Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MSE Callum
    • By MSE Callum 1st Nov 17, 5:27 PM
    • 68Posts
    • 31Thanks
    MSE Callum
    MSE News: Got an Equifax letter saying you were hacked? The helpline's struggling...
    • #1
    • 1st Nov 17, 5:27 PM
    MSE News: Got an Equifax letter saying you were hacked? The helpline's struggling... 1st Nov 17 at 5:27 PM
    Almost 700,000 British victims of the Equifax hack are receiving letters offering free identity protection - but only if they hand over personal details - and directing them to a helpline that many say isn't working properly...
    Read the full story:
    'Got an Equifax letter saying you were hacked? The helpline's struggling - here's what to do'

    Click reply below to discuss. If you haven’t already, join the forum to reply.
    Read the latest MSE News
    Flag up a news story: news@moneysavingexpert.com
    Get the Free Martin's Money Tips E-mail
Page 3
    • Doc N
    • By Doc N 10th Nov 17, 7:39 PM
    • 6,390 Posts
    • 19,292 Thanks
    Doc N
    but they seem to do credit searches when you just want an insurance quote for something which is invariably paid upfront. Multiple of those on my credit file from recently getting quotes for car and home insurance. I personally can't see the reason why they need to do that when you aren't, at that stage, and indeed may never be buying it from them.

    Or are these not what you mean?
    Originally posted by redfox
    I agree entirely. Searches seem to be done for all sorts of reasons, even if you're not actually getting credit. CIFAS, effective though it is, slows the process and last time I used it I found it a real pain, delaying all sorts of things by up to 4 days. Sounds minor, but it wasn't.
    • tali
    • By tali 11th Nov 17, 7:46 PM
    • 677 Posts
    • 73 Thanks
    tali
    One of my dilemnas is by signing up to Equifax's Monitoring Services is that i have to give even more of my info to them.Don't know whether to stick or twist.
    The free protection is tempting -only if i assume i have far better protection systems from Equifax now....
    • Doc N
    • By Doc N 11th Nov 17, 8:37 PM
    • 6,390 Posts
    • 19,292 Thanks
    Doc N
    One of my dilemnas is by signing up to Equifax's Monitoring Services is that i have to give even more of my info to them.Don't know whether to stick or twist.
    The free protection is tempting -only if i assume i have far better protection systems from Equifax now....
    Originally posted by tali
    I think it's actually quite difficult to give Equifax any more information than they already hold on an individual - they have details of pretty much every financial link you have already.
    • Somerset La La La
    • By Somerset La La La 11th Nov 17, 9:09 PM
    • 439 Posts
    • 122 Thanks
    Somerset La La La
    I haven't had the letter... but put a complaint in because I want one!!

    One of the worst bits to come out of it for me was the use of admin/admin to login to one of their portals!!!

    Even some of my customers were amazed they'd be that lax... such a big company! They should be giving out the protection to everyone they hold records on, not just those they have deemed it affected.

    It took them how many months to know they'd been breached... what's to say this number doesn't rise (again) in the coming months?


    Saying all that, if anyone manages to get credit in my name.... well done to them, they can keep it!!!
    Ex-Bankrupt, Discharged 09/2015
    Capital One - Jul 2016, £3,750 Never ending 0%....
    Aqua Reward (0.5% Cashback) - Nov 2016 - £1,950
    Vanquis Chrome 24.7% - July 2017, £1,000
    Car Loan - Sept 2017 - £15k outstanding, early settlement = £10k....
    Rebuild for Mortgage (10/2018)
    • badmemory
    • By badmemory 11th Nov 17, 9:22 PM
    • 951 Posts
    • 986 Thanks
    badmemory

    It took them how many months to admit (know) they'd been breached... what's to say this number doesn't rise (again) in the coming months?
    Originally posted by Somerset La La La
    Hope you don't mind me correcting that for you.

    In the meantime between the breach & admitting it several officers of the company sold a lot of shares, but have been cleared of insider trading. But I'm sure we all believe that don't we?
    • Somerset La La La
    • By Somerset La La La 11th Nov 17, 9:26 PM
    • 439 Posts
    • 122 Thanks
    Somerset La La La
    Hope you don't mind me correcting that for you.

    In the meantime between the breach & admitting it several officers of the company sold a lot of shares, but have been cleared of insider trading. But I'm sure we all believe that don't we?
    Originally posted by badmemory
    I knew they were being investigated, staggering they've been cleared!!

