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Identity Theft Skeptic Ends Up As Fraud Victim

An anonymous reader writes "British TV host Jeremy Clarkson recently wrote a newspaper editorial ridiculing the uproar that had occurred after the British government admitted to losing two compact discs containing the personal information on 25 million people. To support his claim about the overhyped risks of identity theft, he published his bank account information in the article. Proving that some identity thieves have a sense of humor, a week later, he found out that someone had set up an automatic bank transfer for $1000 to a diabetes charity from his account. This comes less than a year after the CEO of LifeLock, an identity theft protection company which publishes the CEO's social security number on its website, himself was a victim of financial fraud. Back in July of 2007, a man in Texas was able to secure a $500 loan from a payday loan company using the CEO's widely publicized SSN. Will this latest incident finally prove that identity theft is real, and that publishing your own financial info is an invitation for fraud?"

388 comments

  1. Poetic justice by nullCRC · · Score: 4, Funny

    Plain and simple.

    --
    Vescere bracis meis.
    1. Re:Poetic justice by Naughty+Bob · · Score: 5, Funny

      I like the scam they pulled, but to be truly poetic, the bank transfer should have gone to Friends of the Earth. Anyone who knows of Clarkson will understand.

      --
      "Be light, stinging, insolent and melancholy"
    2. Re:Poetic justice by modecx · · Score: 2, Funny

      I like the scam they pulled, but to be truly poetic, the bank transfer should have gone to Friends of the Earth. Anyone who knows of Clarkson will understand.

      Hahah, no kidding!

      --
      Constitutional rights may be respected, repealed, or modified; but they must never be ignored.
    3. Re:Poetic justice by Jeremiah+Cornelius · · Score: 1

      I'd like to call it "Top Gear" justice!

      --
      "Flyin' in just a sweet place,
      Never been known to fail..."
    4. Re:Poetic justice by Anonymous Coward · · Score: 0

      Any explanation for those of us across the Atlantic from all things Limey?

    5. Re:Poetic justice by blorg · · Score: 5, Informative

      Any explanation for those of us across the Atlantic from all things Limey?
      Clarkson presents Top Gear, a very popular BBC motoring show, and is well known for his skepticism of all things hippie or environmental.

      You may appreciate his views on America (choice quote 'when being chased by a gang of rednecks': "I honestly believe that in certain parts of America now, people have started to mate with vegetables.")
    6. Re:Poetic justice by andreamer · · Score: 1

      Thanks, and what might explain why they picked a charity for diabetes?

    7. Re:Poetic justice by bchernicoff · · Score: 1

      The key words there are "certain parts". Have you ever been to those parts of the country? He's probably right. I say this as someone born and raised in Oklahoma and who has spent some time in Biloxi, Miss.

    8. Re:Poetic justice by cHiphead · · Score: 4, Funny

      That sumbitch bettar stay outta our Amer'ca or we'll kick his r'mainin good teeth owt!

      I bet he's a terrist too!

      --

      This is my sig. There are many like it, but this one is mine.
    9. Re:Poetic justice by Anonymous Coward · · Score: 0

      How can you not have heard of Jeremy Clarkson????!!!!! What part of the country do you come from?

      Oh, I see - you must be a foreigner.

    10. Re:Poetic justice by Torvaun · · Score: 1

      How astute of you, figuring out that he was a foreigner with nothing more than his statement that there is an ocean between him and Great Britain. Very clever indeed. Do you live on Baker Street, perchance?

      --
      I see your informative link, and raise you a pithy comment.
    11. Re:Poetic justice by blorg · · Score: 5, Informative

      Thanks, and what might explain why they picked a charity for diabetes?
      I don't know why they picked diabetes; I was explaining the comment about why they should have chosen Friends of the Earth. Clarkson is a notorious anti-environmentalist. A lot of what he says and does is posturing - he's deliberately offensive to goad a reaction out of people, but there is a certain segment of the British public that laps up anything the man says as gospel (a segment not unlike the rednecks mentioned above ;-)

      On the flip side, a recent episode of Top Gear featured the presenters in a race across London- by car, bicycle, public transport, and speedboat on the Thames. Of course the bike won...
    12. Re:Poetic justice by _xeno_ · · Score: 1

      Some version of Top Gear (with parts edited out, mostly to squeeze in the US standard amount of advertising) is broadcast about a year out of date in the US on BBC America. It's on several times during the week. (Currently Mondays at 8PM ET and again on Saturday at some time that TiVo knows and I don't.)

      So if you're in the US and you get BBC America, watch it, it may be the funniest show on TV! The only issue might be minor differences between US and British English, but anyone who can't figure that out probably was spawned by human/vegetable interbreeding.

      There's also a rumor that the a mildly edited version of the original Top Gear might be picked up by the Discovery Channel, which is more widely available than BBC America. But so far, nothing on that front.

      --
      You are in a maze of twisty little relative jumps, all alike.
    13. Re:Poetic justice by Quiet_Desperation · · Score: 1

      I love the show, but...

      1. They seem to shoot down any car that cannot perform on a professional race track like a professional race car. The concept of a practical "street car" seems to be beyond them for some reason. There was one where they raced an off the rack Mustang (designed for street and open road driving) against some sort of Lotus specifically designed and tuned for twisty, high speed driving. WTF? Will they be pitting a Formula 1 car against a Dodge Nitro next?

      2. There's also gleeful propagation of the "if the technology in the car is more than seven hours old it sucks" meme that has turned todays autos into gold mines for service station because no one can fix their own bloody cars anymore.

      So, really fun show, but their attitudes toward cars is a bit blinkered.

    14. Re:Poetic justice by Malevolyn · · Score: 2, Funny

      He obviously doesn't use the internet for its intended purpose, otherwise he'd know people DO mate with vegetables.

