NanKate
Exoerian do not notify you if someone uses your name for fraudulent purposes.
I am a member and ultimately paid £20 for 2 years membership of CIFAS after my name and date if birth was used by someone to take out 2 lines of credit ( thousands of £s) with a well known high street street which has a directory.
I knew nothing about it until I received a letter from a debt collection agency. It was then up to me to prove I knew nothing about it (which I managed to do at a cost, both financial and time-wise)
It is still ongoing and, although my credit files are spotless, the company has made no apology whatsoever and is being investigated by the retail Ombudsman. The police do NOTHING if you have not lost any money.
All I can say is that although companies say (in their ts&cs) that they MAY check that the bank details correspond with the name, DOB and address given among other checks they MAY carry out, they, in their own words, 'trust that the proposed account holder is giving the correct information'. In other words they rarely, if ever, check.
The fraudster apparently lives hundreds of miles from where I live so how that info got into their hands...who knows. We have to give out so much data nowadays that fraud is on the increase. Beware.