    Need a Whistleblower at Equifax to release some calendars & internal emails.... the next set of the 'paradise papers' Equifax 2017/18... will show chaos at senior management level much earlier than they want us to believe as they learnt of and reacted to the breach!
    Ex-Bankrupt, Discharged 09/2015
    Capital One - Jul 2016, £3,750 Never ending 0%....
    Aqua Reward (0.5% Cashback) - Nov 2016 - £1,950
    Vanquis Chrome 24.7% - July 2017, £1,000
    Car Loan - Sept 2017 - £15k outstanding, early settlement = £10k....
    Rebuild for Mortgage (10/2018)
    • tali
    • By tali 12th Nov 17, 7:40 PM
    • 677 Posts
    • 73 Thanks
    tali
    I think it's actually quite difficult to give Equifax any more information than they already hold on an individual - they have details of pretty much every financial link you have already.
    Originally posted by Doc N
    Only recent suspicious activity Ive had are indian ebay account(before the hack) and a facebook account -although both on same email -which i never registered with equifax
    • HUMBUG
    • By HUMBUG 12th Nov 17, 8:42 PM
    • 135 Posts
    • 27 Thanks
    HUMBUG
    I got a free Equifax report for 30 days in 2014 but have never paid a monthly fee. I entered the reference number from my letter on the URL above and clicked on the registered member login box. Without entering any personal details I was immediately verified and signed up for the Equifax Protect product.
    Originally posted by RG2015
    I did the same but all it did was register me an Equifax login user id and password. It didn't give me any opportunity or access to any webpage to sign up for any of their products.
    • HUMBUG
    • By HUMBUG 12th Nov 17, 8:46 PM
    • 135 Posts
    • 27 Thanks
    HUMBUG
    [QUOTE=Somerset La La La;73398735]I knew they were being investigated, staggering they've been cleared!!

    Need a Whistleblower at Equifax to release some calendars & internal emails.... the next set of the 'paradise papers' Equifax 2017/18... will show chaos at senior management level much earlier than they want us to believe as they learnt of and reacted to the breach![/QUOTE

    Same thing happened when BT Italy fraud was made public. Their head of BT Global ( Luis Alvarez) sold hundreds of thousands of shares a month before. Crystal ball?
    • HUMBUG
    • By HUMBUG 12th Nov 17, 8:53 PM
    • 135 Posts
    • 27 Thanks
    HUMBUG
    The problem is going to get worse now that banks will be able to share your details with third parties (smaller companies with less to spend on securing our data). Now the fraudsters and hackers will target these smaller companies to get your personal data . I think all we can do is just deal with the problems as and when it happens . The hackers now have my name, dob and telephone number , which is probably enough to set up fraudulent accounts . Further these checks via CIFAS , WEBPROTECT ,etc are probably only useful after they've set up the fraudulent accounts (credit cards etc ) and probably spent the credit limit.
    • Gerbold
    • By Gerbold 14th Nov 17, 10:35 PM
    • 1 Posts
    • 1 Thanks
    Gerbold
    I received my letter on Friday 10th November 2017. I telephoned the helpline (hah) number today. My heart sank when I realised I was talking to a Filipino. I asked the pertinent question about when I would have to begin paying for a service I should not be in the situation of having to need (although it was already in the letter - I thought it might be a good conversation starter). The lady confirmed it would be in a year. I said my goodbyes and have ended up at the most appropriate site for letting my feelings be known and to try and get some info. and to get some support from those more in the know than I.
    I don't need a credit score - I don't borrow over long periods, I have no mortgage, I pay my two regular credit card debts every month and pay the minimum amount on two 0% cards I borrowed on two years ago. I regret that now - I could have paid outright and could do so now. I probably will repay them after this debacle.
    I used Experian for a short time a while ago but had no real use for it and I ended my association with it.
    Equifax have data on my financial transactions. Why was I never informed of this by them? Why have my government and the financial institutions I deal with failed to inform me that this sensitive data has been purloined by a third-party organisation based in the US? This is akin to some MI5 dossier on me being stolen by a burglar who was left an open door to enter the building where all the records are kept.
    Those of you seeking alternative support because you need 'scores' for your credit-worthiness - I sympathise with you. You have to buy into these institutions. But I feel I am being asked to sign up to a company who will give me a free service I don't need, for a year, and then charge me afterwards - for having info. on me that I never agreed to them having in the first place and which they couldn't protect anyway.
    This is the spiel of high-level incompetence - don't tell, then, when you have to tell, don't tell everything, then when everything comes out, offer a service to right your wrongs and then try to make the best out of it by charging for it.
    Problem is I don't trust the FCA to take this situation by the scruff of the neck and lock these fools down. I'm having to deal with the incompetents who've created this crisis.I suspect those Americans who've been let down by Equifax will be considering a 'Class Action' and the lawyers will be queueing up to represent them.
    Anyone who wishes to pick holes in, correct my opinions or clarify what's really going on, please do so. A national debate is needed on how these shysters operate.
    • Southend1
    • By Southend1 15th Nov 17, 7:27 AM
    • 3,214 Posts
    • 3,070 Thanks
    Southend1
    I find it very concerning that they transferred my data to the US in the first place.