      --
      Your ad here.
    15. Re:Poetic justice by Anonymous Coward · · Score: 0

      So, really fun show, but their attitudes toward cars is a bit blinkered.
      I hate car programs. I'd never watch one willingly in my own life...
      But I watch Top Gear every time. Too bad about all the mention of cars, all the rest is really great.
    16. Re:Poetic justice by teh+kurisu · · Score: 2, Interesting

      I can refute both your points by referring to the episode where Clarkson declared the Peel P50 to be the best car in the world. A bit of an extreme case, I'll admit, but they also have good things to say about a lot of regular cars (for example, the modern Fiat Panda), as long as they can turn it into an entertaining segment. They refer to the Ford Mondeo as a very good car, but it's rarely mentioned because it's just not entertaining.

    17. Re:Poetic justice by rkww · · Score: 2, Informative

      > Thanks, and what might explain why they picked a charity for diabetes?

      According to Computing magazine, it's because "Diabetes UK ... did not require a signature to set up a standing order."

    18. Re:Poetic justice by rtb61 · · Score: 1
      The attitude towards cars is typical for mass media, sell cars, new better than last years cars, with power speed and handling that is illegal to use on public roads but that will make you attractive and desirable to the opposite sex and give you bigger genitals to boot ;).

      It is always amusing to see people, caught out commenting on technology that clearly do not understand. Media personalities once they know a little about one subject, they start to believe their own B$ PR and become an expert in every subject, well, at least in their own minds.

      --
      Chaos - everything, everywhere, everywhen
    19. Re:Poetic justice by mcpkaaos · · Score: 4, Funny

      his r'mainin good teeth

      He's British.

      --
      It goes from God, to Jerry, to me.
    20. Re:Poetic justice by It'sYerMam · · Score: 1

      Yep, just remember it's entertainment - it's really not supposed to be taken seriously.

      --
      im in ur .sig, writin ur memes.
    21. Re:Poetic justice by Bloater · · Score: 2, Informative

      And nor did his bank. That is the frightening bit. I give my bank details out to people such as letting agencies for credit checks, employers.

      If my bank is just like his then they'll be happy to give my money out to all comers. If the account details are all that is supposed to be required to withdraw money, why do I need separate codes for internet and telephone banking?

    22. Re:Poetic justice by Bloater · · Score: 2, Funny

      There's an ocean between /me/ and Great Britain too, but that's because I drank 5 litres of water today and I just wet myself.

    23. Re:Poetic justice by Archangel+Michael · · Score: 1

      his r'mainin good tooth

      Fixed, I think

      --
      Agent K: A *person* is smart. People are dumb, stupid, panicky animals, and you know it.
    24. Re:Poetic justice by dumdeedum · · Score: 1

      I like poetic justice, but to be truly satisfying, they should have given him diabetes. Anyone who knows of Clarkson will understand.

    25. Re:Poetic justice by Propaganda13 · · Score: 1

      That probably has more to do with the thief than the target.

    26. Re:Poetic justice by mcpkaaos · · Score: 1

      No man is an island, Jack.

      --
      It goes from God, to Jerry, to me.
    27. Re:Poetic justice by Naughty+Bob · · Score: 1

      I don't think satisfaction and poetry should be mutually exclusive. Diabetes is a fucker to rhyme with though.
      They shoulda given Clarkson Diabetes/By mixing up glucose with his morning wheaties....

      --
      "Be light, stinging, insolent and melancholy"
    28. Re:Poetic justice by 91degrees · · Score: 1

      , but there is a certain segment of the British public that laps up anything the man says as gospel (a segment not unlike the rednecks mentioned above ;-)

      I'm sure they're balanced out by the segment that thinks that he's a dangerous lunatic who should be banned from British TV. I find both groups hilarious. (I think Clarkson probably does too).

    29. Re:Poetic justice by LordP · · Score: 3, Informative

      Of course the bike won... Not only that, but the car lost by a significant margin. Having Captain Slow driving it probably didn't help though.
      --
      Nothing is so smiple that it can't be screwed up.
    30. Re:Poetic justice by Anonymous Coward · · Score: 0

      That's pretty much the point. It's about fast cars and race tracks. The old Top Gear used to be about nice family cars for driving around streets in but it was boring so it got axed (it still exists in a way as Channel 5's 5th Gear (which has most of the presenters of the original series)

      The new Top Gear is purely an entertainment programme.

    31. Re:Poetic justice by Anonymous Coward · · Score: 0

      You may appreciate his views on America (choice quote 'when being chased by a gang of rednecks': "I honestly believe that in certain parts of America now, people have started to mate with vegetables.") To be fair, Clarkson is abrasive towards everybody. And you'd say that you were chased by a gang of rednecks too when (in an episode of Top Gear) you were chased by rednecks. Throwing rocks. Threatening bodily harm. On television.
    32. Re:Poetic justice by Lord+Flipper · · Score: 1

      choice quote 'when being chased by a gang of rednecks'

      Thanks. I remember him, now, but vaguely. So, since we're helping our Yank friends (whether deserved or not :) ) could someone explain the Paul McC reference in the sub-head? Still leaning toward ignorance over here. Thanks.

    33. Re:Poetic justice by BugZRevengE · · Score: 1

      Clarkson hates green groups, he just wants to drive powerful cars

      --
      Why me? Why not!
      BACKUP YOUR PARTITIONS
    34. Re:Poetic justice by Molochi · · Score: 1
      --
      "The Adobe Updater must update itself before it can check for updates. Would you like to update the Adobe Updater now?"
    35. Re:Poetic justice by AigariusDebian · · Score: 1

      Only one thing you can do - change you bank to a sane one.

    36. Re:Poetic justice by CPUsInHotPlaces · · Score: 1

      No, for real poetic justice, you'd want to see the head of a major bank be the victim of identity theft. For Clarkson, poetic justice would involve something with a Lada, a polar bear and rising waters....

    37. Re:Poetic justice by Quiet_Desperation · · Score: 1

      I don't know why Ford doesn't sell the Mondeo in the US.

