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Protect your identity from theft

Simple steps to stop identity fraudsters

Identity theft

Identity theft is a type of fraud whereby someone uses your name and personal information to open new accounts or take over your existing account for financial gain. Apart from the inconvenience and potential cost, identity theft can also result in damage to your credit rating – making it difficult to get loans, credit cards or mortgages until the matter is sorted.

There are a number of easy ways you can help to protect yourself from identity theft and fraud:

Check your Account regularly

• Get in the habit of checking your statements thoroughly. This is easy to do with our online services where you can check your
   transactions daily, anytime and virtually anywhere in the world. Learn more
• Switch to paper-free statements and view your Account online. By avoiding paper statements going through the post or not being
   disposed of properly, you can guard against identity theft. Learn more
• Register for Card alerts, which monitor your Account with weekly updates via email or texts. Learn more
• Keep copies of your receipts and compare them to your statement
Contact us as soon as possible if an unrecognised charge or charges appear on one of your online/paper statements.

Keep your Card safe

• Never let anyone else use your Card
• Immediately sign the back of new Cards
• Always destroy old, expired Cards by cutting them up
• Let us know immediately if you've lost your Card, or think it may be stolen. We will then be able to cancel the Card and help prevent
   fraudulent transactions.

Protect your PIN

• Never keep your PIN in your wallet, purse or diary, or record it in a way that others could understand
• Do not tell anyone else your PIN
• Always try to cover your hand when entering your PIN at a terminal or ATM to prevent hidden cameras or others seeing your

How to protect yourself from identity theft

• Safeguard all your personal information and documents - this information can be used to steal your identity
• Shred any sensitive information from financial organisations or utility companies when no longer needed
• Review your credit reference report (see agencies below) regularly; this may be the earliest way to spot fraudulent activity when
   you are the victim identity theft. Please note there may be a charge for this.

Credit Reference Agencies

Equifax PLC
Credit File Advice Centre
P.O. Box 1140
0870 010 0583

Experian Ltd.
Consumer Help Service
PO Box 9000
NG80 7WP
0870 241 6212

Callcredit PLC
Consumer Services Team
PO Box 491
0870 060 1414

See how else we protect you.

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