身元 窃盗 is にわか景気ing, so can you be sure you're not a clone?

By Jo Thornhill
Updated: 22:12 BST, 25 September 2010

Bank 顧客s are 存在 勧めるd to be more vigilant than ever after a 殺到する in 身元 詐欺. Almost 300 people a day fell 犠牲者 to the 罪，犯罪 in the first half of the year.

It has 現れるd that crimin al ギャング（団）s in eastern Europe are 的ing British online bank 顧客s, using computer ウイルスs to 切り開く／タクシー／不正アクセス into bank systems and steal from accounts.

Jemma Smith of UK 支払い（額）s, which 代表するs the 支払い（額）s 産業, says: ‘Fraudsters are often one step ahead. But 消費者s can take steps to 保護する themselves and 減ずる the 危険s.’

的: John Dawe has been the 犠牲者 of 身元 窃盗 six times in four years

Online bank 詐欺

詐欺 against online bank 顧客s 殺到するd 14 per cent last year and costs banks almost £60 million a year. UK 支払い（額）s 非難するs a rise in ‘ phishing’ attacks (see below) and ギャング（団）s using ‘malware’ to 切り開く／タクシー／不正アクセス into accounts. Malware can be 任命する／導入するd on a computer without the owner’s knowledge, typically when they click on an email link or download ソフトウェア.

保護（する）／緊急輸入制限s: 任命する／導入する anti-ウイルス ソフトウェア and a firewall on your computer to 封鎖する rogue ソフトウェア. Know who you are 取引，協定ing with online. The banksafeonline.org website 申し込む／申し出s useful tips.?

Phishing

This is when fraudsters send a 偽の email 趣旨ing to be from a bank or other 会・原則 hoping to trick 消費者s into 公表する／暴露するing （警察などへの）密告，告訴（状） such as passwords and PINs through a 偽の website.

保護（する）／緊急輸入制限s:? Never 公表する／暴露する personal （警察などへの）密告，告訴（状） in an email or through a website. If in 疑問, ignore the email and tell your bank.?

身元 窃盗

All a fraudster needs to 適用する for a credit card or 貸付金 is your 十分な 指名する, 演説（する）／住所 and date of birth.

As this （警察などへの）密告，告訴（状） is often in the public domain and easily accessible online it can be difficult to 封鎖する, but taking care with personal （警察などへの）密告，告訴（状） can minimise 危険s.

If you’re a 犠牲者 of ID 詐欺, tell your bank and card providers. Get a copy of your credit とじ込み／提出する to check what has been taken out in your 指名する.

For John Dawe, 50, who 作品 for an 投資 house, checking his credit とじ込み／提出する has become 決まりきった仕事. John, who is married with three children and lives in south-east London, has been the 犠牲者 of ID 窃盗 six times in four years.

Last time, a crook 適用するd for a bank account then took out two 動きやすい phone 契約s in John’s 指名する. ‘The first I knew of it was when I received 需要・要求するs from 動きやすい phone companies I don’t use,’ says John.

‘It took a while to unravel and speak to someone who could sort it out. I didn’t lose any
money, but it was a hassle. I live in dread it is going to happen again. Keeping a の近くに 注目する，もくろむ on bank 声明s and checking my credit 報告（する）／憶測 is the only way to stay on 最高の，を越す.’?

保護（する）／緊急輸入制限s:? Keep personal 文書s such as your パスポート and driver’s licence 安全な. Check your credit とじ込み／提出する 定期的に. It costs £2 from any of the three credit 言及／関連
機関s ? Experian, Equifax and Callcredit. Your credit とじ込み／提出する will show any 使用／適用s for accounts or credit in your 指名する.?

Card 詐欺

Every time we use plastic cards in a cash machine, shop or restaurant, we are at 危険 of 詐欺.

Lost or stolen cards used by 犯罪のs on the phone or online remain one of the biggest problems, 急に上がるing from 16 per cent of total card 詐欺 in 1999 to 60 per cent last year. 半導体素子 and PIN 科学（工学）技術 has 減ずるd 詐欺, but ギャング（団）s are still making 偽造の cards.

保護（する）／緊急輸入制限s: Never 令状 負かす／撃墜する your PIN. Don’t let cards out of your sight when 支払う／賃金ing. 保護物，者 your PIN at the cash machine and if an ATM looks like it has been tampered with, don’t use it.

Click on ‘search’: The result may shock?

A quick internet search can 明らかにする／漏らす if you are at 危険 of bank card 詐欺.

One 犠牲者 typed his home 演説（する）／住所 into Google and was horrified to find his 詳細（に述べる）s on a ロシアの website used by hackers.

Steve Holland’s 指名する, 演説（する）／住所, card number, expiry date and 安全 code were all online and 明白な to fraudsters 世界的な.

Two days earlier, Steve’s bank card was fraudulently used online to buy an £88 動きやすい phone. It was 配達するd to his home instead of an 演説（する）／住所 given by the fraudster. He
設立する later that his 詳細（に述べる）s had also been used to buy goods 価値（がある） £235 online from Sainsbury’s.

‘It’s ありふれた knowledge that websites in eastern Europe are the source of many of the 安全 漏れるs,’ says Steve, 48, a freelance 新聞記者／雑誌記者.

‘Even so, I was shocked when my 指名する （機の）カム up like that. I 設立する that the website had all sorts of tips and advice on committing card 罪，犯罪.’

Steve, from east London, 追加するs: ‘I saw the card 詳細（に述べる）s of almost 3,000 people in Britain and the US.’