Help I'm under 18 I think someones tried fraud using my account

PROLIANT

sutton111 wrote: »

Sorry Mr P.

Its alreet, no problem.

sutton111

When i was 16 i had to have a bank account to have my wages paid into because i worked part time while being at sixth form, i got declined for a bank accounts they referred me to get my credit file and as i said i was 16 at the time!!!!

I seriously think you should either contact the CRA's.

Also as another poster said, write to the banks.

PROLIANT

adeshsb wrote: »

I did go into lloyds and they didn't take me into the back they just said no

adeshsb wrote: »

My first step would be to go into the bank, and ask them why the accounts were closed.

2 outcomes here -

1. They tell you 'no'.
2. They take you into the back, and explain to you what is wrong, so that you can fix it.

Btw, i was 16 & 2 months when i opened my first bank account. It was natwest and i took my first pay cheque (£45 a week) into it (was in 2000) and ive held the account since then.

If you dont speak to them, and move onto the next bank, the next one will be closed as in the credit report it will say.. -

NATWEST - ***Account Closed***
BARCLAYS - ***Account Closed***
LLOYDS - ***Account Closed***

If you catch me, the next one is going to say '***Account Closed***;.

Ask and you shall receive.

Good luck,

Alias

You were 16 almost 9 years ago?

sutton111

PROLIANT wrote: »

[/i]

You were 16 almost 9 years ago?

I think Alias_Omega wrote that not the OP, Mr P.

Alias_Omega

that was my post.. ^^^^^^

see #14..

TheEffect

adeshsb wrote: »

i do cause hsbc said to me that I should have a look at my credit report which i can't get

You DO NOT have a credit report. You're under 18 and therefore banks will not do a credit search or report to credit reference agencies.

HSBC may say you do have a credit report, but I can tell you that you do not. No one under the age of 18 can obtain or apply for credit and bank accounts for under 18's (When the customer is under 18) are not credit checked or searched.

Once again, YOU DO NOT HAVE A CREDIT REPORT!

PROLIANT

Ok matey, this is what you need to do; as you are under legal age for voting and being bound to a legal contract such as a credit agreement - just to clarify you are under 18 right? If so you need to obtain your credit files from all three agencies; Call Credit, Experian and Equifax, look at what ever you get through the post and if there is any data on there you must contatct the CRA and tell them that you are under the legal age for credit products and they must remove any data ASAP.

TheEffect

I have no idea. Have you tried getting a bank account with a bank that you have no relations too already?

TheEffect

PROLIANT wrote: »

Ok matey, this is what you need to do; as you are under legal age for voting and being bound to a legal contract such as a credit agreement - just to clarify you are under 18 right? If so you need to obtain your credit files from all three agencies; Call Credit, Experian and Equifax, look at what ever you get through the post and if there is any data on there you must contatct the CRA and tell them that you are under the legal age for credit products and they must remove any data ASAP.

There will be nothing on his credit report. Credit Agencies will refuse to give him a credit report as he's under 18 and therefore there won't be one/anything on it.

It's highly illegal to report anything to Credit Reference Agencies if the customer is under 18.

PROLIANT

TheEffect wrote: »

There will be nothing on his credit report. Credit Agencies will refuse to give him a credit report as he's under 18 and therefore there won't be one/anything on it.

Well from what I read here it sounds like a spell of fraud; if anybody has used the OP's details - even changing the D.O.B, there will be "some" maybe even attributable data there to check - just in case.;)