    38. Re:Poetic justice by Quiet_Desperation · · Score: 1

      Like I said, I love the show.

      Hey, I have a 2005 Mustang GT that I love, so I have to speak for it. :) It is an UNAPOLOGETICALLY retro American muscle car that should be respected for what it was meant to be.

    39. Re:Poetic justice by Gandalf_Greyhame · · Score: 1

      I find that they do have good things to say about some ordinary average cars. But, in the sense of criticism (which is essentially what they are all about) they cannot simply say that "every car is brilliant in all situations." Firstly, it isn't entertaining at all, and secondly, it doesn't weigh up the pros and cons of any given car.

      Back onto the ordinary cars, I have seen a couple of episodes where they showcase the Ford Focus, Peugeot 206, etc. and they generally give the pros and cons in relation to the car.

      Additionally, the car that they chose as the "best car of the year 2007" was a tie between the Ford Mondeo, and the Subaru Legacy Outback - very average, ordinary cars.

      Yes, I am a fan of the show - bloody brilliant

      --
      I am not stubborn. I am right!
    40. Re:Poetic justice by iwein · · Score: 1

      What was the fuel consumption of his Ford again?

      see http://en.wikipedia.org/wiki/Ford_GT for the answer... A true friend of the environment indeed...

      --
      Show a man some news, distract him for an hour. Show a man some mod points, distract him for the rest of his life.
    41. Re:Poetic justice by Billy69 · · Score: 2, Informative

      The pitted a standard Mustang against a standard Lotus Elise, both of which can easily be bought in the UK. Moreover, the Mustang costs more.

      --
      #include "disclaimer.h"
    42. Re:Poetic justice by sqldr · · Score: 1

      I don't know why Ford doesn't sell the Mondeo in the US.

      They do. It's just that "mondeo" probably sounded a bit too European for the vegetable maters.

      --
      I wrote my first program at the age of six, and I still can't work out how this website works.
    43. Re:Poetic justice by delinear · · Score: 1

      There was one where they raced an off the rack Mustang (designed for street and open road driving) against some sort of Lotus specifically designed and tuned for twisty, high speed driving. WTF? Will they be pitting a Formula 1 car against a Dodge Nitro next?

      You make a good point, but remember: a Mustang might be a practical street car in the US, where corners are almost mythical, but the average UK street map looks like it was drawn by a crack-addict going cold-turkey - cornering suddenly becomes a much more important issue than straight-line performance!

    44. Re:Poetic justice by rjshields · · Score: 1

      You may appreciate his views on America (choice quote 'when being chased by a gang of rednecks': "I honestly believe that in certain parts of America now, people have started to mate with vegetables.")
      I think he's spot on the money there. Did you see the show where they dressed up the cars with pro-gay slogans and drove through some southern redneck state? They almost got themselves shot by a gang of rednecks. It was quite hilarious.
      --
      In this world nothing is certain but death, taxes and flawed car analogies.
    45. Re:Poetic justice by delinear · · Score: 1

      Exactly - the show should be predominantly viewed as entertainment and (unless you're super-rich) not a source of real-world car reviews. That's not to say that the presenters don't appreciate such cars - the Top Gear awards generally reflect this and Jeremy has many times expressed his love of hatchbacks (or "hot hatches").

      Originally, of course, the show had much more of the standard car review format and it ended up haemorrhaging viewers at an alarming rate. Jeremy successfully transformed the format of the show into something much more watchable by focussing on the kinds of cars people dream about owning over the kinds of cars they can realistically expect to buy.

    46. Re:Poetic justice by itsdapead · · Score: 2, Funny

      I don't know why they picked diabetes; I was explaining the comment about why they should have chosen Friends of the Earth. Clarkson is a notorious anti-environmentalist.

      Maybe they wanted to be sure of hitting Clarkson in the pocket?

      Had the fraudster chosen (say) FoE then Clarkson could demand the money back with perfect integrity, since - love him or hate him - he has never made a secret of his position on environmental issues and could reasonably refuse to support FoE as a matter of principle.

      If, however, he claws back the money from a diabetes charity he's going to look like a complete Scrooge.

      Ha Ha. :-)

      Of course, the other possibility is that, since even a lowly unpaid clerical helper at FoE seeing the name "Jeremy Clarkson" attached to a donation would immediately spray coff... er... Fairtrade carob beverage over their keyboard and make further enquiries, the fraudster thought they'd play it safe.

      --
      In a survey of 100 programmers, 111111 thought that duck-typing was a good idea.
    47. Re:Poetic justice by Anonymous Coward · · Score: 0

      his r'mainin good teeth

      He's British.


      What has that got to do with the price of eggs?

    48. Re:Poetic justice by mrchaotica · · Score: 1

      Not since 2000, they don't. And it's exactly the post-2000 Mondeo that we would want!

      --

      "[Regarding the 'cloud,'] ownership was what made America different than Russia." -- Woz

    49. Re:Poetic justice by asc99c · · Score: 1

      Top Gear used to regularly review normal cars in a fairly serious way. 5 people used to watch it. Then they started testing Lamborghinis instead, building rockets out of Robin Reliants and racing to the north pole and now everyone watches it - even my wife who has no interest in cars. Some of the presenters from the old show moved to Fifth Gear where they mostly review sensible cars in a straight up way. About 5 people watch it...

    50. Re:Poetic justice by Vindicator9000 · · Score: 1

      Ummm... he doesn't have the Ford anymore because it broke down all the time. Granted, he traded it on a Lamborghini. This coming from someone who lives in the states and LOVES Top Gear.

    51. Re:Poetic justice by Quiet_Desperation · · Score: 1

      Exactly. Different cars designed for different intentions. I own an '05 Mustang GT. It's very nice. Been flawless so far to the point that I feel bad for Ford and their current problems. They can make something nice when they have the right people in place - in this case Hau Thai-Tang and Sid Ramnarace.

      They sell more auto Mustangs than stick. It's a daily driver that people take to work.

