I have had recent had letters from Orange, O2 and Vodafone confirming new mobile accounts and insurance for new mobile contracts.
These have nothing to do with me and are confirmed fraud by the mobile companies concerned.
What is interesting is that the name address and date of birth info has been correctly used but the Bank Account details that DDs have been set up on are not mine so I assume who ever has these may have been getting DDs onto their accounts.
I though oh well and I will do a credit check on myself in a couple of weeks to see what it has recorded about this.
I then discovered someone else locally who has had the same problem.
So is it just two of us of have other people recently had the same problem ?
I also don’t understand how a credit check could be done on a correct address but incorrect bank account ?
I assume the motive is to get hold of a valuable smart phone to sell on ?
Found a second person on Oxford who has had this problem and advises that if it happens make sure the credit agencies are told and the police in case of future problems.
Also see a similar conversation is going on over at Harringay on line
In my investigations I have come across CIFAS which charge you £14 + vat a year to provide an extra level of verification when a credit check is completed on you.
Experian seem to want nearly £15 a month for this and insurance.
Worth a look I would say !
You do your best to protect yourself against identity fraud, but thieves will always find a way.
Last year I had some fraudulent transactions on my American debit card. I use that card maybe twice a year to withdraw cash in New York. I always use 'proper' ATMs inside banks. Everything else goes on a credit card.
How the hell did they get my details? Not only did they have the card number, but they also had my name. Not my full name that's on the card, but the name that everyone calls me. How?! I never use that card online or in shops.
Credit where it's due, HSBC did contact me as soon as they realised something dodgy was going on. They cancelled the card and refunded everything. But they couldn't (wouldn't?) tell me how it happened in the first place.
Turned out that Carphone Warehouse is where the fraud was committed they checked my Equifax records three times in three days. Also had a credit check form a Danish On –Line company.
Now starting the process of getting these removed from the record – will be interesting !
I am still clearing up the mess created by these frauds. Speaking to one of the companies involved fraud departments you are aparently really open to indentity fraud if you are a director of a company as it is easy for the criminal to find your date of birth etc from public records available on the internet, I tried and found director details for quite a few people on my street. It seems very stupid to have that info so easily availble
@rainbow_carnage, I recently read a book called DarkMarket by Misha Glenny. It is an extremely boring book but after reading it you will never want to do anything with a plastic credit or debit card again.
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