It seems that every day there’s another story about a data breach, with innocent people the world over having their personal information released online – so would you know what to do if you were a victim?
This is the time of year where you need to be more aware and tech-savvy than ever as opportunists are ready to take any chance they get but if you are unlucky enough to be a victim of a data breach or a hack, what should you do next?
Determine what was stolen
When it comes to a data breach your data falls into three different categories;
Least sensitive – your name and address, which alone won’t cause much of a problem, after all the same information was printed in good old telephone books.
More sensitive – e-mail addresses, date of birth and credit/debit card numbers, which can result in spam and fraudulent charges.
Most sensitive – credit/debit card security codes and online banking passwords, which could result in large-scale theft.
Call the relevant people
If your payment information has been compromised, call your bank immediately to limit your liability for fraud. They will not only flag the fraud risk on your account, which will alert them to any suspicious activity but they’ll also cancel your cards, making the fraudster’s information useless.
Contact the credit report agencies to prevent any future fraud. Alert the three main agencies; Call Credit, Experian and Equifax who will add a fraud alert to your account which will ensure credit isn’t fraudulently taken out in your name.
Alerting the credit agencies will also prevent any future attacks, relating to this incident, from affecting your credit ratings.
If you are sure you have been the victim of fraud then contact Action Fraud on 0300 123 2040 or visit the Action Fraud website.
Change your passwords
As soon as you discover your information has been compromised it is essential to change your password. If you are like millions of other people in the UK it’s unlikely you use a different password for every different account you have, so it might be worth changing all accounts which use that password just in case. But learn your lesson and keep them completely separate moving forward.
If you don’t think you’re going to remember separate passwords for all your different accounts, it’s worth investing in a password manager.
Chase it up
Make sure you complain to the company involved in the data breach, not least so they are aware – in some cases, they only know there’s a problem when someone tells them about it.
It’s also important that they know the distress caused as well as any financial losses incurred – all which can be reclaimed as part of a compensation settlement.
You should also put in a formal complaint to the Information Commissions Office (ICO) who will be able to confirm that the Data Protection Act was breached.
If you cannot agree on a settlement and the ICO back your claim then you should consider taking the company responsible for the data breach to a small claims court.
Following any kind of data breach, or a suspected one, you should always remain vigilant because an attack is not always imminent. Sometimes hackers can keep hold of the data and strike when people least expect.
Regular checks of your bank account and credit score will flag up any potential problems but if you do spot anything suspicious contact your bank and Action Fraud immediately.