  2. Schadenfreude by Dr+Caleb · · Score: 4, Funny

    Clarkson, you ponce!

    And learn what a pickup truck is designed for, would ya?

    --
    "History doesn't repeat itself, but it does rhyme." Mark Twain
    1. Re:Schadenfreude by Anonymous Coward · · Score: 3, Informative

      They were DESIGNED to carry a small bag of £11 firelighters in little metal pots so you don't get the paraffin smell on your hands, ya maroon! (F-series)
      Or to be put on top of a building being demolished (hilux)
      Or to have an incredibly large outboard motor attached to the back and get capsize on a reservoir (another hilux, which he broke!)
      Or to be driven to the north pole. (modified hilux)

      What did you think they were designed for?

    2. Re:Schadenfreude by jx100 · · Score: 1

      I thought they were to be driven to Sangatte. (Nissan.. Hardbody?)

    3. Re:Schadenfreude by Thansal · · Score: 2, Funny

      What is that, some kind of Nazi word?

      --
      Do Or Do Not, There Is No Spoon, There Is Only Zuul. Everything in the above post is probably opinion.
    4. Re:Schadenfreude by Thansal · · Score: 1

      bah, people need to watch Ave Q more. (ok, so I knew I was gona get modded troll, but it was still worth it :P)

      --
      Do Or Do Not, There Is No Spoon, There Is Only Zuul. Everything in the above post is probably opinion.
    5. Re:Schadenfreude by duncanator · · Score: 1

      I think he knows what they're designed for, they're built to last: video of clarkeson destroying a pick-up truck: http://www.youtube.com/watch?v=Lrk6vsb77xk video of clarkeson shooting rocket at cars/firing machine gun /firing shot gun: http://www.youtube.com/watch?v=GsobUFaxnqg

    6. Re:Schadenfreude by Dr+Caleb · · Score: 1

      "I think he knows what they're designed for, "

      No, he doesn't. (Thanks for the clips, but I do watch the show . . )

      In the 'Good the Bad and the Ugly' (not a Top Gear episode) He had a Dodge 3/4 ton race an Ariel Atom, and (sarcastically) acts surprised when the little racer wins.

      I say, pull 3/4 of a ton with the Ariel Atom, and see who wins.

      I won't even mention what he did with the F150 Lightning. He just doesn't get the concept of 'truck'.

      --
      "History doesn't repeat itself, but it does rhyme." Mark Twain
    7. Re:Schadenfreude by Anonymous Coward · · Score: 0

      Rednecks, I thought? Seriously pickups and SUVs - USians must have the smallest genitalia on the planet.

    8. Re:Schadenfreude by TheLink · · Score: 1

      Uh I'm sure he does know what they are for. He's trolling you all, like Dvorak trolls Mac users etc.

      But Clarkson is a lot more entertaining so I don't mind :).

      --
    9. Re:Schadenfreude by mollymoo · · Score: 1

      So all those people driving trucks use them to haul around 3/4 of a ton on stuff? Yeah, just like all the people with SUVs use them to drive up the sides of mountains.

      --
      Chernobyl 'not a wildlife haven' - BBC News
  3. Bwahahahahaha! by MightyMartian · · Score: 5, Funny

    In the immortal words of Bugs Bunny: "What a maroon!"

    --
    The world's burning. Moped Jesus spotted on I50. Details at 11.
    1. Re:Bwahahahahaha! by VGPowerlord · · Score: 5, Funny

      From the other guy's perspective:
      In the immortal words of Bugs Bunny: "Ain't I a stinker?"

      --
      GLaDOS for President 2016! "Well here we are again. It's always such a pleasure." -- GLaDOS, 2011
  4. If you give it away by Bongo+Bill · · Score: 3, Insightful

    If you give personal information away freely, is it really accurate to call taking it theft?

    Of course, what defrauders do with it might constitute stealing. But that's less "identity theft" and more "money theft" if you ask me.

    --
    ...but is it art?
    1. Re:If you give it away by Billosaur · · Score: 4, Insightful

      Well, giving away the information for free doesn't make it a crime for you to possess the information. If you then use it, claiming you are a person you are not, that's fraud and illegal in most jurisdictions.

      --
      GetOuttaMySpace - The Anti-Social Network
    2. Re:If you give it away by Jhon · · Score: 4, Insightful

      When I freely publish my business name and address in the phonebook, is it really accurate to call it theft when someone breaks in to my store and steals my stuff? Granted, it's not the same thing, but to publish your personal information does not give someone the right or permission to use that information for fraud any more than publishing my business address gives someone the right or permission to commit B&E.

      With regards to "identity theft" vs "money theft", the end result is usually the theft of money. The label of "identity theft" basically describes HOW the theft took place...

    3. Re:If you give it away by Anonymous Coward · · Score: 1, Informative

      If I give my information to the bank teller, and that bank teller goes and uses that information to fradulently create accounts in my name, is that still not identify theft?

    4. Re:If you give it away by Jason+Levine · · Score: 2, Interesting

      Identity Theft can lead to bad credit (and years wasted trying to restore your credit) which can mean loss of a house. It can even lead to criminal charges mistakenly being attributed to you. The thieves really are stealing your identity to commit their fraudulent and illegal activities. And even though you still have your identity for your own use, it becomes sullied by the actions of the thieves. (Just in case someone wants to claim that the "copying music online isn't stealing because they still have the music" argument applies to identity theft.)

      --
      My sci-fi novel, Ghost Thief, is now available from Amazon.com.
    5. Re:If you give it away by smilindog2000 · · Score: 1, Offtopic

      I notice that few of us here offer any real personal information... my e-mail is bill@billrocks.org, and if you bother to reply to a challenge e-mail, I'll read whatever you have to say. Put financial information on-line? Hell no. That'd be plain stupid.

