Help needed for suspected ID theft!

mah

Need to ask your advise, apologies if it’s in the wrong forum..

I received an email confirming a direct debit had been set up for me today. At first I thought Is was a scam but alarm bells rang for some reason and I checked it out.

Email had all my info, name, address, email etc. But the sort code and account number weren’t mine. It’s was a sort code for a different bank.

Direct was for £5.99 a month for yourmoneyinsights.com and processed by eazycollect.co.uk.

First I rang my bank to see what they advised. We checked transactions and all ok. They suggested I call lloyds and gave a number. Lloyds wouldn’t confirm or deny existence of the account, but agreed to put a note on it as potential fraud! Lloyd’s advised that I could be liable for losses on an account obtained fraudulent !!

I then got the number for easycollect from the Internet. They said they had been extremely busy with yourmoneyinsights today, confirmed they where a legitimate business and got me a phone number.

Last call to yourmoneyinsights.. I’m now very concerned! Wanted to log my complaint and respond within 28 days, in the meantime they would charge the account and if any error I would be liable. Had them put me through to a manager and he suggested a fast track complaint, 7-10 days whilst they found out which affiliate had supplied my details and investigated. Apparently yourmoneyinsights is a loan comparison company.

I’m worried that someone has opened a bank account with my identity and is using it to obtain loans etc but I’ve hit a brick wall trying to report it.

What should I do now?

[Deleted User]

Report it to action fraud

Dobbibill

A quick google seems to indicate the £5.99 is for an E-magazine which follows a months free trial with Your money insights.

Eazycollect seem to be the processors of the DD mandate.

Terry_Towelling

All sounds a bit odd.

Did the email really have all that personal information in it? - full account numbers etc

I might be wrong but I believe DDR originators have to write to you to confirm a DDR - not just email (someone shout if that is wrong). Watch out for any letters.

Lloyds reaction was interesting - they won't say anything about the account but are prepared to say you will be liable for it! If it is in your name with your details, they should be allowing you access to it.

Presumably your credit history will show if any loan applications have been made in your name.

mah

I have just registered to action fraud.

The email contains my name, address, email, a sort number for a Lloyd’s bank branch I’m not connected to and the last four digits of an account number that is held with that bank.

The email is from eazycollections.co.uk on belhalf of yourmoneyinsights.com

The DD confirmation is legit.

The DD is for an online publication. I have not spoken to any one regarding a publication, loan or CC in over 5 years. I have never given bank details or permission to anyone for a dd of this nature. yourmoneyinsights told me they are a loan finding service and suggested I had taken a payday loan.

Lloyd’s said I may be liable if ID fraud was found to be my fault. They couldn’t talk to me as I didn’t have the telephone banking security

Dobbibill

Seems like you spoke to Lloyds in general terms if you couldn't pass telephone banking security as they wouldn't have been looking at your account.

Do you have internet banking? Are you able to log in and see if a DD has been set up?

Terry_Towelling

Right so you wouldn't be liable for losses on the Lloyds account (if it exists in your name) unless you were complicit in the fraudulent account set-up - that's something, at least.

Lloyds wouldn't confirm or deny the existence of the account but have put a note on it as potential fraud - that sounds to me like they have confirmed its existence.

Now, because you could only give Lloyds the last four digits of the account number, they will have had to trace it in their records by using your name and address. I am presuming therefore that the Lloyds account has been set up with your name and address.

So, have you not received a welcome pack, debit card, PIN etc. from Lloyds? They should be sending this out to the registered account holder. In addition, if you can prove your identity to them (not necessarily through telephone banking security) they should be taking you more seriously than they appear to be.

What about your credit history? Have you checked that as suggested?

Ben8282

Why would a fraudster who had gone to all the trouble of opening a bank account in your name be stupid enough to use your real e-mail address?
If the fraudster has in fact opened this account with Lloyds in your name, how did the fraudster manage to get cards, PIN etc for the account?

Matiman1

I was going to wait until the matter had been resolved but I feel the community should be aware of this. A couple of months ago I received an email from Next congratulating me that my application for credit had been approved. I telephoned Next and informed them that I had made no application. They informed me that they would cancel my account. I then had exactly the same thing with Very. I phoned them and as with Next were not allowed to give me the information they had on me!!!! I informed my bank. Very recommended that I get a credit report from a company like Experian. I joined and within days someone had hacked into my account and changed my address. I had an email from them and immediately telephoned them. Even when I was speaking to an adviser we couldn't get back into the account. I am totally unsure of what to do now and am still waiting for the fraud team at Experian to contact me

badger09

Dobbibill wrote: »

Seems like you spoke to Lloyds in general terms if you couldn't pass telephone banking security as they wouldn't have been looking at your account.

Do you have internet banking? Are you able to log in and see if a DD has been set up?

OP hasn't actually said he/she has an account with Lloyds.

Presumably not, otherwise they would have been able to pass telephone security and access OLB:cool:

badger09

Matiman1 wrote: »

I was going to wait until the matter had been resolved but I feel the community should be aware of this. A couple of months ago I received an email from Next congratulating me that my application for credit had been approved. I telephoned Next and informed them that I had made no application. They informed me that they would cancel my account. I then had exactly the same thing with Very. I phoned them and as with Next were not allowed to give me the information they had on me!!!! I informed my bank. Very recommended that I get a credit report from a company like Experian. I joined and within days someone had hacked into my account and changed my address. I had an email from them and immediately telephoned them. Even when I was speaking to an adviser we couldn't get back into the account. I am totally unsure of what to do now and am still waiting for the fraud team at Experian to contact me

Suggest you start your own thread, rather than tag onto this one.