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  • FIRST POST
    • MSE Callum
    • By MSE Callum 1st Nov 17, 5:27 PM
    • 86Posts
    • 48Thanks
    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 havenít already, join the forum to reply.
    Read the latest MSE News
    Flag up a news story: news@moneysavingexpert.com
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Page 6
    • andromedean
    • By andromedean 26th Nov 17, 10:29 AM
    • 1,351 Posts
    • 1,637 Thanks
    andromedean
    It applies very much to British customers, and I wasn't prepared to sign up to the free services while at the same time signing away my rights to take legal action against them via a class action.

    You can, however, obtain, on request, an assurance from them that it will not limit any legal rights, and that's what we've all done in this family. You never know what's round the corner, and I think this fiasco has yet to be fully played out as more and more people come to realise its impact.
    Originally posted by Doc N
    Thanks, I may do this, but if I leave within a certain time of joining is it still too late?
    • Doc N
    • By Doc N 26th Nov 17, 11:15 AM
    • 6,417 Posts
    • 19,309 Thanks
    Doc N
    Thanks, I may do this, but if I leave within a certain time of joining is it still too late?
    Originally posted by andromedean
    Sorry - how do you mean?

    And you may well find thatTalkTalk's the real culprit in allowing your details to get into the public domain. That's certainly the case for me and it's nothing to do with Equifax but I'm happy to take their normally expensive alert service for free!

    The fake TalkTalk calls are a constant source of amusement.
    • RG2015
    • By RG2015 26th Nov 17, 11:25 AM
    • 617 Posts
    • 323 Thanks
    RG2015
    I think Noddle is free too.
    Originally posted by vertex
    Yes I did have an account with Talk Talk, they took over another of my services, but I've moved away after poor service.

    Perhaps it would have been wiser to use one of the others though. I don't this Equifax is the best.
    Originally posted by andromedean
    Yes. Noddle is free but like Experian via MSE, it only updates once a month. The Equifax protect product can be updated every day. Clearscore is also free and gives data from Equifax so doesn't benefit you as long as the free Equifax deal lasts (2 years I think).

    I also use GiffGaff which gives the same data as Noddle (CallCredit data) but the GiffGaff credit report updates every time you log in. You do not require a GiffGaff account to access your credit report.

    Finally it is not a question of which CRA (Experian, Equifax or CallCredit) is best. They all provide credit reports but the information is different especially the search records.
    Last edited by RG2015; 26-11-2017 at 11:27 AM.
    • RG2015
    • By RG2015 26th Nov 17, 11:32 AM
    • 617 Posts
    • 323 Thanks
    RG2015
    Thanks, I may do this, but if I leave within a certain time of joining is it still too late?
    Originally posted by andromedean
    I believe that if a company's Terms & Conditions are unreasonable they cannot be enforced. Your data is protected by law (data protection act). Equifax cannot shirk away from their legal responsibilities by slipping in an exclusion clause hidden in their copious Ts&Cs.
    • RG2015
    • By RG2015 26th Nov 17, 2:32 PM
    • 617 Posts
    • 323 Thanks
    RG2015
    Equifax Web Detect
    Within the Equifax Protect service their Web Detect offers to monitor the following:

    1) Up to 6 email addresses
    2) Up to 6 telephone numbers
    3) Up to 12 credit/debit cards
    4) Up to 6 bank accounts
    5) My driving licence
    6) My National Insurance number

    I am quite happy to review my searches on a regular basis. My wife took out a new mobile phone contract on Thursday and the search was there on my Equifax credit report the next day.

    Equifax say that "Equifax WebDetect continuously actively scans hard-to-find websites for your personal information and alerts you if your information is at risk of being traded."

    I do not quite see how giving Equifax all of this extra data is of any benefit. I assume that my data is always at risk and I should be fine as long as there aren't any unknown searches
    • Jack Maunders
    • By Jack Maunders 27th Nov 17, 5:38 PM
    • 1 Posts
    • 1 Thanks
    Jack Maunders
    I received the letter on 15th November stating they were hacked in May. I have written to them asking why they took 6 months to notify me. I have also given details of the following.
    On 17th November, I received a parking Penalty Charge Notice in respect of a car I did not own, in a car park I was not in on the date of the offence. I assumed that the Parking Company had checked the address of the car registration with DVLA. It is therefore apparent that my identity has been stolen, preumably as a result of the Equifax hack. I have therefore written to the Parking company, DVLA and the local Police. The Police referred me to Surrey Police and I have registered the report with them and Action Fraud.