      --
      Beer is proof that God loves us, and wants us to be happy.
    6. Re:If you give it away by Hognoxious · · Score: 5, Insightful

      If you then use it, claiming you are a person you are not, that's fraud and illegal in most jurisdictions.
      And any bank and its imbecile staff that allows you to pretend to be someone you aren't because they can't be arsed to properly check[1] should be liable for the loss themselves.

      Before anyone claims that giving his bank account number out was irresponsible - it's printed on the bottom of your cheques.

      [1] Even if more than one person can have the same name, it should be easier than normal in this case.
      --
      Confucius say, "Find worm in apple - bad. Find half a worm - worse."
    7. Re:If you give it away by ArsonSmith · · Score: 0, Offtopic

      It's because the term is a bit of a misnomer. There is no such thing as "Identity theft." You're identity is the only thing that can never be stolen from you. (Similar in concept to calling copyright violations, theft.) Obtaining personal information and utilizing it for gain is considered "Impersonation fraud."

      --
      Paying taxes to buy civilization is like paying a hooker to buy love.
    8. Re:If you give it away by plague3106 · · Score: 1

      Giving you my SSN doesn't give you permission to use it to open accounts in my name for your own benefit. So yes, it is stealing.

    9. Re:If you give it away by jorenko · · Score: 1

      Identity theft isn't the theft of identifying information, it's impersonating someone else for personal gain, usually at the impersonated person's loss. A prerequisite to this is often acquiring personal information, likely through theft or grayer methods such as dumpster diving, but as this case shows, not always.

    10. Re:If you give it away by russ1337 · · Score: 5, Funny
      Yeah, I just can't believe someone could be that stupid.

      Signed

      Sam B. Carswell
      4994 Pin Oak Drive
      Whittier, CA 90603

      Email Address: SamBCarswell@fontdrift.com


      Phone: 562-943-0713
      Mother's maiden name: Grondin
      Birthday: January 27, 1955

      Visa: 4532 7971 3753 8401
      Expires: 12/2009

      SSN: 550-80-1765

      UPS Tracking Number for my Plasma TV: 1Z 195 055 46 3018 447 5

    11. Re:If you give it away by ArsonSmith · · Score: 3, Interesting

      Copying music online isn't stealing because it's copyright violation.
      Obtaining and using a persons identity isn't theft because it's impersonation fraud.

      Please let's use the correct terms.

      --
      Paying taxes to buy civilization is like paying a hooker to buy love.
    12. Re:If you give it away by KublaiKhan · · Score: 5, Funny

      Yes, but what's your /. password?

      --
      In Xanadu did Kubla Khan
      A stately pleasure dome decree
    13. Re:If you give it away by Anonymous Coward · · Score: 0

      Checque? Who writes those anymore?

    14. Re:If you give it away by Dephex+Twin · · Score: 1

      What, no security code on the credit card??

      --

      If you want to make an apple pie from scratch, you must first create the universe. -- Carl Sagan
    15. Re:If you give it away by chooks · · Score: 5, Funny

      It's a six digit ID. Who cares? :)

      --
      -- The Genesis project? What's that?
    16. Re:If you give it away by idontgno · · Score: 1

      Obtaining and using a persons identity isn't theft because it's impersonation fraud.

      Hey, there's a guy out here named Bill who disagrees with you:

      Good name in man and woman, dear my lord,
      Is the immediate jewel of their souls:
      Who steals my purse steals trash; 't is something, nothing;
      'T was mine, 't is his, and has been slave to thousands;
      But he that filches from me my good name
      Robs me of that which not enriches him
      And makes me poor indeed.

      -- William Shakespeare, Othello. Act iii. Sc. 3.

      Although I have to admit that the "which not enriches him" he got wrong.

      --
      Welcome to the Panopticon. Used to be a prison, now it's your home.
    17. Re:If you give it away by kalirion · · Score: 1
    18. Re:If you give it away by BarlowBrad · · Score: 1

      Liar! That's not a valid tracking number!

    19. Re:If you give it away by russ1337 · · Score: 1

      you need to check out www.fakenamegenerator.com

    20. Re:If you give it away by KublaiKhan · · Score: 1

      It looks like he's got good karma, so snag the account now and ebay it in a few years. Should be worth a few bucks. ;-p

      --
      In Xanadu did Kubla Khan
      A stately pleasure dome decree
    21. Re:If you give it away by eat+here_get+gas · · Score: 1

      and in the US, they print your bank's routing number immediately after your bank account number, making that one less step for the identity thief to take...

      --
      the significance of a signature is insignificant
    22. Re:If you give it away by PitaBred · · Score: 1

      But he also wrote that back when the only thing you could do was disparage someone publicly, which is filching their good name, sullying it. He got it right, given the context of history. Given the modern context, it changes significantly. I mean, it's not like many people have a sense of honor any more to worry about.

    23. Re:If you give it away by TheVelvetFlamebait · · Score: 1

      How dare you!

      --
      You know, there is a difference between trolling and pointing out the flaws in your reasoning. Just saying.
    24. Re:If you give it away by Kalriath · · Score: 1

      In our country, your bank's routing number is prepended to your account number, and you can't do anything without it (as the bank can't identify which branch your account is held at without it).

      Of course, over here it's perfectly safe to print your account number on flyers and distribute that, as the bank refuses to do anything without your ATM card and PIN, or your drivers license.

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    25. Re:If you give it away by MorpheousMarty · · Score: 1

      Ok, you made up the tracking number. I hope you made everything else up cause it showed it up in Google (as part of this thread). I personally hope you didn't, I would love to see a follow up article where you had to get a new identity because you gave your old one away...

    26. Re:If you give it away by rivetgeek · · Score: 1

      I actually live in whittier. Would have been funnier if the street actually existed though.

    27. Re:If you give it away by Anonymous Coward · · Score: 0

      Visa: 4532 7971 3753 8401
      Expires: 12/2009
      3 digit security code pls?
    28. Re:If you give it away by russ1337 · · Score: 1

      check out www.fakenamegenerator.com

      Great place for throw away identities for times such as these.

