What are my rights? Loan scam

Kimilsung

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So I've just got a letter though the door about my repayments and when's the date of my first payment of a loan i took out - only, i didn't take a loan out. I recieve spam loan texts on my phone all the time so maybe i missed it but they didn't call me either. Upon checking my online banking i see that £1000 has been paid into my account and then withdrawn to another account... A month ago.

I'm worried that they will make me repay what i don't owe. What are my rights and is there any way of finding the scammer? Can i get my money back? I'm positive i didn't give anyone my details. (Apart from all these surveys.. but they'd need a lot more to get into my bank right?)
 

The Reverend

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So I've just got a letter though the door about my repayments and when's the date of my first payment of a loan i took out - only, i didn't take a loan out. I recieve spam loan texts on my phone all the time so maybe i missed it but they didn't call me either. Upon checking my online banking i see that £1000 has been paid into my account and then withdrawn to another account... A month ago.

I'm worried that they will make me repay what i don't owe. What are my rights and is there any way of finding the scammer? Can i get my money back? I'm positive i didn't give anyone my details. (Apart from all these surveys.. but they'd need a lot more to get into my bank right?)
1) Phone/Visit your bank and speak to them
2) Report it to Action Fraud
3) Be 100% you (and no-one you are connected to) has done this.
4) Make sure your virus checker/malware/online security is up to date.

Sorry to hear you've been scammed. Speak to your bank (I'd recommend in person, then you can call police/action fraud while you are in the bank) and hopefully they can help you.

Thanks,

The Reverend
 
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Kimilsung

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Thanks, i reported it to n26 a while ago and the police but they don't seem to be doing anything about it. I then searched up the loan company and i emailed them a complaint.
 

savvysaver

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You also need to mark it fraudulent on all of your credit reports to start getting it removed.
 
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Kimilsung

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Experian didn't seem to have a way to look at your things properly but on the help page about corrections, there was a contact us bit so i emailed em explaining it.
 
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