Whats is ID Fraud?

The types of personal information used for identity fraud include name, address history, date of birth and national insurance number. Personal information can be compromised in a number of ways, often by criminals taking documents from rubbish bins or by making contact with individuals and pretending to be from a legitimate organisation.

How can I avoid becoming a victim?

Your personal information is extremely valuable and you should take as much care to protect it as we do. The industry advise that you:

Destroy (shred, if possible) documents, including envelopes and junk mail, before you discard them

Keep important documents such as your passport or driving licence and/or financial policy documents safe

If you move house ensure your mail is redirected. Inform all of your financial providers and other organisations (such as the DVLA) of your change of address immediately

If your passport or driving licence has been lost or stolen contact the issuing organisation immediately

If you stop receiving mail contact Royal Mail for an explanation

Review your financial statements for unauthorised activity

Be suspicious if you are unexpectedly contacted by telephone, email, post or fax asking you for personal information like a password or policy number

If you are a company director, consider using a company AND private signature

Ensure your financial provider has your current contact details

Regularly obtain a copy of your personal credit file

If your plastic cards are lost or stolen, cancel them immediately

Beware of ‘phishing scams’ – do not access email links from product providers and do not provide login information for online accounts

Do not use the same password for more than one account and never use banking passwords for any other websites

Keep your passwords safe and never record or store them in your purse or wallet.


What are the signs of ID Fraud?

There are transactions missing on your bank statement, for example, direct debits to your investment. Fraudsters have been known to change direct debits to investments then close that investment and steal the assets

There are transactions missing on your annual statement. A fraudster may have cashed part of your investment

You stop receiving routine performance information concerning your investment, for example, your annual statement. A fraudster may have changed your address

You are unexpectedly refused credit or a personal loan.

Who can help me more?

If you think you are the victim of identity fraud contact your bank, investment company and/or your financial provider as soon as possible. Consider contacting CIFAS – the UK’s Fraud Prevention Service – to apply for protective registration.


You can also visit the following websites: