When bogus applications are made

SnowTiger

richard_3095 wrote: »

I meant ,why would anyone make an application if they could not follow through with card details, when asked to do so.. Rich

Grattan and Studio offer credit accounts.

Open an account with either of them, buy stuff, get a statement a few weeks later and pay it. Or not, I suspect, if the account is fraudulently opened.

One issue the 'fraudster' might have is getting their hands on the loot.

Grattan will only deliver a first order to the address of the account holder:

For security purposes, all new Personal Account customers must have their first order delivered to their home address.

Studio don't have that automatic restriction. However, companies that run these types of accounts are aware of the types of fraud that go on.

Given the type of fraud, I wonder if the perpetrator has found your details somewhere or, perhaps, has an axe to grind.

I doubt they have your credit card details. There are lots of things they could have done with those by now.

dealer_wins

Put a "protective registration" on CIFAS.

£20 for 2 years, it will make lenders do thorough checks on any credit applications.

https://www.cifas.org.uk/services/identity-protection/protective-registration

Its almost worth doing this even if youve never been touched by fraud TBH.