    I must admit that I am now waiting with baited breath to see how else my stolen identity has been used, and concerned as to what I can do about it.
    Last edited by Jack Maunders; 27-11-2017 at 5:40 PM. Reason: Addition
    • RG2015
    • By RG2015 27th Nov 17, 8:27 PM
    • 617 Posts
    • 323 Thanks
    RG2015
    I received the letter on 15th November stating they were hacked in May. I have written to them asking why they took 6 months to notify me. I have also given details of the following.
    On 17th November, I received a parking Penalty Charge Notice in respect of a car I did not own, in a car park I was not in on the date of the offence. I assumed that the Parking Company had checked the address of the car registration with DVLA. It is therefore apparent that my identity has been stolen, preumably as a result of the Equifax hack. I have therefore written to the Parking company, DVLA and the local Police. The Police referred me to Surrey Police and I have registered the report with them and Action Fraud.

    I must admit that I am now waiting with baited breath to see how else my stolen identity has been used, and concerned as to what I can do about it.
    Originally posted by Jack Maunders
    Sorry that you have been the subject of identity theft. It is a great concern for everyone who received a letter.

    Could anyone explain how the DVLA could have Jack's name and address on their database in respect of a car he does not own.
    • Doc N
    • By Doc N 27th Nov 17, 8:30 PM
    • 6,417 Posts
    • 19,309 Thanks
    Doc N
    Sorry that you have been the subject of identity theft. It is a great concern for everyone who received a letter.

    Could anyone explain how the DVLA could have Jack's name and address on their database in respect of a car he does not own.
    Originally posted by RG2015
    That does seem odd. But isn't a more likely explanation simply that for whatever reason DVLA gave the details of the wrong car?

    It does happen.
    • Steve059
    • By Steve059 28th Nov 17, 11:50 AM
    • 2,335 Posts
    • 6,158 Thanks
    Steve059
    Obvious scam letters like this are the reason I've keep my shredder in the hallway.
    If you fold it in half, will an Audi A4 fit in a Citroen C5?
    • vertex
    • By vertex 28th Nov 17, 12:39 PM
    • 104 Posts
    • 9 Thanks
    vertex
    Most people register with all three. The third one being Experian which is free via the MSE Credit Club. It is not at all overkill because not all banks use all three, particularly for searches which is always the first sign of any fraudulent activity.
    Originally posted by RG2015
    So if I sign up to Noddle and Experian too, how does this help track fraudulent activity? Will I get an email if my rating suddenly drops? Or can it go into more detail? (such as if a credit card was registered in my name).

    If my score does suddenly drops, what can I do about it? Who would I call to get it sorted?

    Thanks
    • RG2015
    • By RG2015 28th Nov 17, 12:53 PM
    • 617 Posts
    • 323 Thanks
    RG2015
    So if I sign up to Noddle and Experian too, how does this help track fraudulent activity? Will I get an email if my rating suddenly drops? Or can it go into more detail? (such as if a credit card was registered in my name).

    If my score does suddenly drops, what can I do about it? Who would I call to get it sorted?

    Thanks
    Originally posted by vertex
    I always check the searches, both mine and others' and make sure that I know why each search has taken place. Some searches are common to all three CRSs but others only appear on one or two of the CRAs.

    I am sure other MSE members will give their advice on this issue.
    • vertex
    • By vertex 28th Nov 17, 1:36 PM
    • 104 Posts
    • 9 Thanks
    vertex
    I always check the searches, both mine and others' and make sure that I know why each search has taken place. Some searches are common to all three CRSs but others only appear on one or two of the CRAs.

    I am sure other MSE members will give their advice on this issue.
    Originally posted by RG2015
    Thanks. So do you manually log into each one once a month? (Ive learnt so much since getting my Equifax letter!)
    • RG2015
    • By RG2015 28th Nov 17, 2:20 PM
    • 617 Posts
    • 323 Thanks
    RG2015
    Thanks. So do you manually log into each one once a month? (Ive learnt so much since getting my Equifax letter!)
    Originally posted by vertex
    Noddle (CallCredit) and MSE (Equifax) only update once a month. The new Equifax Protect can be updated daily and GiffGaff (CallCredit) automatically updates on login.

    Now I have the free GiffGaff credit reporting I do not need to log in to Noddle as the data is exactly the same.

