I am in an IVA and today recieved a letter with this address on it but the wrong name saying that an application for a mastercard had been declined. I did not apply for a card and this is addressed to my grandchilds name by as a Mr and she is Miss.
I think I know who has done this and am worried now that if they have done this they may have applied for other credit using my address. I called the company involved and obviously due to data protection they could not tell me anything but did say this would possible have been an online applicarion. I am worried now in case he has applied for anything and it has been approved.
Should I apply for copy of credit file? biggest problem is he could have used anyones name so other applications at this address would not show up. I know I can get an alert on my file but 4 of us so going to cost almost £50 I do not have and he like I said before he could use anyname. I am concerned also if this person applys for credit to our address and keeps getting declined ( which he sould ) it will show on our credit file. Will IP check our credit file during IVA to see if any searches? will a search not in husbands or my name show if a credit check is done.
I do not have any acual proof of who this person is, but believe me myself and my family are 100% sure of who it is as this person has done fraubulant things before and has stolen money from my home before and was taken to court and fined for it.