Keeping your money safe
If you suspect that your card has been used fraudulently, you should contact your provider urgently. The provider should have a 24-hour emergency helpline.
We also recommend that you call Action Fraud on +44 (0)300 123 2040 as this reports to the National Fraud Intelligence Bureau. You will then be issued with a crime reference number.
Phishing is a fraudulent activity designed to trick you into giving out your login details. These details are then used to gain access to your online accounts in order to steal your personal information. This kind of activity normally targets your bank accounts however, Student Finance England are keen to make students aware of the dangers of giving out your account details, especially in response to email requests.
Check your credit report
You can view this by checking with a credit reference agency such as Experian, Equifax or ClearScore. They record the amount of credit that has been issued under your name.
If a fraudster was to try and gain credit under your name, this will be highlighted in your credit report.
Remove risky details that are online
Be careful about the amount of information that you put about yourself online. Fraudsters can use this to try and apply for credit in your name.
The type of information they can use includes details such as your full name, date of birth and any part of your address. Check your Facebook or Twitter profiles to make sure you are not giving away too much information about yourself. Also, take extra care when using computers that are in a public space such as a library or internet café. Don't leave bank cards around or give them to someone else to use. You should also shred any documents with personal details on, such as bank statements.
Check out the video below, which shows how easy it can be to gather information from your social media accounts.
Know your rights
If you feel you have lost money due to fraud, contact the Financial Conduct Authority on 0800 111 6768.
It is important to act as quickly as possible if you think you have been a victim of fraud.