For once this is exactly what it says on the tin. I’m talking literally. I have never before been the victim of identity theft, but a few days ago my credit/c company phoned me to ask about a suspicious transaction. It was over a grand. They hadn’t let it go through so there was no real harm and they cancelled the card and are sending a new one. I thought that was the end of it.
Then, yesterday, I go to the ATM to draw some money on my other c/c (I only have the two and use them for small transactions). Machine tells me “insufficient funds”. Now my heart starts to race because I’ve not spent anywhere near my limit and the first incident suddenly looks much more ominous.
I get home and log on to my account. It’s in the minus. One transaction near £2000 and another, as yet not gone through, for a similar amount. The second one has probably not been authorised because my credit limit is really not that high, but my account has big red letters ordering me to pay immediately.
I’ve phoned the second c/c and explained it so it’s logged now, but I have no idea what happens in these cases. I’m feeling stressed about it because a) I don’t know if it is a straightforward process to get the 2nd company to believe I didn’t order the transaction (it was a balance transfer) and b) this isn’t just one random breach on one card – it’s someone who has my details and knows where I have credit. This freaks me out because I can’t think how someone would get that information.
I now have no credit as my cards are cancelled, but I’m more concerned to know how it happened and if I need to do something to stop it happening again. I shred my post, but I do a lot of internet shopping, so whether that’s to blame???
I’m trying not to get panicked but I feel a little violated and I don’t really know of anyone else who this has happened to.