Hi everyone - I recently applied for a Halifax Clarity credit card and was approved. Got confirmation from them on 22 August. But never recieved any PIN number (which comes first) by post or the card itself. thinking banks sometimes take ages to get things out I wasn't unduly concerned but called today to see if all OK.
Well apparently my card has already been used - to £1,053 of the £1,200 credit limit!! My address is Flat 5, 70 XX Gardens and they are saying that the card was addressed to me at just 70 XX Gardens. but that shouldn't have made an issue as it should still have been posted through the communal letterbox for the block.
anyway - they then put me through to fraud team. who said i have to go into nearest Halifax branch to identify myself with passport and then they will call Halifax fraud team from the branch with my case number. no one will confirm if I am liable for the money or not so I am panicking big time.
the card has obviously been stopped in the meantime.
has anyone else experienced anything similar? surely Halifax has insurance for this type of thing and I won't have to pay this bill for some nasty criminal's spendings (incidentally one major cash withdrawal and a very big dinner in London!)
thanks for any advice
Well apparently my card has already been used - to £1,053 of the £1,200 credit limit!! My address is Flat 5, 70 XX Gardens and they are saying that the card was addressed to me at just 70 XX Gardens. but that shouldn't have made an issue as it should still have been posted through the communal letterbox for the block.
anyway - they then put me through to fraud team. who said i have to go into nearest Halifax branch to identify myself with passport and then they will call Halifax fraud team from the branch with my case number. no one will confirm if I am liable for the money or not so I am panicking big time.
the card has obviously been stopped in the meantime.
has anyone else experienced anything similar? surely Halifax has insurance for this type of thing and I won't have to pay this bill for some nasty criminal's spendings (incidentally one major cash withdrawal and a very big dinner in London!)
thanks for any advice