Clarkson does U-turn on ID fraud

by Money Doctor Thursday 10 January, 2008

Jeremy Clarkson; you either love him or hate him and he certainly knows how to create a stir; normally by saying something controversial or destroying vehicles.

It is also no surprise that humble pie is not Jeremy Clarkson's favourite dish; but he's eating it now, after dismissing the idea that identity fraudsters could use lost financial data covering 25 million recipients of child benefits, to steal other people's identities.

A direct debit for £500 a month has been set up on his bank account, after he printed the account number and sort code in his column in the Sun; but whoever manipulated his personal information has a Robin Hood streak and has sent the multi-millionaire Top Gear presenter's money to the British Diabetic Association.

"I brought it on myself; I was wrong and I have been punished for my mistake," he now admits, having argued that anybody receiving a cheque and looking up the electoral roll could extract precisely the same data that was on the computer discs lost when Revenue and Customs consigned them to the post last year.

Clarkson now advocates "going after the idiot who lost the discs and sticking cocktail sticks in their eyes"; (which is a fairly understandable reaction) but the professionals whose business it is to help us protect our identities have rather more practical suggestions!

Jim Hodgkins, managing director of CreditExpert, the online credit monitoring and identity fraud protection service from Experian commented on Clarkson's cock up:

"Identity fraud is one of Britain's fastest-growing crimes. It costs the country billions of pounds a year; and that is no joke. Jeremy Clarkson is lucky that only one prankster set up a charity donation, fraudsters could have victimised him and transferred more funds to difficult to trace accounts causing him serious financial damage."
"Most identity thieves will use your name and details to get cash, goods and services, so it's really important to check all your statements carefully. The Home Office also recommends monitoring your credit report (the personal history of your credit) from cards to loans, mortgages and even utility and mobile phone accounts, for unfamiliar accounts and applications."
Other common sense precautions include:

- Never give personal data, such as your bank account details, to strangers or cold callers, in response to e-mails; and don't publish them in newspapers!

- Shred sensitive documents before throwing them away

- Memorise PINs and passwords; never keep them with credit cards or bank account information and never share them

- Don't carry important documents, such as your passport or driving licence, unless you absolutely need them.

- Get mail forwarded for at least a year when you move house and report missing post as soon as you are aware that it is not getting through; it could have been diverted

- Register on the electoral roll at your current address; it helps to prevent fraudsters from impersonating you and pretending you live elsewhere

- Regularly check your credit report to ensure that no fraudulent accounts have been set up in your name.

We also think it's a pretty good idea to check your credit report for free with a 30-day trial of CreditExpert.

This will also alert you by text or e-mail every time there is a significant change to your credit report that could indicate an attempt at identity fraud.

In addition, if you are looking for a bit of ID protection on your credit card then both Capital One's and Barclaycard's credit card range offer a free ID fraud protection service and helpline if you have one of their cards.

Most importantly this applies whether the fraud's on their card or anything else; including other cards.

Even better, you never actually need to use the card to get the protection! So simply get one of these cards, even if you won't use it.

For a more detailed explanation and pros and cons of both cards see below:

Capital One Cashback with World MasterCard

Further information

Apply

Barclaycard Platinum Credit Card with Cashback

Further information

Apply

Source: © Experian/Credit Expert 2008

Oops Customs did it again!

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Comments

Nick Cartwright says:

Friday 11 January, 2008 / 20:01

So do we need to stop using cheques for payment now or should the banks remove our details from them? We are all just lambs to the slaughter and there is not much point worrying yourself into an early grave about it. I suppose we could go live in the Amazon rain forest and keep our cash in a hollow tree.

Michael Cooper says:

Friday 11 January, 2008 / 21:01

Clarkson is an arrogent prat and deserves all he got.  He was lucky that he wasn't cleaned out.

Joan says:

Saturday 12 January, 2008 / 15:01

JC did an experiment - it failed. Get over it. Most of us either wouldn't know how to create fraud from such details or have the nerve. Where there's a will, there's a way, it would seem. Regards cheques, absolutely - we've been throwing cheques stubs and cancelled cheques away for a long time and no problems so far, but in light of how fraudulent we all appear to be becoming then perhaps it is time to dispense with cheques altogether - what purpose do they serve these days other than to allow an extra three days before handing over the cash?! A big bank recently 'lost' £10,000 of a colleagues money here in the UK whilst he was away in Spain. They informed him but it took him 3 months to get it back and a load of hassle. Seems we needn't worry about losing our details if the bank can lose our money for us!!!

Lee Skills says:

Thursday 17 January, 2008 / 09:01

I have been telling people for years not to carry their photo driving licence with them in their wallet because it has all the details printed on it to allow a fraudster needs and most people carry it right next to their credit cards I call that looking for trouble,

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