Advice Required

spoon84

Hello All.

I'm new to MSE and I am after some advice.

Three years ago, I went on a trip to the Lake District with my friend, and had an absolutely brilliant time. I had taken six months off work to travel around the UK and explore the sights etc. On the way down to the Lakes, we stopped at a large service station where we went to get some food.

Inside, we were approached by two MBNA/Virgin Credit Card sales women who obviously proceeded to 'heckle' us and persuade us to sign up for a card. We both declined, and proceeded to Burger King. On the way back we were approached again, and this time I caved in and said that I would fill out an application. (Probably because they were both quite good looking)

Anyway, this saleswoman asked me various questions and completed this application form herself. Obvious ones were asked like name, age, date or birth and so forth. When it came to the employment details, I told her that I was currently unemployed. She said something along the lines "That's fine we can still do the application".

Anyway, she asks me some more details, and then proceeds to ask me something along the lines "Why are you currently unemployed, if you dont mind me asking?", followed by "Are you applying for any jobs at the minute?". I thought she was just making small talk, so I told her that I intended to put an application in to a local public sector employer when I got back home, but for a volunteer position which obviously didn't attract a salary etc.

Anyway, she asked me to check the form, which I did, and everything looked fine, my employment details were left blank. (Some of you may see where this is going) Right, a couple of weeks later, I received my card through the post, thought nothing of it and put it in my wallet. It stayed there for a couple of months before I actually started using it.

Fast forward three years and my account with MBNA/Virgin is now closed and I no longer have the account with them. I had a small debt left on the card which was sold to a DCA(Debt Collection Agency) whom I am paying off as we speak. (Thats another story)

In my time with MBNA I had incurred some bank charges so I sent a DPA/SAR (Data Protection Act / Subject Access Request) to them asking for all the information held on me. So recently I received this information through the post and I started to go through it all.

Low and behold I come to a copy of the original application form and in the employment section, the information I mentioned about the volunteer position has been put in. Accept the title of the position is blatently a volunteer position, but she has put in a whopping salary. Plus spelt the employer name slightly wrong and the telephone number is definately not for them (I googled it).

Upon seeing this I got angry, but then I got scared, because obviously if something had come of this initially, even though I have done nothing wrong, the finger of blame would have been pointing at me. In fact it still could!

So the past few days it has been worrying me quite a bit as I am not sure what I should do about it, if anything.

The general consensus from my friends is that I have done nothing wrong and if anything ever came of it, it was her handwriting on the form, and there would be no proof either way of what happened. But that hasn't stopped me worrying somewhat.

So, what should I do about it? Forget it? Write to them, explain what happened, ask them to make a note on my file ... or will this do more harm than good?

I obviously don't want to start anything that might backfire on me, even if I haven't done anything wrong.

Just wondered if there was anything legally I could do, or am I blatently worrying too much.

It's ruining my life with worry at the moment

hypno06

I don't know the answer but I suspect this goes on far more than people realise, so you're bound not to be the only one, if that makes you feel any better (probably not!).

However there is nothing worth worrying about this much. If it is worrying you that much, then take the paperwork to a lawyer that gives free half hour advice (your CAB will be able to give you a list that do these) and see what they say. They should be able to put your mind at rest.

Other than that, not sure what to suggest. Do come back and let us know how you get on. Good luck x

lightatendoftunnel?

I too would suggest going along to CAB. I would also have a look/post on the consumer action group site. You may find people in the MBNA section who have had this done to them also. It may be worth a look.

Hiope you get sorted.