Debt - In N. Ireland

I think someone may be using my credit card details without my knowledge. What can I do about it?

This information applies to England, Wales and Northern Ireland

You may be a victim of identity theft. This is a type of fraud which takes place when someone you don't know gets hold of your personal details and uses them to access your account.

If you have been a victim of identity theft and your card is still in your possession, you will not have to pay for anything bought on it without your permission. If your card has been stolen, the most you will have to pay is £50, unless it can be shown that you have acted fraudulently or without reasonable care, for example by keeping your PIN number written down with your card.

You must act quickly: contact your credit card company straight away, keep a record of all conversations you have with them, and copies of any letters sent or received; and report the matter to the police, and get a crime reference number.

For more information and advice about credit card fraud and identity theft, go to www.cardwatch.org.uk, or to the Home Office website at: www.identitytheft.org.uk.

Other Frequently asked questions about debt:

• My debts are getting out of control and I can’t possibly pay them all. What can I do?
• I have been refused credit to buy a new washing machine. What can I do?
• I am going to live on my own for the first time and am worried about how to manage my budget. What can I do to prevent getting into debt?
• A bank that I do not normally deal with has contacted me to chase an outstanding debt. I think I may be a victim of identity theft. What should I do?