And ultimately YOU foot the bill because the interest rates go up because
the credit card companies will still want their profit!
Cliff
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-------Original Message-----
--From: This list is for those interested in Data Protection issues
--[mailto:[log in to unmask]] On Behalf Of Carter, Antoinette
--(KIS)
--Sent: 04 March 2005 14:46
--To: [log in to unmask]
--Subject: Re: [data-protection] Identity Theft - Nightmare scenario
--
--I have read all today's comments re: identity theft with great interest,
--but think that there are two main reasons why I really don't worry about
--being a victim of identity theft, or someone fraudulently using my
--credit cards etc. and they are:
--1. That "a fool and his money are easily parted" and there are so many
--fools in this world that do stupid things like tell any Tom, Dick or
--Harry that calls their house their bank details, that minor vigilance on
--my part is sufficient to deter people on to the next sucker instead.
--And,
--2. That I know that ultimately it is the credit card companies who foot
--the bill for the fraudulent use of my card (as long as I have sticked to
--the T&Cs of use, and not been negligent) and not me. I think all the
--scare-mongering in the press over identity theft is fanned by the huge
--financial institutions whose profits are under attack, but who are
--unwilling or unable to instigate more stringent (and therefore less
--convenient) security procedures for fear of reducing Joe Public's
--reliance on their flexible friends, which would reduce the linings of
--their pockets.
--Friday rant over........
--
--
-------Original Message-----
--From: This list is for those interested in Data Protection issues
--[mailto:[log in to unmask]] On Behalf Of Talbot Richard
--Sent: 04 March 2005 14:21
--To: [log in to unmask]
--Subject: Re: [data-protection] Identity Theft - Nightmare scenario
--
--It's so easy to collect this information from people, for example those
--nice
--direct debit blaggers that hang around the streets and work for a
--different
--charity each day. We all assume they work for a recognised charity and
--not
--for themselves. Well on the street you give them your bank details and
--home
--address, your date of birth and I have been told they also ask for you
--credit card details just in case the bank refuses the direct debit.
--
--
--Richard Talbot
--Data Protection Adviser
--
--
-------Original Message-----
--From: This list is for those interested in Data Protection issues
--[mailto:[log in to unmask]] On Behalf Of Tim Trent
--Sent: 04 March 2005 08:10
--To: [log in to unmask]
--Subject: [data-protection] Identity Theft - Nightmare scenario
--
--Now I know Identity Theft is fats becoming a media buzzword. I saw the
--survey that says that one in four of us "Has had their identity stolen"
--or
--"Knows someone who has had theirs stolen". I laughed at the second
--element
--because I thought it was like the people who know someone who knew the
--person who microwaved her poodle to dry it after a walk. I think I have
--joined that one in four. A few things conspired to make me think it may
--well be much more serious that the TV programmes have shown us
--
--TV last night showed a programme on traffic wardens and their "secure"
--disposal of credit card details in a wheelie bin that often overflowed.
--The
--news item about "one in four of us" germinated and sprouted. And I was
--contacted by someone who had been arrested because his credit card
--details
--appeared in 2003 on a Danish web site that touted illegal and deeply
--unpleasant imagery and was scared witless because he had never been
--there,
--but had, not unreasonably, had his home entered and a great deal of
--potential evidence seized for examination. I am not going into the
--morals
--here. He is either guilty or innocent.
--
--But it struck me forcibly how easy it is for someone to do this to
--someone
--else. To anyone else. For me to do to you or you to do to me.
--
--To do it to you I just have to visit that wheelie bin and get your card
--number and name (and I have your address because it's there, on the
--paperwork), the expiry date and that three digit number that I am told
--is
--intended for web transactions but that every phone based business
--records as
--well. Then I look for the material I want, probably by cruising in a
--car
--with a laptop until I find an insecure wireless network to log in
--through,
--which will make the IP address a random person's. It could even be
--yours at
--home. Then I put your credit card details into
--"averynastyplaceindeed.com"
--(it didn't exist this morning, but I bet someone registers it by this
--afternoon) and download the stuff that the police will later arrest you
--for.
--
--It may never appear on your credit card statement, either. There may
--actually be no charge (yeah, right!). But, if it does, it will slip
--under
--your radar because the sum will be named something innocuous.
--
--A reasonable question here, and I expect we have a financial institution
--or
--so on this list to help answer it, is how can the ordinary person know
--that
--this has happened (until the 6am knock on the door, of course. I
--understand
--one notices that in a highly stressful manner), how can they protect
--themselves from it, and most importantly, how can they defend themselves
--against it?
--
--
--
--Tim Trent - Consultant
--Direct: +44(0)1344 392644 Mobile:+44(0)7710 126618
--email: [log in to unmask]
--<blocked::mailto:[log in to unmask]>
--Marketing Improvement Limited, Abbey House, Grenville Place, Bracknell,
--United Kingdom, RG12 1BP <blocked::http://www.marketingimprovement.com/>
--http://www.marketingimprovement.com
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