If you discover identity fraud it’s important to act quickly.
You should contact your lenders immediately who can stop further spending and start a fraud investigation.
Helpful things to do if you think you’re a victim of fraud:
- Immediately report any lost or stolen cards or documents to those that issued them.
- Check your credit report for unrecognised information.
- If your passport or driving licence is lost or stolen, report it to the authorities ASAP.
- Inform your bank of your concerns so they can monitor your account more closely.
- Contact ActionFraud - the UK’s national fraud and internet crime reporting centre (http://www.actionfraud.police.uk/).
- Keep a record of all your calls, letters and emails connected with the fraud. Banks, financial institutions and government organisations are used to dealing with cases of identity fraud and will try to help you sort things out as quickly as possible.
You can ask CIFAS - the UK's fraud prevention service – to place a 'Protective Registration' warning on your credit file. This can be done for a fee of £20. This warning will alert banks and lenders to the fraud, and they will then take extra care when dealing with applications and accounts you do not know about: https://www.cifas.org.uk/