[Closed] How do scammers create a fake bank account?

Went into Halifax BS yesterday with one of my best Nigerian customers to talk about his bank account. He's been phoning in for a couple of years, identifying himself then getting no further because he's not been able to tell them the balance. Yesterday it emerged that somebody has created a fake account under his name with an address in Camberwell, got a card made, transferred £10,000 over and operated the new account for a month before anti-fraud shut it down. Somebody has been phoning the bank in his name and demanding that the account be reopened but HX have refused, thank God.

So how did they create the extra account and order up a card? It's gone to the Complex Impersonation Team for investigation and my customer looks like having to extend his stay in order to get the cash he needs to pay school fees.