The bank opened a bank account for me when i never asked them too now i owe them £400

blaze1984

I got a phone call this morning saying I owe RBS £400 on an account I never opened, I enquired abiout a bank account over a year ago with RBS but never opened opened one or signed anything,the bank have opened one for me without my permission, any advice on what I can do??

McKneff

Don't be silly

blaze1984

I am being serious I do not bank with RBS but this morning I went into there bank and they said I opened an account on march 08 . Dont know what to do can get the charges reversed am sure but is there any thing else I should do.

gilligansyle

If this is genuine then the bank should investigate as it may be identity theft.

rosie-lee

What transaction is the £400 for?

jay3_2

For starters, write to them, stating your assertion that the account was not opened by you, expressing concern as to how this could have happened, and inviting them to provide documentary evidence within a set time period.

blaze1984

Its not identity theft the bank opened it for me and it has never been used but there was a monthly charge and as I never new about it it has amounted to £400.00, the bank is in the wrong and they know that but I wanted to know how this affects my credit rating ect.

jay3_2

blaze1984 wrote: »

I got a phone call this morning saying I owe RBS £400 on an account I never opened, I enquired abiout a bank account over a year ago with RBS but never opened opened one or signed anything,the bank have opened one for me without my permission, any advice on what I can do??

Sorry, you said in your original post that you did not open the account, so you need to challenge the bank to provide evidence to the contrary. Do this before worrying about any charges - assuming you are correct, you will owe them nothing (and your credit rating will be unaffected)

blaze1984

I have just got off the phone with the bank and they are going to reverse all the charges and they admitted they were at fault.. but now I am worried bout my credit rating? Also is this not plain illegal?

jay3_2

Illegal? No.

Very poor service? Absolutely.

Seek compensation from the bank, and challenge them to explain how it happened in the first place - they clearly need to review their administrative processes.

I doubt this will have affected your credit rating, but you can of course request a copy from one of the usual agencies (Experian etc). If you have to pay for this, invite the bank to reimburse you.

Enfieldian

Also is this not plain illegal?

Absolutely. You need to report this immediately.

However, as the criminal party is RBS you need to contact a police force in Scotland.

They will then send a specialist squad to arrest everyone in the branch that you dealt with.

I would not be surprised if they get life.