A quarter of UK adults have had their identity stolen or know someone who has fallen victim to ID fraud, a Which? magazine survey has suggested.
Nevertheless, only one in three people said they shredded bills or used different passwords for every account.
ID thieves access accounts, run up bills, launder money, carry out benefit fraud and take out fraudulent loans.
ID fraud is one of the UK’s fastest-growing crimes, with criminals netting an estimated £1.3bn last year.
WARNING SIGNS
You have a good credit history but are turned down because of a default on your record.There are entries on your credit file you do not recognise
You are being chased for outstanding debt.Mail you normally expect from financial institutions does not arrive.
You have lost or had important documents stolen
You apply for benefits and are told you are already claiming, when you are not.
*Source: Home Office
http://www.identitytheft.org.uk/
What is it?
Identity theft is the unlawful taking of another person’s details without their permission. The information stolen can be used to obtain many financial services goods and other forms of identification i.e. Passports and Driving Licences.The information stolen can range from a copy of birth certificate to copies of discarded bank or credit card statements and utility bills.
Once the criminals have copies of someone’s identity they can embark on criminal activity in their name with the knowledge that any follow up investigations will not lead automatically to them. With your details they can obtain documents that are in essence real but containing false information thus making it difficult for organisations to known who they really are dealing with.
Protect yourself!
Be careful with your personal information. If you receive a telephone call from a credit card company, bank or other retail company asking to confirm certain details about yourself decline them and ask to call them back preferably through a central switchboard.
When destroying personal correspondence such as bank and credit card statements consider a shredder or even burning them on the garden refuse. If you cannot do either then tear the papers up into very small pieces and place in the refuse bin with other waste products.
If you move address remember to inform all of the companies that send personal information to you in the post. Always consider re-directing your post with Royal Mail.
If you fail to do this people moving in might have free access to your personal details and misappropriate them.
How do you know if are victim to this type of fraud?
Are you missing your regular monthly statements?
Have you noticed charges to your accounts that are not yours? Remember to check all statements especially bank and credit card.
Being contacted by a debt collection agency about outstanding payments for items or services that you have not ordered.
Protect yourself act quickly
Firstly do not ignore the problem it might not be you that has ordered some goods or opened an account but the debt falls to your name and address.
Once blacklisted for credit it may take many years to fully recover the problem you might have difficulties in obtaining a mortgage or other bank credit.
USEFUL CONTACTS
Credit Reference Agencies
EQUIFAX PLC
Credit File Advice Centre
PO BOX 1140
Bradford
BD1 5SU
Tel: 0870 010 0583
www.equifax.co.uk
EXPERIAN LTD
Consumer Help Services
PO Box 8000PO
Nottingham
NG1 5GX
Tel: 0870 241 6212
www.experian.co.uk
CALLCREDIT PLC
One Park Lane,
Leeds.
West Yorkshire.
LS3 1EP.
Tel: 08700601414
www.callcredit.plc.uk
CIFAS
4th Floor – Central House
14 Upper Woburn Place
London
WC1H 0NN
www.cifas.org.uk
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