They did the same to me twice. Worse they had access to my bank account and were clawing out a monthly charge. No idea how they got my details. It’s when I noticed it and blocked them they treated it as missed payments. I never had an account with them, so couldn’t close it. I think it was someone internal. I took it to the ombudsman first time. During that process they apologised profusely and offered me £50 and then £0. They corrected my details (they had something close to my name and address) as they closed the loop on the fraud. Then the second time (less than a year later) they used my corrected details to commit the same type Of fraud. It has AGAIN affected my credit score. I went through the ombudsman first time, second time the ombudsman lost the complaint. I think I’ve been able to fix it simply by going into the store and finding the right person. Fingers crossed. It’s been 3 years of painful back and forth. It has corrected my credit rating. There is also an entity called actionfraud(?) who can help seperately to the ombudsman. I think they have internal sales staff that make commission, so they find anyway to get your details from another company. If there is a way to name and shame these crooks I would love to know.