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Okay, for the first time ever, my credit card was used fraudulently a couple of weeks ago to purchase something online. I'm contesting the charge and I'm fairly confident that it won't be a problem, and the card has been cancelled. Now, someone has apparently opened a bank account using a completely different name but using my address. Basically, a letter came addressed to my house but to another name and given the recent problems, I opened it. It turned out to be notification to a Mr X Wang that his new HSBC card was ready for collection. I have alerted the bank who are investigating.
My question is, should I contact the police? Obviously my bank are dealing with the credit card fraud and I imagine will pursue it pretty seriously because I'm not paying the bill, and I have no accounts with HSBC who are no doubt taking the matter equally seriously. I am moving out of this property in a few weeks to go travelling for a year but we have been living here for more than four years and I am aware that problems with a previous address can be an issue affecting future applications for credit etc.
What impact, if any, would contacting the police have? Should I just leave it up to the banks to deal with it? It seems like too much of a coincidence that two acts of fraud, one successful, the other so far less-so, have used my address a couple of weeks apart and I'd like to nip it in the bud if at all possible. Any other lithers had similar experiences or care to offer advice? |
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