We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Identity theft
Comments
-
Is it just you and partner living in the new place ? No relatives lodgers anything like that ? Anyone else, however unlikely, that could get access to your premises? Nanny?
Have you made an official complaint to TSB about their ineptness ?0 -
AnotherJoe wrote: »Is it just you and partner living in the new place ? No relatives lodgers anything like that ? Anyone else, however unlikely, that could get access to your premises? Nanny?
Have you made an official complaint to TSB about their ineptness ?
Just us, no one else has access. My husband is waiting for the account to be closed, it’s only frozen while they investigate and then making an official complaint. Doing some research I found an article from back in 2018 that said company directors are being targeted in this way via info on companies house, I’m now wondering if this is what’s happened, it doesn’t explain the DOB though.0 -
Well actually on my Experian report it DOES state time at address in respect of each individual search.
Of course I check directly with Experian and don't use Credit Karma but as Credit Karma provide Trans Union data they would have no more idea of what is shown on your Experian report than I do..
Erm yeah that’s what I said if you read it properly, credit search states time at address yes, name searched yes, name on ER no, all of which I stated above.0 -
You can get DOB from Companies House. Also home address if it's used for company registration or director correspondence. That's why it's best to pay for virtual office where you register your company and director.stacey4857 wrote: »Just us, no one else has access. My husband is waiting for the account to be closed, it’s only frozen while they investigate and then making an official complaint. Doing some research I found an article from back in 2018 that said company directors are being targeted in this way via info on companies house, I’m now wondering if this is what’s happened, it doesn’t explain the DOB though.
Whole GDPR is smoke screen, since you can get a lot of personal information from Companies House for free.0 -
Penelopa.Pitstop wrote: »You can get DOB from Companies House. Also home address if it's used for company registration or director correspondence. That's why it's best to pay for virtual office where you register your company and director.
Whole GDPR is smoke screen, since you can get a lot of personal information from Companies House for free.
Yes the home address is used but now after realising this is obviously how it’s been done, he is arranging a virtual office, it’s probably a bit late though. I didn’t realise the DOB was available for all to see on companies house, this explains a lot.0 -
This is not obviously how it was done and explains very little. It is one possible explanation from many possible explanations and does not even begin to explain the MOTIVE for opening a bank account in his name.stacey4857 wrote: »Yes the home address is used but now after realising this is obviously how it’s been done, he is arranging a virtual office, it’s probably a bit late though. I didn’t realise the DOB was available for all to see on companies house, this explains a lot.0 -
Now, I don't know that much about the way banks and CRAs communicate but if TSB undertook a search using an incorrect surname, wouldn't that imply the CRAs have messed up by applying the search to the wrong individual's file?
The Experian security word is surely something TSB should/would not have overlooked, so is there the possibility that the applicant knew the word and passed that stage of security?
Other things that would be interesting to investigate are the landline, mobile and email address information supplied with the application.
And, like it or like it not, Ben8282 has a point that it is very odd that a potential fraudster would apply for a bank account using genuine data when they have no possibility of getting hold of things such as a card/PIN - unless they are able to intercept your post, or somehow alter the registered address between application and receipt of things.
If your husband is a company director, does he have any disgruntled former employees who might want to cause trouble? Getting landline/mobile details might help to identify such a person - unless those details are also your husband's.0 -
stacey4857 wrote: »I didn’t realise the DOB was available for all to see on companies house, this explains a lot.
Only the the year and month of birth is shown.0 -
Wouldn’t TSB also ask for additional forms of ID e.g passport, driving licence, utility bill or such like before the account would be set up?
I don't remember providing any ID when I signed up for TSB. In my experience it's very rare that you are asked for any ID if you already have a bank account that has been open for a while.Terry_Towelling wrote: »And, like it or like it not, Ben8282 has a point that it is very odd that a potential fraudster would apply for a bank account using genuine data when they have no possibility of getting hold of things such as a card/PIN - unless they are able to intercept your post, or somehow alter the registered address between application and receipt of things.
It could be someone working for the company that produces cards, the post office, or someone who is going to doorstep the postman. It depends on how much effort they want to put in, they don't have to have a perfect hit rate either.0 -
A few years ago it was full date of birth which was also copied to number of sites getting data from Companies House. Also, if there's some old document submitted and available to download, there might be full date of birth. Paper forms had full DOB and if company is old enough to have such scanned forms in its history, it will be available online.Only the the year and month of birth is shown.
My neighbour submitted paper form to become director and his full DOB is available on this form. It was 2-3 years ago, so not that long ago. I filled the same document in electronic version and my full data is not available in filling history.
OP: go to Companies House and check history of all fillings that were submitted for husband's company. You will see if it's possible to get his DOB from there. Also, all these form will help fraudster to establish old addresses if company was previously registered at home.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.6K Banking & Borrowing
- 253K Reduce Debt & Boost Income
- 453.4K Spending & Discounts
- 243.6K Work, Benefits & Business
- 598.3K Mortgages, Homes & Bills
- 176.7K Life & Family
- 256.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards