Identity theft is a growing problem. 

This type of fraud involves criminals accessing your personal information and using it to ‘steal’ your identity.  In other words, they can pretend to be you in order to open bank accounts, get credit cards, loans, mortgages or to claim benefits. They could even take over your existing accounts and change the supplied address.

The result? You could be plunged into a nightmare situation where your credit history is ruined and you have to correct your record. The majority of victims ARE reimbursed by their banks, but it is a terrible experience nonetheless.

Fraudsters use a number of methods to obtain your information. They can:

There are warning signs to look out for. 

If you receive bills or invoices for goods you have not ordered, collection letters for debt you have not accrued or there are transactions on your bank/credit card statements that you do not recognise, then you are at risk. Also be aware if important documents, like your passport or driving licence, have been stolen.

What You Can Do

Keep all your important documents safe and secure - do not compromise you personal details.
When using a credit or debit card , make sure it is never out of your sight.
Be wary if ATMs look as though they have tampered with, your cards could be skimmed and cloned.
Never reveal your details when you are contacted by phone, fax, post or email if you believe the request not to be genuine.

Always offer to ring back any suspicious callers.

Destroy, preferably shred, all documents which may contain your information, such as bank statements and utility bills.

Properly check all your bank/credit card statements and immediately report any transactions you do not recognise (even small amounts).