Forgive me Anahata, but your anecdote positively reeks of urban myth.

When you say "I know someone", does this mean this happened to a friend of yours who recounted the details personally to you first hand,
or were you in fact told about it by " someone who knew someone who knew someone to whom it happened " ?

It is impossible to order up a replacement debit or credit card just by quoting an account number and an address.

You will be asked a number of security questions over the phone, the answers to which are impossible to know unless you are the genuine account holder or alternatively have been foolish enough to divulge the information to somebody else, ( in which case you deserve everything you get ).