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Anonymous
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Accepted Solution

How has a fraudster taken out a contract in my name without my bank details?

Hi everyone Smiley Happy

 

Over the last week, I've been targeted by a fraudster several times. They have taken out mobile insurance & a  24-month contract out in my name. I was informed of this by the 'welcome' letters 02 have sent to my address. I checked with 02, & they have not used my bank details, so how have they managed to do this? Surely, they would need to use my bank details otherwise what is the point? I don't understand.

 

 

Posts: 117,655
Topics: 576
Solutions: 16,538
Registered: ‎04-04-2012

Re: How has a fraudster taken out a contract in my name without my bank details?

I'm not clever enough to fully understand how these frauds work but for sure it should be passed to the fraud dept at O2 to investigate it thoroughly.
Obviously, you need to be changing all your passwords etc and running virus scans on your computer equipment in case you have some software that has been installed and passing your details on elsewhere.
I have no affiliation whatsoever with O2 or any subsidiary companies. Comments posted are entirely of my own opinion. This is not Customer Service so we are unable to help with account specific issues.

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OnePlus 6 (O2 & Sfr), Z3 Tablet (Three UK), iPhone 8+ (EE)
Anonymous
Posts: 0

Re: How has a fraudster taken out a contract in my name without my bank details?

How could a credit check be performed without O2 having your bank details. I dont see how a new account could be set up......unless, do you already have an O2 account? If so, the fraudsters have additional an additional connection your account.

 

As @MI5 says, inform the fraud team ASAP.

Anonymous
Posts: 0

Re: How has a fraudster taken out a contract in my name without my bank details?

This is only a question I have related to this. Can they just pick a random persons name & basic details then sign up using their own credit or debit card?

Posts: 101,838
Topics: 770
Registered: ‎14-01-2013

Re: How has a fraudster taken out a contract in my name without my bank details?

Good grief. This is all a bit worrying!! Shocked

*The Game Is On*

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Level 43: Bright Spark
Posts: 2,624
Registered: ‎04-04-2012

Re: How has a fraudster taken out a contract in my name without my bank details?

In certain retailers yes, as long as they have something in the persons name and with their address, and say they will pay by debit card each month, the proof of id is via a chip and pin transaction for a £1.00, you can also give a different name to what the account is in, as their is no verification of bank account details until it is submitted to the bank for payment.  

Example:

 

You give the name as Mr T Fonica

Account 0101010101

SortCode **Personal info**

 

As long as the sortcode and Acc Number are validated then no issue until presentation... 

 

 

 

 

 

Current Phone: Motorola Razr 5g
I also have a Planet Computers Gemini

I work in IT as an Enterprise Messaging and Collaboration Tools Administrator (Office 365, Slack and much much more) and manage hardware both Mobile and Desktop / laptop, my desk is a bit like PC World

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We are all customers and dont have access to any o2 accounts
Level 3: Thinker
Posts: 83
Registered: ‎26-04-2013

Re: How has a fraudster taken out a contract in my name without my bank details?

A while ago, I was targeted by fraudster pretending to have sent me emails from O2 and Vodafone. In fact, it was just a scam. I have quickly reported the matter to O2 and Vodafone without clicking on any links on the email itself.

 

I would suggest that when you sign up for a mobile contract or any contracts, never agree to receive any marketing information. You should also change your password to a more robust password as kindly suggested by one of the contributors here. 

 

Good luck!

Community Manager
Posts: 7,650
Registered: ‎18-02-2016

Re: How has a fraudster taken out a contract in my name without my bank details?

Welcome to the community @Anonymous Sorry you had to join under such circumstances Smiley Sad Have you had a chance to speak to the fraud team yet? 

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