    I generally log in to MSE Equifax once a month on the date it is updated. With Equifax Protect and GiffGaff, I log in once or twice a week.
    • Neil Lamb
    • By Neil Lamb 29th Nov 17, 11:45 AM
    • 1 Posts
    • 4 Thanks
    Neil Lamb
    Add me to the list !
    I got my letter today - so sign me up to the growing list of apoplectic Equifax hackees. I assume, chronologically, letters are being received in declining amount of ripped off information ( as Equifax perceive it ). My address, DOB and mobile phone numbers have supposedly been hacked - but how do I know it's not more than that ??!!
    Thank you for the contributors to this forum for making me not waste my time any further by phoning the 'hot-line'. I certainly expect financial compensation for this - it has taken me a good hour to digest fully the complex information on four sides of A4 and to check on-line that the letter itself was not a hoax ! If I were a company they'd be charging £50 administration cost for such a time input. It is only with a large regulatory fine for incompetence and substantial compensation to those affected that companies will divert enough of their profits to combat such IT breaches.
    I have to say as well though , that for those who are criminally prosecuted for hacking, the fines and prison sentences must be substantially increased as well. As we are an increasingly technology/computer based society we will rapidly fall apart if we cannot reduce the number of these cyber outrages.
    • MrAPJI
    • By MrAPJI 29th Nov 17, 12:58 PM
    • 13 Posts
    • 23 Thanks
    MrAPJI
    When I went into my local bank this morning (Lloyds), I had a chat with the chap in charge. He dismissed my concerns about this matter - felt it was quite unlikely that I would face any kind of problem. I did not agree and left feeling rather concerned about his complacency!
    • andromedean
    • By andromedean 2nd Dec 17, 12:36 PM
    • 1,351 Posts
    • 1,637 Thanks
    andromedean
    It applies very much to British customers, and I wasn't prepared to sign up to the free services while at the same time signing away my rights to take legal action against them via a class action.

    You can, however, obtain, on request, an assurance from them that it will not limit any legal rights, and that's what we've all done in this family. You never know what's round the corner, and I think this fiasco has yet to be fully played out as more and more people come to realise its impact.
    Originally posted by Doc N
    I've had a look at the T&C written well before this breach, and it's nothing like the US one, it doesn't mention the word arbitration clauses or waivers at all. Have you seen it?

    15. Our liability to you
    1. We are responsible for all loss and damage you suffer that is a foreseeable result of our breach of these Terms or our negligence. Loss or damage is foreseeable if it was an obvious consequence of our breach or if it would have been expected by you and us at the time we entered into this contract, if we had been asked what loss or damage would be suffered by you as a result of our breach of these Terms or our negligence.
    https://www.equifax.co.uk/About-us/Terms_and_conditions.html

    The US one says this

    AGREEMENT TO RESOLVE ALL DISPUTES BY BINDING INDIVIDUAL ARBITRATION. PLEASE READ THIS ENTIRE SECTION CAREFULLY BECAUSE IT AFFECTS YOUR LEGAL RIGHTS BY REQUIRING ARBITRATION OF DISPUTES (EXCEPT AS SET FORTH BELOW) AND A WAIVER OF THE ABILITY TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR OTHER REPRESENTATIVE ACTION. ARBITRATION PROVIDES A QUICK AND COST EFFECTIVE MECHANISM FOR RESOLVING DISPUTES, BUT YOU SHOULD BE AWARE THAT IT ALSO LIMITS YOUR RIGHTS TO DISCOVERY AND APPEAL
    https://www.washingtonpost.com/news/the-switch/wp/2017/09/08/what-to-know-before-you-check-equifaxs-data-breach-website/?utm_term=.cb5cea0fa0e2

    Where did you write to, this place? Equifax Limited, Customer Service Centre, P.O. Box 10036, Leicester, LE3 4FS. What exactly was their reply?

    PS look forward to the UK having this type of US agreement in the future when we can be bullied into accepting them being a small country with little clout and free of a political entity of a comparable size the EU!
    Last edited by andromedean; 02-12-2017 at 12:49 PM.
    • andromedean
    • By andromedean 2nd Dec 17, 2:08 PM
    • 1,351 Posts
    • 1,637 Thanks
    andromedean
    This weeks edition of Moneybox on Radio 4 has been discussing the Equifax data breach. No mention of waiving rights though.
    Last edited by andromedean; 02-12-2017 at 2:11 PM.
    • andromedean
    • By andromedean 9th Dec 17, 12:32 PM
    • 1,351 Posts
    • 1,637 Thanks
    andromedean
    On a related issue does anyone know how to contact Equifax by a message or Email to discuss security issues that their scans have picked up? If I keep getting directed to useless FAQs, I know they have a busy telephone line as well.
    • Mr Costcutter
    • By Mr Costcutter 14th Dec 17, 9:52 AM
    • 275 Posts
    • 647 Thanks
    Mr Costcutter
    It's good to see that this thread has gone quiet and no horror stories (to date) have been reported.

    I wonder if 'everyone' involved has now been notified!
    • BucksLady
    • By BucksLady 14th Dec 17, 5:30 PM
    • 375 Posts
    • 942 Thanks
    BucksLady
    It's good to see that this thread has gone quiet and no horror stories (to date) have been reported.

    I wonder if 'everyone' involved has now been notified!
    Originally posted by Mr Costcutter
    It seems that 'no news is good news'
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