At what point/where/how were my details obtained?!

longwalks1

Long story but basically i applied for 2 credit cards online, approved straight away for both (on a Monday morning), then Monday afternoon a redirection of my mail was set-up with RoyalMail with my 'everyday' credit card (i use it for everything, and clear it off in full every month), it was not set up by me. Both cards were intercepted between being sent out and getting to me, and £12k was spent on one of them (has been refunded and card blocked).

Initially thought maybe someone who worked for the CC companys may have seen my approval (with a large credit limit) and had it redirected, but how would they of known my everyday cc details?

And it couldnt of been someone double swiping my card in a shop/petrol station as they'd have no idea id applied for the new credit cards.... How else could so many of my details been obtained?

questionabout

Yeah too much of a co-incidence for that to happen on the same day.

Answering some of the following questions should clear it up:

• How did you apply for the cards? (eg phone/internet)
• If you applied online was it in a public share computer?
• If you applied by phone, did you have to provide your original Credit Card number for a balance transfer?
• Have you checked who and how the Royal Mail redirect was setup - normally ID is required?
• Did you tell anyone family/friends/colleagues about your applications?

To be honest, your lucky they refunded you so quickly. I wouldn't be surprised if you may need to get involved with the police too. What a nightmare - Good Luck :money:

questionabout

....oh and where was the re-directed address to?:(

custardy

CC envelopes are usually marked DO NOT REDIRECT for this very reason
the CC company want the cards going to the address they are credit checking on

izools

custardy wrote: »

CC envelopes are usually marked DO NOT REDIRECT for this very reason
the CC company want the cards going to the address they are credit checking on

Unfortunately in my experience, all mail marked "Do not redirect" has been redirected to my new address anyway. Including a credit card I applied for several years ago just before I'd moved. So doesn't make any difference!

I was thinking something along the lines of one of the OP's neighbors setting up the redirect? As they'd have visibility if they were peeking out the window of his PC and card if left on the desk.

And ID used could be similar enough address for the person at the post office counter to accept.

Jammi

questionabout wrote: »

• Have you checked who and how the Royal Mail redirect was setup - normally ID is required?

And confirmation of the re-direction is also sent to the original address.

Sounds like some kind of Insider job. Even so, 12k is on the high side for a total credit card spend and strange that the bank would it to go through without further checks.

longwalks1

questionabout wrote: »

Yeah too much of a co-incidence for that to happen on the same day.

Answering some of the following questions should clear it up:

• How did you apply for the cards? (eg phone/internet)
• If you applied online was it in a public share computer?
• If you applied by phone, did you have to provide your original Credit Card number for a balance transfer?
• Have you checked who and how the Royal Mail redirect was setup - normally ID is required?
• Did you tell anyone family/friends/colleagues about your applications?

To be honest, your lucky they refunded you so quickly. I wouldn't be surprised if you may need to get involved with the police too. What a nightmare - Good Luck :money:

Cheers people, right here some answers:
applied for both on-line, one after another, from a works computer (shared)
didnt apply by phone and didnt give original cc number for BT or any other reason
Royal mail were, and still are being as useful as a blind darts player with no thumbs, they THINK it was set up online and paid for with my original cc
didnt tell anyone of my applications, not even the gf, my finances are always private (well, up until now :mad:)

Spoke to police and got a crime ref number, what they'll do about it is anybodies guess

longwalks1

questionabout wrote: »

....oh and where was the re-directed address to?:(

Royal mail wouldnt tell me (even though i supposedly set the redirection up), Data Protection Act, police say they wouldnt tel lme the address even if they got it for obvious reasons

Luckily a small worthless package from Ebay the scumbags obviously didnt want to accept (water filter cartridge) was returned to my proper address, still with the redirection address on it...... :beer:

longwalks1

Jammi wrote: »

And confirmation of the re-direction is also sent to the original address.

Sounds like some kind of Insider job. Even so, 12k is on the high side for a total credit card spend and strange that the bank would it to go through without further checks.

got the original letter from Royal Mail confirming redirection, it arrived a week after the redirect was due to start. Thats another story too, i noticed the payment to Royal Mail on my normal cc statement, phoned that day (15th July), RM said it wasnt due to start til 16th and promised me they'd cancel it BEFORE it went live. Got my first letter through yesterday (29th), so my mail was still redirected for over 2 weeks, I phoned RM to complain and ask where the breakdown in communications was, and was passed from pillar to post, back and forth to Cust Services, to Fraud, to Cust services, to Fraud.. you get the picture ... :mad:

longwalks1

Jammi wrote: »

And confirmation of the re-direction is also sent to the original address.

Sounds like some kind of Insider job. Even so, 12k is on the high side for a total credit card spend and strange that the bank would it to go through without further checks.

about the 'insider job' i thoguht the same, maybe Virgin, but how they get my original cc details? I even thoguht insider at Experian or Equifax, they have access to everything i think?

Thanks again everyone

jonnyb

which lender is your everyday card with ? I'm guessing not either of the 2 new ones that you applied to ?

the credit ref agencies would not know about the applications you made; the searches get recorded on your file, along with the searches made by millions of other people - nobody is able to monitor your file like that.

if you are still having problems, google for experian victim of fraud (uk, not us) and there are things to help you out.