    29. Re:If you give it away by LeafOnTheWind · · Score: 1

      More importantly, what's your private key?

    30. Re:If you give it away by Anonymous+Brave+Guy · · Score: 1

      And any bank and its imbecile staff that allows you to pretend to be someone you aren't because they can't be arsed to properly check[1] should be liable for the loss themselves.

      Yes, they know that, but it's just the cost of doing business for them. That's why it's very unlikely that anyone other than a computer ever even looks at the signature on most small (in banking terms) value cheques. It's cheaper to pay up in the odd cases where someone gets had and challenges it than it is to employ a small army of people to actually read all the signatures on everyone's cheques. Much the same principle probably applies here, via the Direct Debit Guarantee: it's cheaper to wait for something dubious to get challenged and then go after the registered recipient than it is to double-check every single DD that gets set up.

      Of course, whether it's ethical for the custodians of your cash to behave in this way, given that fixing any problems now relies on you to find them and report them, is another question. But from the banks' point of view, it's just basic accounting.

      --
      If you disagree, post your argument. (-1, Overrated) isn't your personal censorship tool for views you don't like.
    31. Re:If you give it away by WK2 · · Score: 4, Funny

      It's a six digit ID. Who cares? :)

      I do.

      --
      Write your own Choose Your Own Adventure. http://www.freegameengines.org/gamebook-engine/
    32. Re:If you give it away by FLEB · · Score: 1

      Your credit rating is your modern "honor". It's just been codified. Unaided reputation has given way to stored statistics, as is necessary in a world when you might trade or interact with people you never will personally meet, in places across the world.

      --
      Information wants to be free.
      Entertainment wants to be paid.
      You just want to be cheap.
    33. Re:If you give it away by FLEB · · Score: 1

      You're identity is the only thing that can never be stolen from you.

      Ahh, but consider dismemberment, or even vaporization...

      --
      Information wants to be free.
      Entertainment wants to be paid.
      You just want to be cheap.
    34. Re:If you give it away by Hal_Porter · · Score: 1

      You know who else lived in Whittier? Richard Nixon!

      --
      echo -e 'global _start\n _start:\n mov eax, 2\n int 80h\n jmp _start' > a.asm; nasm a.asm -f elf; ld a.o -o a;
    35. Re:If you give it away by adrianmonk · · Score: 1

      When I freely publish my business name and address in the phonebook, is it really accurate to call it theft when someone breaks in to my store and steals my stuff?

      Your analogy is almost right, but it should've read, "When I freely publish my business name and address in the phonebook, is it really accurate to call it identity theft when someone breaks in to my store and steals my stuff?". That is, the original claim was that using information you were given in order to steal money can be called "theft" but cannot be called "identity theft" since it is not the identity you are stealing.

      If I give you a crowbar, and you use it to force open my front door and come into my house and steal my laptop and my iPod, we don't call that "crowbar theft". (We do call it "theft", of course.)

    36. Re:If you give it away by Anonymous Coward · · Score: 0

      The major problem with 'identity theft' is the fraud committed in your name. It's less about money stolen *from you* and more about people going out and getting loans,etc in your name. Then they skip off with the money, and you are left with the bill.... and the bad credit when you can't pay off the loan that you never took out. And financial institutions will tend towards not believing you too.

      Even once you rectify the situation so that you don't owe the money, getting this stuff removed from your credit report can be a bitch too. Granted, I've never had to go through the process, so the second/third-hand information I have could be outdated at this point.

    37. Re:If you give it away by drunkahol · · Score: 1

      You insensitive bar steward!

      Here's you with your 71012 ID. I'm only slightly higher at 143049, but YOU decide to set the bar to exclude ME!

      Pah - the ignominy of it all.

      I've got a solution though . . . let's be snooty on a sliding scale. So ID's in the 100k-200k range can attract a little bit of snoot. Then a bit more for the 200k-500k brigade. Substantially more for the 500k-999,999 grouping. Finally the 7-digit mob attract nothing but derision.

      Me? Yeah, I'm just SLIGHTLY bitter at having missed the 5 digit ID. What really smarts is that I read slashdot for quite a while before registering to post a comment! If only . . .

    38. Re:If you give it away by jsebrech · · Score: 1

      And any bank and its imbecile staff that allows you to pretend to be someone you aren't because they can't be arsed to properly check[1] should be liable for the loss themselves.

      Oh please, like you can expect every bank teller everywhere to do a full background check for everyone that comes to make a withdrawal. Be realistic.

      This is just the downside of opposing national id cards. People always think national id cards are something that only benefits the government, but this is not the case. National id cards offer a clear and simple way for you to prove who you are, and they make it easy to dramatically reduce identity theft. In my country identity theft is almost unheard of because we've had national id cards for ages.

    39. Re:If you give it away by Jon+Peterson · · Score: 1

      If you'd been around here a bit longer, kid, you'd understand ;-)

      --
      ----- .sig: file not found
    40. Re:If you give it away by petermgreen · · Score: 1

      where are you?

      --
      note: i'm known as plugwash most places but i screwd up registering that here somehow in the past and now can't register
    41. Re:If you give it away by monktus · · Score: 1

      What russ1337 isn't telling you is that this Sam B. Carswell is the dude who's been banging his wife.

      --
      Weaseling out of things is important to learn. It's what separates us from the animals... except the weasel."
    42. Re:If you give it away by MBGMorden · · Score: 1

      Well, checking signatures also goes into a bit of a problem. Essentially, your signature is whatever writing you call your signature. It needn't be consistent, and it needn't be legible. I really don't see how they'd go about "verifying" the signatures on on a check.

