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Thread: Debit card received without me aplying for it

  1. #11
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    Quote Originally Posted by Mark Grant View Post
    I would add a Cifas entry to your credit file, 20 for two years.
    Read about it as it makes it very hard for anyone even you to apply for any type of credit as thorough checks will be made.
    https://www.cifas.org.uk/pr_for_individuals

    Sometimes your bank or card provider will add a Cifas for free when you have been a victim, I would just pay the 20 today and do it right now.

    Now that someone has enough information and ID to open a bank account in your name it will be easy for them to buy iPhones and ipads in your name on contracts that you will have to deal with also payday loans etc might be applied for.

    Also sign up for all of the free credit reports such as https://www.clearscore.com/ and https://www.noddle.co.uk/
    They only up date Monthly so not much use with ongoing fraud as always out of date data. They will send you a monthly email to remind you to check for changes and the email will say if your score has changed or new accounts opened etc.

    Also make sure your email accounts are secure with 2 factor login authorisation etc.

    Good luck !
    Thank you Mark, some useful stuff there. Not sure how to do 2 factor login authorisation for email, I'm with Talktalk and use Outlook 2007 as an email client. When emails come in to Outlook, they are deleted on the Talktalk server.
    Spendorman

  2. #12
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    Just had a thought, I am a customer of Talktalk, in 2015 they had a security breach, I may be the victim of this.
    Spendorman

  3. #13
    Join Date: Feb 2013

    Location: W Lothian

    Posts: 36,474
    I'm Grant.

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    Quote Originally Posted by spendorman View Post
    Just had a thought, I am a customer of Talktalk, in 2015 they had a security breach, I may be the victim of this.
    Ah, yes that could be it. Ive been lucky so far, but must double my efforts to avoid similar
    Regards,
    Grant ....

    I've said it before and I'll say it again: democracy simply-doesn't-work
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  4. #14
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    I had already signed up with Experian, thanks to Mark, yesterday I signed up to Noddle with a free account, which does not include alerts. Then I remembered, just after Taltalk had their security breach they emailed me a free voucher code for alerts with Noddle. Sure enough, there was a mention of the Talktalk voucher code on Noddle site, but when I entered it, came up with Invalid Code.

    The alerts should tell me if anyone tries to open up bank accounts in my name etc.

    I contacted Talktalk, and after a while they told me that the offer of free alerts had finished, but if I paid Noddle the 20 alerts fee, Talktalk would credit me with 2.50 per month for a year, which more than covers a year of alerts.

    I'd say this is good service from Talktalk.

    I started signing up to Clearscore, but part way though it was asking me for my annual income including any benefits, pensions and dividend payments. I halted at this point.
    Spendorman

  5. #15
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    Just a bit of an update. Over the last few days I've been busy changing various account passwords and memorable data. There are so many, including Paypal Ebay and Amazon. Probably, understandably, I have been feeling unsettled by what appears to be identity theft.

    I have registered with cifas and removed my name from the electoral roll, but I can still vote.

    Experian have been very good, my own banks too have been helpful.

    However, today, I received a call from the Complaints Manager at TSB (the bank that sent me the debit card with my details on, that I did not apply for), and he said that the case was now closed and they had done everything required of them and had done nothing wrong.

    I asked for my personal details that the fraudster provided TSB to enable them to open an account. They said that they would not tell me. I said that this was not reasonable and they said that they could not tell me because it was not me that opened the account!

    I said I was not happy with this, they replied that I could take it to the Financial Ombudsman. I asked who pays the Financial Ombudsman, the reply was the banks. I asked for the name of this guy's line manager, he refused, and said if I phone in again and ask, I will be refused again.

    I then asked if TSB would be making a gesture of goodwill for all the trouble and expense I have had, the answer was no. I said that I might report the whole matter to Money Which. He said that I could do that.

    Interestingly, towards the end of the call the guy told me that they had recorded the call, I said I had too. I also pointed out that they should have told me at the beginning of the call, and that is another complaint. He said to me that I should have told him too at the beginning of the call. My reply was that I am not a professional company.

    Not too happy with TSB's way of treating me. Just thinking of what to do next.
    Last edited by spendorman; 11-05-2017 at 13:41.
    Spendorman

  6. #16
    Join Date: Nov 2008

    Location: Belfast/Northern Ireland/UK

    Posts: 16,426
    I'm Neil.

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    Quote Originally Posted by spendorman View Post
    Just a bit of an update. Over the last few days I've been busy changing various account passwords and memorable data. There are so many, including Paypal Ebay and Amazon. Probably, understandably, I have been feeling unsettled by what appears to be identity theft.

    I have registered with cifas and removed my name from the electoral roll, but I can still vote.

    Experian have been very good, my own banks too have been helpful.

    However, today, I received a call from the Complaints Manager at TSB (the bank that sent me the debit card with my details on, that I did not apply for), and he said that the case was now closed and they had done everything required of them and had done nothing wrong.

    I asked for my personal details that the fraudster provided TSB to enable them to open an account. They said that they would not tell me. I said that this was not reasonable and they said that they could not tell me because it was not me that opened the account!

    I said I was not happy with this, they replied that I could take it to the Financial Ombudsman. I asked who pays the Financial Ombudsman, the reply was the banks. I asked for the name of this guys line manager, he refused, and said if I phone in again and ask, I will be refused again.

    I then asked if TSB would be making a gesture of goodwill for all the trouble and expense I have had, the answer was no. I said that I might report the whole matter to Money Which. He said that I could do that.

    Interestingly, towards the end of the call the guy told me that they had recorded the call, I said I had too. I also pointed out that they should have told me at the beginning of the call, and that is another complaint. He said to me that I should have told him too at the beginning of the call. My reply was that I am not a professional company.

    Not too happy with TSB's way of treating me. Just thinking of what to do next.
    That's appalling. Speak to your local police force and get them involved. I would also approach local independent media and the BBC and get them involved through a suitable TV or radio show. The TSB will not like the publicity.
    Regards Neil

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  7. #17
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    Quote Originally Posted by Dalek Supreme D L View Post
    That's appalling. Speak to your local police force and get them involved. I would also approach local independent media and the BBC and get them involved through a suitable TV or radio show. The TSB will not like the publicity.
    That's what I feel, tomorrow, I'll probably go to the local Police Station, yes we still have one, but it's not open often.

    Nearly every day I listen to BBC Three Counties consumer programme, headed by JVS (Jonathan Vernon-Smith), possibly I could contact them. Also, my neighbour often writes, and gets published, letters to newspapers like The Times. He would do a good one for me.
    Spendorman

  8. #18
    Join Date: May 2016

    Location: Birmingham, U.K

    Posts: 272
    I'm Taz.

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    Hi Alex, download and run this software https://home.sophos.com is free and will find almost any hidden viruses within your system. From what I understand some malicious files can hide in folders where normal anti virus programs won't look, this will find them. I thought I was really secure till I found 2 Trojans hiding away...

  9. #19
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    Thank you Taz, I will do and report back.
    Spendorman

  10. #20
    Join Date: Feb 2008

    Location: Middlesex, UK

    Posts: 2,992
    I'm Alex.

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    I have Avast free on the machine, I presume that Sohos is compatible?
    Spendorman

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