Fraudulent activity

ChrisP82

In August there were a couple of things that appeared on my credit check that were not me. I then received a bank statement to my address from Natwest with my initials but a different first name (starting with the same letter) but i do not bank with Natwest and never have.
I took it into Natwest and told them this person doesn't live here, never has and is unknown to me. They couldn't give me any details about the account as i wasnt the account holder and said they were referring to the fraud team
I then received a letter in my name from O2 welcoming me on my new contract. Yet again i am not with O2 and never have been.
I rang told them I didnt take it out and they said they were blocking it and referring to fraud team
I received a letter from o2 yesterday saying there was outstanding amount of 227 that has to be paid. I rang them and got told when they investigated they were told that it must be a relatives bank details so isnt fraud. They can only cancel account as fraud if I get letter from the bank. Natwest have said its not identity theft they are only using our address.
I feel like i am going round in circles and this outstanding money will affect my credit rating

PDC

Here is the advice from http://www.actionfraud.police.uk/

Most local police forces also have a page on their website recommending a course of action

What should you do if you’ve been a victim of identity fraud?

•Act quickly – you mustn’t ignore the problem. Even though you didn’t order those goods or open that bank account, the bad debts will end up under your name and address.

•If you believe you’re a victim of identity fraud involving plastic cards (e.g. credit and debit cards), online banking or cheques, you must report it to your bank as soon as possible. Your bank will then be responsible for investigating the issue and they will report any case of criminal activity to the police. The police will then record your case and decide whether to carry out follow-up investigations.

•If you think you’re a victim of another kind of identity fraud, you must report the matter to the relevant organisation. Depending on their advice, you should then alert your local police force.

•You should report all lost or stolen documents – such as passports, driving licences, plastic cards, cheque books – to the relevant organisation.

•If you’re not sure which organisation to call, contact Action Fraud for advice.

•Contact the Royal Mail Customer Enquiry line on 08457 740 740 if you suspect your mail is being stolen or that a mail redirection has been fraudulently set up on your address. The Royal Mail has an investigation unit that will be able to help you.

•Get a copy of your credit report. A credit report will show you any searches done by a lender, what date the search took place, what name and address it was done against and also for what type of application. It will also show what credit accounts are set up in your name. You can contact any one of the three credit reference agencies and receive support in resolving credit report problems caused by identity fraud. • Callcredit • Equifax • Experian.

•Look at your credit report closely. If you find entries from organisations you don’t normally deal with, contact them immediately. Remember to keep a record of all your actions, including the people you’ve spoken to and when, and keep copies of all letters you send and receive.

•The credit reference agencies will contact lenders on your behalf where fraudulent applications have been made or fraudulent credit accounts opened in order to restore your credit history to its former state.

yalisrib

Because money has been spent you should be able to report it to the police - use their website to report it as fraud. Send a copy of the crime reference number to the bank - that is usually enough to get them worried enough to return the money

tinkerbell28

It is ID theft as it has been linked to you under an alias. This is a common tactic they use. Not exact details but near enough to link it to you.

Get a crime ref number and call the companies with that. If no ball. Write a formal complaint and take it further. The crime reference should so the trick.