      --
      "People who think they know everything are very annoying to those of us who do."-Mark Twain
    43. Re:If you give it away by Anonymous+Brave+Guy · · Score: 1

      My bank has a copy of my recognised signature on file, which would be checked if they were asked to do something a bit more drastic than setting up a routine direct debit. Legally speaking there's no requirement that I'm aware of to sign my name the same way on different official documents, but practically there is at least some safeguard there. It's just that it's not economic to use that safeguard routinely for relatively trivial transactions, when a bit of sampling and acceptable losses if things are missed will do.

      --
      If you disagree, post your argument. (-1, Overrated) isn't your personal censorship tool for views you don't like.
  5. He had it coming... by Red+Samurai · · Score: 5, Insightful

    That was a pretty arrogant move, even for his standards, and I'm sure he's be humbled (somewhat) after being taken down a peg. I guess that's the price you pay for overconfidence.

    1. Re:He had it coming... by mea37 · · Score: 0, Redundant

      I'm not sure what type of arrogance drove this.

      Was he so sure that identity theft isn't a threat, as he said?

      Or did he figure "even if the threat is real, an ID thief wouldn't want to prove it by stealing my information in a highly-publicized incident"?

      And on the flip side -- will this morAn now admit he was wrong? Or will he claim that this was done by one of his opponents to try to create a high-profile incident?

      "Some men, you just can't reach..."

    2. Re:He had it coming... by seyyah · · Score: 1

      That was a pretty arrogant move, even for his standards, and I'm sure he's be humbled (somewhat) after being taken down a peg.
      He was humbled and has publicly gone back on everything he said. From http://news.bbc.co.uk/2/hi/entertainment/7174760.stm:

      "I was wrong and I have been punished for my mistake."

      Police were called in to search for the two discs, which contained the entire database of child benefit claimants and apparently got lost in the post in October 2007. The loss, which led to an apology from Prime Minister Gordon Brown, created fears of identity fraud.

      Clarkson now says of the case: "Contrary to what I said at the time, we must go after the idiots who lost the discs and stick cocktail sticks in their eyes until they beg for mercy."
    3. Re:He had it coming... by LinuxGrrl · · Score: 1

      If you'd read TFA you'd already know he did admit he was wrong. :-)

    4. Re:He had it coming... by IamTheRealMike · · Score: 1

      Zero points for you! TFA says that Clarkson admitted he was wrong and that his previous opinion was bullcrap.

      Even so, this escapade won't change my opinion of the man as funny but still an arsehole.

    5. Re:He had it coming... by lbgator · · Score: 2, Informative
      He admitted he was wrong. From BBC:

      Clarkson now says of the case: "Contrary to what I said at the time, we must go after the idiots who lost the discs and stick cocktail sticks in their eyes until they beg for mercy."
    6. Re:He had it coming... by hardburn · · Score: 1

      As a rule, I tend to think that Clarkson doesn't believe half the stuff he says. But watching him being forced to admit he was wrong is a great pleasure.

      Clarkson now says of the case: "Contrary to what I said at the time, we must go after the idiots who lost the discs and stick cocktail sticks in their eyes until they beg for mercy."

      Now that's more like the Clarkson I know and love!

      --
      Not a typewriter
    7. Re:He had it coming... by Laurence0 · · Score: 2, Insightful

      Oh, very much so. I think it's /because/ he's an arsehole that he's so funny.

    8. Re:He had it coming... by imipak · · Score: 4, Funny

      Humbled?? Is this some sort of secret clone Clarkson that's roaming the earth? Doesn't sound much like the tosser we know and loathe so much. Viz ran a Roger Mellie (The Man on the Telly) strip taking the piss out of him, it has him doing a piece to camera - "this is the all-new Ferarri Testosterone, and it's 500 BHP of snorting, snarling bitch. If this car was a woman I'd drop my kecks right now and give it one right up the exhaust pipe. IN fact I think I will!" (next frame) "Ugh! Ugh! Ugh! Yeah, bitch, you like it like that don't you?!" "sproing, sproing sproing" (car springs) "Cut!"

    9. Re:He had it coming... by TonyMillion · · Score: 1

      Actually, roger melle was nothing to do with clarkson...

      It was a piss take of a look north presenter called Mike Neville who by all accounts was a beer swilling, chain smoking, lecherous old coot, not unlike roger melle!

    10. Re:He had it coming... by drsquare · · Score: 1

      Actually that particular strip was to do with Clarkson, especially as in the last frame Clarkson takes over Roger Mellie's and starts shagging the cars himself.

    11. Re:He had it coming... by mea37 · · Score: 1

      *sigh*

      -1 Redundant? No, no. That should be -1 Flamebait. Redundant would be the 3 people who replied with exactly the same response.

      Sheesh. Moderators need a dictionary.

  6. Clarkson... by Anonymous Coward · · Score: 1, Insightful

    Clarkson is the famous tv presenter on Top Gear. He is known for being a pisstaker and joke artist. Calling him a identity theft skeptic is making this sound far too serious. The joke is on slashdot.

  7. News? by ynososiduts · · Score: 1, Insightful

    I understand how this is funny, but if someone publicly gives out there information in a way to draw attention from the press of course someone is going to do something. It's funny, it's non-news for nerds, and it doesn't matter.

    --
    622677120
    1. Re:News? by Anonymous Coward · · Score: 0

      Stupid is as stupid does.
      - Forrest Gump's Mama

    2. Re:News? by adrianmonk · · Score: 1

      it's funny, it's non-news for nerds, and it doesn't matter.

      What "news for nerds" means is subjective, but I would argue this:

      • this article relates to public perception of the risks of identity theft
      • identity theft is related to online security (and security of information in "The Information Age")
      • therefore, it's at least minimally related to Your Rights Online
    3. Re:News? by syousef · · Score: 3, Insightful

      Okay this article mentions:
      1) Identity theft
      2) A celebrity who holds extreme views on a wide range of topics of interest to nerds, from the environment to computers and identiity theft.
      3) The celebrity has changed his mind on the topic after being proven wrong by a very cheeky identity thief.
      4) That celebrity presents a show that does interest nerds. (Not just the cars either. One episode showed a car being blown off the tarmac by a 747's engine thrust).

