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@bothwell
It's possible that Santander have the wrong number for an account. If the messages have just started then it's also possible that the owner of the real account is actually being defrauded as of now and that the number that Santander hold for them has been changed to avoid detection. I'd forward the messages to Santander's fraud dept, personally: http://www.santander.co.uk/csgs/Satellite?appID=abbey.internet.Abbeycom&c=Page&canal=CABBEYCOM&cid=1210607007773&empr=Abbeycom&leng=en_GB&pagename=Abbeycom%2FPage%2FWC_ACOM_TemplateA2