I don't quite understand the bank account business. The Halifax bank account was opened online and a letter arrived here on Saturday with a password and user details, so maybe he hadn't got as far as presenting ID.

I have a nasty feeling that the parcel addressed here may be acting as a form of ID, as I think it must have been a mobile phone with contract details at this address. Today I got a T-Mobile phone bill for ?150 addressed to this phantom person, which I think was set up against that bank account, though T-Mobile wouldn't confirm this for security reasons!

Just opened another envelope from Hallifax re another bank account under a different name.

If only I had been more suspicious of the 'parcel sent to the wrong address' story...

I've followed up the credit report, and nothing untoward -yet. Thanks, BlushingSnail.

Jane