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I have never seen the need to pay for Identity fraud help but there again I have never been subject of it.
Whether I would change my mind if it did happen to me I can't tell.
As I see it If I apply for credit or loans etc then it is my responsibilty to repay it; if I don't then the lender can sort it out if their processes are not rigourous enough to weed out these applications.
What goes around - comes around
give lots and you will always receive lots
Will definately look into this - especially as I am embarking on building a savings portfolio. Dont want to lose my savings to fraud!!
LG
You wont if you keep your computer up to date with anti virus and firewall and don't answer ANY clickable links without going through the proper home page.
My anti virus and firewall are free and I have been banking, saving and spending online for the best part of 10 years without any problems.
What goes around - comes around
give lots and you will always receive lots
The Following User Says Thank You to jonesMUFCforever For This Useful Post:Show me >>
Staff at Marks and Spencer have been warned they may be at risk of identity crime after the theft of a laptop.
The M&S response is to offer staff Free Credit Checks.
Unfortunately spotting a fraudulent application on your credit file is similar to spotting a fraudulent transaction on your credit or debit card statements. It's too late, the dastardly deeds been done. Yet YOU can prevent this.
Hi dear friends this is patrick,
One of the serious concerns is about identity fraud. In order to protect you i can show identity safety tips which can help you out..!
I have been a victim of identity fraud (numerous atempts!). I even received some returned documents from a credit card company refusing 'my' application. The documents included a gas bill and a pay slip - all entirely false - we don't have gas here and I did not even work for the company on the fake pay slip!
I have even received new credit cards that I never applied for!
Beware - if you move house (as I did), let property or redirect your mail, you may well be a victim. I advise anyone in this situation to register with CIFAS (google for it). This will protect you against people applying for credit cards with your identity.
I have had a Barclaycard for some time, and wished to know whether the free ID Fraud Protection covered me. The person I (eventually) spoke to seemed not to know what I was talking about. Having patiently explained everything several times she told me that, certainly, such protection was available but, equally certainly, it was not free. Who's kidding whom?
Martins’ tips when he wrote this article were pretty sound but there is a better alternative which enhances some of his advice.
Use a shredder. Keep your personal info safe and secure. Be safe on the web or phone. Regularly check your credit reference files. Register with CIFAS if you think there’s a risk of ID fraud.
It is good advice to use a shredder and to keep your info safe and secure and always will be. Recent events of major data security breaches by High Street names, Councils and a Government Department highlights just how insecure personal information is.
Why not render your personal information worthless?
Martin advises you to check your credit files regularly. This works out at £6 minimum a time.
Why not get FREE warnings of attacks’ on your files?
Why not have the ability to easily prove it wasn’t you who submitted an application,?
Why don’t you help the law enforcement agencies help you by giving them the tools to do the job, namely a fraudsters forensics?
Why not be in the driving seat by making sure that a lender responsible for granting a loan without complying with YOUR instructions can be held to account?
Martin suggests you register with CIFAS if you think there’s a risk of ID fraud.
CIFAS Protective Registration costs £11.75 per year. It is designed to protect CIFAS members. Not all lenders are CIFAS members. Those subscribing to CIFAS Protective Registration are therefore not fully covered.
Do you want to be FULLY covered?
Do you want YOUR Credit Files to be protected even if you or a crook changes your address?
Do you want your nearest and dearest to be protected after your death?
i bought last year CPP identity protection alert insurance it costs £59.99 a year and it is up for renewal now in august and i am just wondering actually if it is actually good value for money? Has anyone else ever had this insurance or any experience of it? I would be grateful for any help with this
i bought last year CPP identity protection alert insurance it costs £59.99 a year and it is up for renewal now in august and i am just wondering actually if it is actually good value for money? Has anyone else ever had this insurance or any experience of it? I would be grateful for any help with this
It's money straight down the drain I'm afraid
The Following User Says Thank You to Banderman For This Useful Post:Show me >>
do you mean that it actually is no help at all? have you had experience of it?- would i be better then cancelling it and just using other methods such as freeidprotection?
the problem is i was robbed in 2004 and then posted with experian a notice that anyone who tried to use my information to apply for credit cards etc.. had to use a certain pass word i have never been asked for this passwork in any financial transaction - applying for credit cards or loans! so how much use is posting with experian etc..?
Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps. Take care over copyright. Use excerpts and links rather than copying long text. This site asserts copyright on all comments posted on the board.
Pls be nice to all MoneySavers. There's no such thing as a stupid question, and even if you disagree courtesy helps.
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