Fluid Credit Card - Someone has fraudulently applied for it in my name

Sean473

I got a letter today saying that I had opened a Fluid Credit Card and here was the PIN for it. I have not applied for it and don't know where it's come from. 
I called Fluid's Customer Service Team and was put through to the Fraud Team who have raised an investigation to get the card closed and the search expunged from my Credit Reports. However, they were requesting my employment details and other details to put a CIFAS marker against my account. I'm not sure if I should be providing this to them or going throigh CIFAS directly. Can someone please advise?

I've already raised a report on Action Fraud - Anything else to do?

 Have checked my Equifax and Credit Karma reports since I have Clearscore and Credit Karma and reports generated literally today don't seem to have this on there. I can't access my Experian report on MSE Credit Cub, its doing some further verification that will take 2 WDs - Does anyone know which provider Fluid (NewDay Cards Ltd) uses for Credit Searches?

born_again

They want the Cifas marker, so that any applications are more carefully checked. To help to stop any fraudulent ones.

Sean473

born_again said:

They want the Cifas marker, so that any applications are more carefully checked. To help to stop any fraudulent ones.

I know that - But why would they take all my details to do that? Especially employment details..

D3xt3r5L4b

To differentiate between a genuine and fraudulent application 

cymruchris

Do you live in a house with a private letterbox or a flat with a communal area one? 

Sean473

cymruchris said:

Do you live in a house with a private letterbox or a flat with a communal area one? 

Communal... You need a fob to get in..

cymruchris

I suffered an identity theft fraud a few years ago when I lived in east London. My block had a communal letterbox - and the fraudsters had worked out how to fish the letters out from inside the boxes - and were doing it in broad daylight. They’d spend time collecting information - then start applying for things like credit cards. They’d wait until the postman delivered - and would dive straight in and empty the mailboxes before the residents had a chance to get their mail. You might find something similar is happening with you. Keep a very close eye on all of your credit reference agency files, looking for any searches, and in the meantime I would certainly ensure that a CIfas marker was placed for fraud protection - to ensure any new applications are really you. It flags up to lenders that you’ve been a victim of identity theft and to take extra measures to prove you are who you say you are. 

Sean473

cymruchris said:

I suffered an identity theft fraud a few years ago when I lived in east London. My block had a communal letterbox - and the fraudsters had worked out how to fish the letters out from inside the boxes - and were doing it in broad daylight. They’d spend time collecting information - then start applying for things like credit cards. They’d wait until the postman delivered - and would dive straight in and empty the mailboxes before the residents had a chance to get their mail. You might find something similar is happening with you. Keep a very close eye on all of your credit reference agency files, looking for any searches, and in the meantime I would certainly ensure that a CIfas marker was placed for fraud protection - to ensure any new applications are really you. It flags up to lenders that you’ve been a victim of identity theft and to take extra measures to prove you are who you say you are. 

Thanks, how did you manage to get the marker on?

cymruchris

Sean473 said:

cymruchris said:

I suffered an identity theft fraud a few years ago when I lived in east London. My block had a communal letterbox - and the fraudsters had worked out how to fish the letters out from inside the boxes - and were doing it in broad daylight. They’d spend time collecting information - then start applying for things like credit cards. They’d wait until the postman delivered - and would dive straight in and empty the mailboxes before the residents had a chance to get their mail. You might find something similar is happening with you. Keep a very close eye on all of your credit reference agency files, looking for any searches, and in the meantime I would certainly ensure that a CIfas marker was placed for fraud protection - to ensure any new applications are really you. It flags up to lenders that you’ve been a victim of identity theft and to take extra measures to prove you are who you say you are. 

Thanks, how did you manage to get the marker on?

Mine was added by American Express - as they were the first card applied for by the fraudsters (I already had one). It would be added by a financial institution following a fraudulent application you hadn't made. In this case it would be Fluid - which is why they were asking for the additional info. Where someone has applied for something in your name, it's well worth getting this marker in place as soon as possible to reduce your future risk.

Socajam

This might not help, but as you have a communal letter box, you should try and go paperless as much as possible.
I would go papers for all of my finances: credit card statements, bank statements, investment (if you can)'
all your bills  gas/electricity/council tax.
I have nothing delivered to my house, even my latest account NS&I is paperless.
I keep a close watch when my new cards are due to arrive

[Deleted User]

Socajam said:

This might not help, but as you have a communal letter box, you should try and go paperless as much as possible.
I would go papers for all of my finances: credit card statements, bank statements, investment (if you can)'
all your bills  gas/electricity/council tax.
I have nothing delivered to my house, even my latest account NS&I is paperless.
I keep a close watch when my new cards are due to arrive

I agree mostly but I always keep one paper form of ID incase useful - usually either the annual council tax demand or quarterly energy statement as these aren't regular (quarterly or annual) and don't contain personal info.