Identity Fraud FAQ’s

What is identity crime?

If I’m a victim, am I responsible for any fraudulent credit card or bank transactions?

If you have been a victim of identity fraud and your card is still in your possession, you should not have to pay for anything bought on it without your permission (subject to the terms and conditions of your account).

If your card has been lost or stolen, you will usually not have to pay, unless it can be shown that you have acted fraudulently or without reasonable care, for example by keeping your PIN number written down with your card.
The same applies to any money lost through fraudulent bank transactions.

How can I tell if I’m a victim of identity theft?

You may become a victim of identity theft if:

* you have lost or had stolen important documents such as your passport or driving licence; or
* post expected from your bank has not arrived or you are receiving no post at all.

You may already be a victim of identity theft if:

* items have appeared on your bank or credit card statements that you do not recognise;
* you applied for a state benefit but are told that you are already claiming;
* you receive bills, invoices or receipts addressed to you for goods or services you haven’t asked for;
* you have been refused a financial service, such as a credit card or a loan, despite having a good credit history;
* a mobile phone contract has been set up in your name without your knowledge; or
* you have received letters from solicitors or debt collectors for debts that aren’t yours.