Worth going to the fuzz to report a possible identify fraud.
    Whippet
  • clarkey cat
    clarkey cat Posts: 3,641
    the cops couldn't give a toss about ID fraud.
    Dolan Mythos
  • bails87
    bails87 Posts: 12,998
    I get precompleted credit card applications once every month or so. It's just the credit card companies offering you a card.

    As above, presumably it's not a scam/fraud or they'd have had the card sent to their address.
    MTB/CX

    "As I said last time, it won't happen again."
  • cyclingprop
    cyclingprop Posts: 2,426
    If you're worried sign up to CIFAS.
    What do you mean you think 64cm is a big frame?
  • mudcow007
    mudcow007 Posts: 3,861
    the letter that i got gives my full name an address an states "thank you for applying for a Tesco credit card, unfortunately on this occasion we cant approve your application......."

    i phoned them, an they reckon it failed on fraud protection!?
    Keeping it classy since '83
  • moarspeed
    moarspeed Posts: 119
    I get two partially filled in CC applications every month, one from Barclays, one from <can't remember>. I just send them each others junk mail using the pre-paid envelopes (minus my own details of course) :lol:
  • bails87
    bails87 Posts: 12,998
    mudcow007 wrote:
    the letter that i got gives my full name an address an states "thank you for applying for a Tesco credit card, unfortunately on this occasion we cant approve your application......."

    i phoned them, an they reckon it failed on fraud protection!?
    Hmm, that is odd.
    MTB/CX

    "As I said last time, it won't happen again."
  • vermin
    vermin Posts: 1,739
    They are sending those letters out to everyone in Liverpool apparently.
  • mudcow007
    mudcow007 Posts: 3,861
    argh...

    just had another "welcome pack" from another bank!!

    just on hold to them now

    :(
    Keeping it classy since '83
  • clarkey cat
    clarkey cat Posts: 3,641
    mudcow - what credit card companies are these?
    PM me if you dont want to name and shame in public.
    Dolan Mythos
  • mudcow007
    mudcow007 Posts: 3,861
    first one was Tesco - Tesco declined the application due to it looking fraudulent

    the one today is Halifax - was accepted but was awaiting signature (the pack this morning stated welcome to your unlimited current account with £2000 over draft)

    they have set me up on the "register" now according to the bloke i just spoke to at Halifax, so if there are any further applications in my name they will require photo id etc

    im worried it will effect my scoring!?
    Keeping it classy since '83
  • moarspeed
    moarspeed Posts: 119
    Ok, so someone is fraudulently trying to set this stuff up in your name?
    I assume they're doing this online?

    The bank should be going to the Police and the Police should be tracing the originating internet IP address. If this is happening to you, you can guarantee it's happening to other people, the Bank and the Police should be taking it very seriously.
  • PBo
    PBo Posts: 2,493
    Happened to me a while back - fortunately my mail was being redirected so three agreements came to me. They definitely weren't marketing per approved applications, they were successful applications.


    Reported it to each issuer. Everything was stopped and apparently no -ve credit issues.
  • bendertherobot
    bendertherobot Posts: 11,684
    Shame really, the Tesco card is excellent. We get tonnes of clubcard points :D
    My blog: http://www.roubaixcycling.cc (kit reviews and other musings)
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  • The Rookie
    The Rookie Posts: 27,812
    Prefer cold hard cash(back) myself!
    Currently riding a Whyte T130C, X0 drivetrain, Magura Trail brakes converted to mixed wheel size (homebuilt wheels) with 140mm Fox 34 Rhythm and RP23 suspension. 12.2Kg.

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