Although the internet makes our lives easier, it is also very easy to be anonymous while using the internet. This is what the fraudsters who scam people online use to their advantage. If you follow up on world news, you might have read the case of Anthem Blue Cross Blue Shield at www.cleveland.com. Anthem had informed its customers that the website had been breached to gain access to customers’ personal information, which might have included name, Social Security number and credit card details. The breach was not discovered for about 6 months.
Following this several customers of Anthem received letters and pre-paid debit cards in-spite of not applying for one. Few people had payday loans taken out in their names, which they weren’t aware of. Identity fraud is rampant, and so are other kinds of fraud, such as utilities fraud, benefits fraud and medical fraud, and these can be undetected from credit checks till they fall into the collections process. You should be an informed customer and apply for a payday loan only at a lender who offers you Data Protection, and treats your personal information with extreme care and security.
If you want to apply for a short term loan to a secure lender or a direct payday lender, then you need to be 18 years or above of age, and have a job that pays you monthly. You should also be residing in the UK, and having a bank account with a valid debit card.