If you think someone has applied for credit in your name, for example because you've had letters about loans or credit cards you didn't apply for, you should also contact the main credit reference agencies. The bank will investigate, take action to protect your accounts and refer the crime to the police. Keep a record of all conversations you have with the bank and copies of letters to do with the fraud. You should contact your bank straight away and let them know. If you start getting bank letters, bills or letters from debt collectors that you know nothing about, this might have happened to you. If someone used your name to open new accounts, get credit or buy services If you've received a scam email, text or phone call you can report a scam. Your call is likely to be free of charge if you have a phone deal that includes free calls to landlines - find out more about calling 030 numbers. They'll log it and give you a crime reference number. You should also report the crime to the police through Action Fraud. For example, they might cancel your cards or cheque book and send you a replacement. When you contact your bank, they'll take action straight away to protect your account so no more money can be taken. If money has been taken from your account If you haven't had money taken from your account, your bank or building society will still take action to protect your account, for example by cancelling your card or changing your security details. card has reached its limit or account has gone into overdraft - and you weren't expecting itĬheck your bank statement or the bank's website for the phone number to call for reporting security issues - or go to their branch in person.statement shows payments you don't recognise.card or security details have been lost or stolen.Contact your bank or building society straight away if you're worried someone might have access to your account.
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