someone has applied for an account at my address

michilin27

Hey all
Someone has applied for an account at my address, but not in my name- should i take any action? i know if its applied for in my name its potentially someone trying to steal my personal details, but is it the same if they are using my address details?

Thanks in advance

nzseries1

Can I ask how you know this?

If it's someone elses name at your address I wouldn't be so worried, as credit reports are based on a person, not an address.
It could be fraud, but if it's not in your name I personally wouldn't worry. Perhaps the member of the bank staff who did that person's application keyed in the postcode wrong.

michilin27

nzseries1 wrote: »

Can I ask how you know this?

I opened the letter that came- the person has the same initals as me and i was chatting to our porter at the time so wasnt really concenrating.And also, the compant they applied with, i had an account with previously so thought it was junk! i know i shouldnt really be opening someone elses post, although here is what it says on the royal mail website

A person commits an offence if they without reasonable excuse intentionally delay or open a postal packet in the course of transmission by post or intentionally opens a mail bag.

A person commits an offence if, intending to act to a person's detriment and without reasonable excuse, opens a postal packet which they know or suspect to have been delivered incorrectly.

If it's someone elses name at your address I wouldn't be so worried, as credit reports are based on a person, not an address.

i have never heard of the person, they dont live in my flat, however, there is alot of fraud happening in our complex and my boyfriend had his credit card stolen and used fraudlently. Someone else had an application done fraudlently in his name last week,

It could be fraud, but if it's not in your name I personally wouldn't worry. Perhaps the member of the bank staff who did that person's application keyed in the postcode wrong.

hopefully its only a one off, but im concerned due to what is going on in our flats at the min

thanks

nzseries1

michilin27 wrote: »

hopefully its only a one off, but im concerned due to what is going on in our flats at the min

thanks

Don't worry it's fair enough to be a bit concerned especially with what you say is going on. I feel like Experian or whoever wouldn't be interested in even investigating if it's not actually in your name.

Unfortunately that's all I know on the subject, let's see if anyone else on the forum knows any better.

James

If you're worried about someone using your details to apply for cards, loans etc.

Try this (click here).

custardy

probably one of your neighbouring flats got the flat number wrong

BlueAngelCV

I would send the letter back to the bank with a note saying that the person doesn't live at your address. It's probably nothing but you want to make sure.