MBNA card - received text

sparky7

never-in-doubt wrote: »

The OP does not have an MBNA card therefore she should never ring. Why would you check it out Sparky? For what reason, if you don't have a product you erase the text - simple!

I already said what it was, someone gave wrong number or they have changed numbers and the number that the OP has is a re-generated one from an old MBNA customer.

Do not ring MBNA. No account, why bother?

In case someone has fraudulently applied for one using her details... isn't that obvious?

never-in-doubt

sparky7 wrote: »

In case someone has fraudulently applied for one using her details... isn't that obvious?

No cos if that happened then the OP would have received some formal correspondence - with N Hunter and CIFAS I can almost guarantee that there is no fraud - if so the OP would be fully aware by now!

Do you understand how N Hunter works? Let me enlighten you; the moment another person applied for a product (say to MBNA) using different details but the OP's mobile number - this would raise an alert flag because the number could be in use elsewhere and so the automated decision would go for referral back to the lender to investigate (MBNA). At this stage MBNA would either ring or write to the applicant.

The fact that it was a generic text suggests one of two things;

1. The applicant got a digit wrong on their application
2. It is an old account and the applicant at the time no longer uses the phone number

You are aware that most phone numbers are re-issued as soon as 6mths after last termination?

I'm simply pointing out that if I got a letter/text/call from a firm that I have no dealings with then i'd delete it. The fact a random text arrived is not cause for concern and should be disregarded as an error - pure and simple.

Ringing would make MBNA ask for the OP's details, the OP would say their name and address (immediately giving away their personal details) and then MBNA would say sorry we have no record of you. Then what? What possibly would happen next - you tell me?

Nothing. :beer:

sparky7

never-in-doubt wrote: »

No cos if that happened then the OP would have received some formal correspondence - with N Hunter and CIFAS I can almost guarantee that there is no fraud - if so the OP would be fully aware by now!

Do you understand how N Hunter works? Let me enlighten you; the moment another person applied for a product (say to MBNA) using different details but the OP's mobile number - this would raise an alert flag because the number could be in use elsewhere and so the automated decision would go for referral back to the lender to investigate (MBNA). At this stage MBNA would either ring or write to the applicant.

The fact that it was a generic text suggests one of two things;

1. The applicant got a digit wrong on their application
2. It is an old account and the applicant at the time no longer uses the phone number

You are aware that most phone numbers are re-issued as soon as 6mths after last termination?

I'm simply pointing out that if I got a letter/text/call from a firm that I have no dealings with then i'd delete it. The fact a random text arrived is not cause for concern and should be disregarded as an error - pure and simple.

Ringing would make MBNA ask for the OP's details, the OP would say their name and address (immediately giving away their personal details) and then MBNA would say sorry we have no record of you. Then what? What possibly would happen next - you tell me?

Nothing. :beer:

Then they can happily sleep at night knowing no-one has applied for an MBNA card using their details

never-in-doubt

sparky7 wrote: »

Then they can happily sleep at night knowing no-one has applied for an MBNA card using their details

But they wouldn't know mate cos they'd fail security (there is no way the OP would know the password etc that the fraudster used) therefore MBNA would refuse to speak to them..... see where i'm coming from with this lol