What is Identity theft?
Identity theft is a method used to carry out criminal activity, involving unauthorised use of your name and personal details to either steal from you, or commit a crime in your name. Identity theft can be carried out either online, physically using printed documents, or by a combination of the two.
- Do not share account information with friends, family or other people.
- Ensure you always have effective and updated antivirus/antispyware software running.
- If possible, arrange for paperless bills and statements.
- File sensitive documents securely, and shred those you no longer need – preferably with a cross-cut shredder.
- Never divulge private information data in response to an email, text, letter or phone call unless you are certain that the request is from a bona fide source.
- Always beware of people looking over your shoulder when you are entering private information on a computer, smartphone/tablet or ATM.
What to do if your Identity has been stolen
- Act promptly in order to minimise the impact of the theft.
- Contact any affected websites and advise them about the problem.
- If you can, log in and change your password immediately using a strong password.
- If you are unable to log in, contact the website’s technical support department immediately for further advice.
- Ask your bank, building society or credit card company for advice (for example, on freezing accounts and getting new cards, passwords and PINs). Most will refund the full amount lost providing you were not negligent in some way.
- Change your password on other websites in case they have also been compromised.
- If website access requires a secret question, change it if you can to avoid repeat incidents.
- Check your other personal information, such as addresses, to make sure it is still correct.
- Check for other transactions, items for sale or items purchased in your name which you have not originated and cancel them.
- Report all lost or stolen documents (passports, driving licences, credit cards, chequebooks, etc) as soon as possible to the relevant issuing authorities.
- Do not continue to use a compromised PIN.
- Notify Royal Mail if you suspect mail theft or that a mail redirection has been fraudulently set up on your address.
If you think you have been a victim of fraud: Report it to Action Fraud, the UK’s national fraud reporting centre, by calling 0300 123 20 40 or by visiting www.actionfraud.police.uk.