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Identity Theft

Identity theft is when your personal details are stolen and identity fraud is when those details are used to commit fraud.

Identity theft

Identity theft happens when fraudsters access enough information about someone’s identity (such as their name, date of birth, current or previous addresses) to commit identity fraud. Identity theft can take place whether the fraud victim is alive or deceased.

If you’re a victim of identity theft, it can lead to fraud that can have a direct impact on your personal finances and could also make it difficult for you to obtain loans, credit cards or a mortgage until the matter is resolved.

Identity fraud

Identity fraud can be described as the use of that stolen identity in criminal activity to obtain goods or services by deception.

Fraudsters can use your identity details to:

  • open bank accounts
  • obtain credit cards, loans and state benefits
  • order goods in your name
  • take over your existing accounts
  • take out mobile phone contracts
  • obtain genuine documents such as passports and driving licences in your name.

Stealing an individual’s identity details does not, on its own, constitute identity fraud. But using that identity for any of the above activities does.

The first you know of it may be when you receive bills or invoices for things you haven’t ordered, or when you receive letters from debt collectors for debts that aren’t yours.

For further information and advice about how to protect yourself against identity fraud please click this link to the Action Fraud website.

MBS Lending Limited is authorised and regulated by the Financial Conduct Authority. MBS Lending Limited is registered on the Financial Services Register under number 460654.

Registered address: Mutual House, Leicester Road, Melton Mowbray, Leicestershire, LE13 0DB. MBS Lending Limited is a company registered in England under Company Number 6007144. MBS Lending Limited is a subsidiary of Melton Mowbray Building Society.

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