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UPDATE
Well my mother in law rang me again on thursday and i have now applied for a mbna credit card, so thought i would ring the good old english police, for them to say nothing to do with them because no one has actually commited a crime (even though i said that they had applied for cards in my name they said that untill they get and use them its not a crime!!!!!).
So i rang mbna up and find out what the hell is happening, got put through to a helpfull bloke who told me that the pratts who had applied for the card had failed. And that my details had been flagged up as a potential stolen identity so hopefully should be ok now
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