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Unsolicited Amex card

slig
slig Posts: 400 Forumite
Part of the Furniture Combo Breaker Debt-free and Proud!
in Credit cards
Hi all,


Amex sent me a credit card in the post which I have not applied for, is this just some kind of marketing move? They seperately sent me a pin. I don't want the card, so can I just ignore it, or do you think I need to do something more?


They must have got my details from the electoral role; initially my surname was spelt wrong on the electoral role, and they've spelt my name the same on the card.
Debt at LBM (17/10/08) £5727.61 Debt free date 31/08/09
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Comments

  • Rich7111
    Rich7111 Posts: 54 Forumite
    I would contact them ASAP, no one is going to send you a credit card as a marketing ploy.

    You would by law need to be credit checked and sign and agree a credit agreement. I would be careful of other unkown types of mail
  • slig
    slig Posts: 400 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Thanks Rich - I thought it was weird but I think I just needed someone else to confirm that this wasn't a commonplace thing!


    I've called them now, and the fraud department are going to get back to me.
    Debt at LBM (17/10/08) £5727.61 Debt free date 31/08/09
  • grumbler
    grumbler Posts: 58,629 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Credit files are worth checking too for other suspicious applications.
  • slig
    slig Posts: 400 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Yes, I definitely will.
    Debt at LBM (17/10/08) £5727.61 Debt free date 31/08/09
  • planteria
    planteria Posts: 5,322 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    seems strange. if someone has tried to obtain a card, fraudulently, in your name...then they haven't done a very good job.

    please let us know what you find out.
  • System
    System Posts: 178,413 Community Admin
    10,000 Posts Photogenic Name Dropper
    A fraudster did the same (with a Platinum Barclaycard) some years ago and obviously planned to intercept the mail.

    Barclays fraud dept were utter tosh. Hope Amex are more on the ball.
    planteria wrote: »
    seems strange. if someone has tried to obtain a card, fraudulently, in your name...then they haven't done a very good job.

    please let us know what you find out.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • slig
    slig Posts: 400 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Just to update on this, Amex were rubbish, as were the post office when I reported mail fraud. Never heard back from either of them :( It's now happened for a second time with Santander.
    Debt at LBM (17/10/08) £5727.61 Debt free date 31/08/09
  • thebritishbloke
    thebritishbloke Posts: 1,472 Forumite
    slig wrote: »
    Just to update on this, Amex were rubbish, as were the post office when I reported mail fraud. Never heard back from either of them :( It's now happened for a second time with Santander.
    I'd get a CIFAS Protective Registration immediately. This will mean that any lender who receives an application in your name will follow up to confirm who is actually applying.

    When you say AmEx were rubbish, what's actually happened?
    Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.

    ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.
  • slig
    slig Posts: 400 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    thebritishbloke wrote: »
    I'd get a CIFAS Protective Registration immediately. This will mean that any lender who receives an application in your name will follow up to confirm who is actually applying.

    When you say AmEx were rubbish, what's actually happened?



    Thanks. Amex never followed up with me even though they said they would investigate and send a letter, but never did, so I never found out anything.
    Debt at LBM (17/10/08) £5727.61 Debt free date 31/08/09
  • Candyapple
    Candyapple Posts: 3,385 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Did you end up checking your credit files - what did they say? Did any other searches/credit products turn up on there?

    Did you register with CIFAS?
    I'm a Board Guide on the Credit Cards, Loans, Credit Files & Ratings boards. I'm a volunteer to help the boards run smoothly, and I can move and merge threads there. Any views are mine and not the official line of moneysavingexpert.com
This discussion has been closed.
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