    Rang the helpline and after several attempts the operator in the Philippines managed to put me through to someone in the UK, not that they were much help.

    I asked for a credit report to be sent by post, if for no other reason than it would cost them a few pence in postage on top of the cost of the helpline staff.
    • dogfonos
    • By dogfonos 15th Nov 17, 6:58 PM
    • 24 Posts
    • 1 Thanks
    dogfonos
    We only get to hear of the massive security breaches, the ones that are too big to cover up. Wonder how many lesser hacks - and other data losses - are concealed by all sorts of organisations holding our personal data?

    Supplying our details to more organisations on the assumption that they can assist with our data security (assuming they don't hold such data already) doesn't seem to be the sensible option. Rather, I think we should work to limit the quantity of our personal information sprayed around by all and sundry, much of it needlessly so, I suspect.
    • DennisTenus
    • By DennisTenus 16th Nov 17, 1:43 PM
    • 62 Posts
    • 7 Thanks
    DennisTenus
    Sorry if I've missed it but surely we could take legal action against them? and if so how?
    • meer53
    • By meer53 16th Nov 17, 1:52 PM
    • 8,943 Posts
    • 12,982 Thanks
    meer53
    I think everyone needs to calm down a bit. There are other much more important things to get worked up about.
    • Doc N
    • By Doc N 16th Nov 17, 3:46 PM
    • 6,390 Posts
    • 19,292 Thanks
    Doc N
    I think everyone needs to calm down a bit. There are other much more important things to get worked up about.
    Originally posted by meer53
    You've obviously never been the subject of identity fraud or stolen bank/credit card details.

    Since both of these are potential outcomes of this security breach, which Equifax are doing their very best to play down, I think this is a pretty important issue.

    If you don't, you do have the option of not following the thread, of course.
    • meer53
    • By meer53 16th Nov 17, 6:31 PM
    • 8,943 Posts
    • 12,982 Thanks
    meer53
    You've obviously never been the subject of identity fraud or stolen bank/credit card details.

    Since both of these are potential outcomes of this security breach, which Equifax are doing their very best to play down, I think this is a pretty important issue.

    If you don't, you do have the option of not following the thread, of course.
    Originally posted by Doc N
    I have been the victim of fraud, more than once. It wasn't the end of my world, i'm also affected by the Experian debacle. It's just not something i worry about, if it happens, i'll deal with it.

    Meanwhile, i'll get on with things, people talking about "lawsuits and class action" is way over the top.
    • Doc N
    • By Doc N 16th Nov 17, 7:15 PM
    • 6,390 Posts
    • 19,292 Thanks
    Doc N
    I have been the victim of fraud, more than once. It wasn't the end of my world, i'm also affected by the Experian debacle. It's just not something i worry about, if it happens, i'll deal with it.

    Meanwhile, i'll get on with things, people talking about "lawsuits and class action" is way over the top.
    Originally posted by meer53
    Obviously, you're entitled to your opinion on this, and I hope you're not affected, but you underestimate the impact on someone's life of identity fraud.

    And, given that Equifax have yet to explain why they kept this quiet for so long, how it happened and why they've used admin/admin as username/password on one of their operations, legal actions and class actions look like being a distinct possibility - even here in the UK.
    • meer53
    • By meer53 16th Nov 17, 7:23 PM
    • 8,943 Posts
    • 12,982 Thanks
    meer53
    Obviously, you're entitled to your opinion on this, and I hope you're not affected, but you underestimate the impact on someone's life of identity fraud.

    And, given that Equifax have yet to explain why they kept this quiet for so long, how it happened and why they've used admin/admin as username/password on one of their operations, legal actions and class actions look like being a distinct possibility - even here in the UK.
    Originally posted by Doc N
    Dealing with fraud is part of my job, i understand exactly how some people can be affected, i deal with it every day, so i really don't underestimate the effects it can have.

    I just feel, and yes, it's just my opinion, that some people worry way too much about stuff that may never happen.
    • RG2015
    • By RG2015 16th Nov 17, 7:53 PM
    • 493 Posts
    • 235 Thanks
    RG2015
    I am being extra vigilant since the news broke with free daily credit report updates from Equifax Protect and the same from GiffGaff for Callcredit.

    It is only Experian from MSE that I can only get updated once a month.

    As regards ID theft, has anyone heard of an increase in reported ID theft since the initial Equifax data breach in May?
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

1,952Posts Today

8,511Users online

Martin's Twitter