For the third time this year Talk Talk have been hit with what appears to be cyber attacks which have resulted in customer data being taken. I am not going to talk about the rights of customers to terminate their contracts as a result of this issue, as i believe it would be premature to do so while facts are still emerging about what has actually happened. However, i would merely say to consumers that if they want to leave the Talk Talk service then the starting point i would suggest would be the contract which they signed up to as it will most likely deal with termination.
It is clear that customer data has been compromised, so Talk Talk customers need to be pro active at this stage. I would advise anyone who believes their data could have been compromised to do the following
- Contact your bank and tell them, follow this up in writing to the bank if you do tell them over the phone.
- Register for a credit reference service such as Experian Equifax or Noddle and more importantly monitor your credit file for any unexpected activity, when someone applies for a loan the bank will normally search the credit file, these searches should appear on the credit report, so could act as an early warning of third party activity.
- Monitor your bank account carefully, the same with credit cards, if your credit card is used without your permission then you should not be required to pay for any transactions.
- If you receive a call from people purporting to be from Talk Talk asking you for your bank details or asking you to let them have access to your computer via a piece of third party software such as team viewer, or if you are in any way suspicious about the call then end the call straight away and call Talk Talk back on the number which appears on their bill or letter heads. My father in law will not speak to these companies any more over the phone unless he calls them, it may cost a little more but as he says ” he knows hes speaking with the right people when he dials the number”
- If you come across anything suspicious report it to Action Fraud
- If you suffer any losses as a result of the breach then make sure you document everything carefully as you may be entitled to compensation under the Data Protection Act 1998.
- Be vigilant and above all keep an eye on your credit card statements bank statements etc