found old cheque book - how to dispose of it?

LongTermLurker

opinions4u wrote: »

I won't answer the question directly as it would give inappropriate ideas to the less trustworthy readers of this board.

Believe me, "they" can do damage with the details, especially when combined with a rummage through the contents of your dustbin while you're out earning a living.

If it has names, addresses or numbers on it, get it shredded when you wish to dispose of it.

I think there's two things being said here - littlevoice seems to be talking specifically about the chequebook, whereas you're talking broader. Also, the less trustworthy readers will already have a good idea what to do already...

To littlevoice, OP says she (must be she looking at the name :rolleyes:) is still paying off the account, so the account number and sort code are still valid. Also, cheques remain valid for up to 6 months (legally up to 6 years, but banks usually drop them after 6 months) and the information would remain useful for a length of time afterwards.

I find complacency hard to swallow in this day and age. For £10 your identity isn't worth arguing about - this is one case where you should believe the hype (to a degree). Just do it - buy a shredder and shred away (you never know, you might like it ). Discussing the potential for fraud isn't worth the time and hassle.

littlepinkstars44

LongTermLurker wrote: »

I think there's two things being said here - littlevoice seems to be talking specifically about the chequebook, whereas you're talking broader. Also, the less trustworthy readers will already have a good idea what to do already...

To littlevoice, OP says she (must be she looking at the name :rolleyes:) is still paying off the account, so the account number and sort code are still valid. Also, cheques remain valid for up to 6 months (legally up to 6 years, but banks usually drop them after 6 months) and the information would remain useful for a length of time afterwards.

I find complacency hard to swallow in this day and age. For £10 your identity isn't worth arguing about - this is one case where you should believe the hype (to a degree). Just do it - buy a shredder and shred away (you never know, you might like it ). Discussing the potential for fraud isn't worth the time and hassle.

thanks the book is dated 2005 lol, i have ripped it up!

littlepinkstars44

opinions4u wrote: »

Buy one.

You should destroy all documents with name or address or banking/account details on.

http://direct.tesco.com/q/R.202-8140.aspx

Excellent protection against identity fraud.

omg honestly i never rip anything up, and just chuck it al in the bin. I never keep any statements or anything, hardly even even open them!

LongTermLurker

littlepinkstars44 wrote: »

omg honestly i never rip anything up, and just chuck it al in the bin. I never keep any statements or anything, hardly even even open them!

all I'll say is that name + address + account number = you

bank statement + utility bill = you

my loan application + you = your problem + my gain

Extant

Fraud's awesome. It keeps me in a job.

Leave the chequebook lying in the street. It'll eventually rot and disappear.

Right?

littlepinkstars44

BarclaysManager wrote: »

Fraud's awesome. It keeps me in a job.

Leave the chequebook lying in the street. It'll eventually rot and disappear.

Right?

huh? what?

littlepinkstars44

LongTermLurker wrote: »

all I'll say is that name + address + account number = you

bank statement + utility bill = you

my loan application + you = your problem + my gain

urrm...what?

LongTermLurker

littlepinkstars44 wrote: »

urrm...what?

I mean if I (or someone else) have any combination of your name, address, bank details (or the bank statements you throw away every month, which contain all of the above) then I can become you. Whenever you need credit, the first thing they ask for is a recent bank statement and a utility bill.

If I become you, I can take out debt in your name. Then I have the new car and you have the £20,000 loan to pay off - which you may not be able to pay off, so you'll find yourself in dire straits for years to come (and I don't mean making money for nothing - or do I? :rolleyes:)

All I'm saying is that if you don't want to protect your identity, someone will be happy to use it to their advantage.

BM was being sarcastic, suggesting that leaving yourself open to fraud gives him a reason for being "BarclaysManager" - it's not hard to work out what his job probably is.

Extant

LongTermLurker wrote: »

BM was being sarcastic, suggesting that leaving yourself open to fraud gives him a reason for being "BarclaysManager" - it's not hard to work out what his job probably is.

Yeah, I'm a UK Banking Risk Operations Management Executive. You'd have to be a fool if you couldn't guess that... ;D

littlepinkstars44

ok still no idea what your goin on about, it's gone now anyway