      How is this not news? How is this not interesting?

      Yet a comment like yours gets modded as insightful instead of -1:troll. More proof that /. comment moderation is badly broken. Burn Karma! Burn!

      --
      These posts express my own personal views, not those of my employer
  8. Privacy Amendment by Doc+Ruby · · Score: 2, Insightful

    The US Constitution needs a Privacy Amendment specifying that people's right to privacy in our personal data shall be protected, that no one has the right to copy any such data except as necessary to complete the immediate transaction for which it was transmitted by that person, except under explicit permission from that person.

    The 4th Amendment already makes explicit the right to such privacy, but it clearly isn't enough anymore - not for a long time. But since the 4th Amendment itself was merely an emphasis of a right already implicit in the Constitution, but worth repeating explicitly to ensure government protection of it (like the rest of the Bill of Rights), it's perfectly appropriate to reiterate it in terms easily enforceable in the current era, like copyright terms.

    --

    --
    make install -not war

    1. Re:Privacy Amendment by Anonymous Coward · · Score: 0

      The fourth amendment places limits on government activity only. Nothing in the 4th amendment applies to a private party rummaging through your stuff.

    2. Re:Privacy Amendment by Doc+Ruby · · Score: 4, Insightful

      I hear this all the time, usually from Anonymous Cowards too scared to say something so anti-American in public. So I always rebut it, because I understand America, rights and government.

      America is built on the simple, but radical (for the 1780s, anyway) realization that people have rights, create governments to protect those rights, so when we create them, we must create them with powers to protect them, but not to abuse them. We have a right to privacy, as the 4th Amendment says. The government exists to protect it,

      Or are you going to tell me that, say, the 13th Amendment banning slavery limits only the government from owning slaves? No, freedom is a right. Rights are inalienable, not just "inalienable by the government".

      --

      --
      make install -not war

    3. Re:Privacy Amendment by Anonymous Coward · · Score: 0

      You fail it. The the idea that the US constitution enshrines a "right to privacy" was established by the Griswold vs. Connecticut case in 1965. The ruling in that case has nothing to do with the fourth amendment:

      "Although the Bill of Rights does not explicitly mention "privacy", Justice William O. Douglas (writing for the majority) ruled that the right was to be found in the "penumbras" and "emanations" of other constitutional protections. Justice Arthur Goldberg wrote a concurring opinion in which he used the Ninth Amendment to defend the Supreme Court's ruling. Justice John Marshall Harlan II wrote a concurring opinion in which he argued that privacy is protected by the due process clause of the Fourteenth Amendment. Justice Byron White also wrote a concurrence based on the due process clause."

      Anyway, this whole fetishization of "privacy" is just another unnecessary luxury for fat spoiled americans. Here in People's Republic of China we do not sit around mewling about rights and freedom because we are too busy working hard for the harmonious advancement of People's Democratic Socialist Capitalsm.

      No wonder Beijing Star newspaper reports China will soon be world's number one economy while fat ignorant Americans who don't even understand how their own "right to privacy" was derived overspend themselves into oblivion while enormous subprime mortgage crisis destroys stupid American economy.

    4. Re:Privacy Amendment by wombert · · Score: 5, Informative

      We have a right to privacy, as the 4th Amendment says. The government exists to protect it

      Wrong. That's not what the 4th amendment says. The 4th amendment puts a limit on the government's ability to invade your privacy:

      The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.

      It does not establish a right to privacy; that right, since it is not expressly surrendered to the government in the Constitution, is reserved to the states and the people via the 10th amendment.

      It is up to your state and local government to define the limits of other individuals' ability to encroach on your privacy and property. (Similarly, it is up to those governments to specify how they protect individual's lives from the threat of other individuals.) If they fail to sufficiently protect those rights, well, there's always the 2nd amendment...

      --
      Did I say overlords? I meant protectors.
    5. Re:Privacy Amendment by Doc+Ruby · · Score: 1
      No, you fail the most basic test of all. You don't understand what rights are. No court or Constitution gives you rights. All the Griswold case did was give the government a procedure for analyzing how our Constitution is constructed to see whether and how it protects that right or not. So here you are staring at the Supreme Court, which did indeed find that

      The right of the people to be secure in their persons, houses, papers, and effects


      meant that there is a right that people have, which the US government is directed to protect. That such protection was already embedded in existing US practice.

      I'm not going to go for your "Chinese" troll and its arbitrary ramble. You're not even in China. But who cares? Nearly anyone these days can be totally wrong about creating a government to protect our rights. It's obvious, just from the way the US government alone abuses our rights rather than protects them, and the "libertarians" who want corporate anarchy instead of the people joining forces in government to protect ourselves. It's not just for China anymore. But of course that doesn't make it right.
      --

      --
      make install -not war

    6. Re:Privacy Amendment by tirerim · · Score: 1

      I agree with you, but I will point out that not all of the freedoms guaranteed by the constitution apply to private entities. In particular, the first amendment only says that freedom of speech, press, and religion shall not be abridged by Congress, which means that if you say something I don't like in my house, I have the perfect right to throw you out because of it, whereas the government cannot throw you out of the country for the same thing. So you can't really make analogies between different amendments to the Constitution, you have to look at each one individually.

    7. Re:Privacy Amendment by Doc+Ruby · · Score: 2, Insightful

      No, it explicitly mentions the right to be secure in their persons, papers and effects. Those rights aren't "established" except insofar as they're identified, which they are here. Then the government that we created to protect our rights is instructed to protect that right. That's how rights, and the government, actually works.

      --

      --
      make install -not war

    8. Re:Privacy Amendment by gstoddart · · Score: 1

      Or are you going to tell me that, say, the 13th Amendment banning slavery limits only the government from owning slaves? No, freedom is a right. Rights are inalienable, not just "inalienable by the government".

      As much as I largely agree with your sentiment, it's contingent on everyone else playing by the same rules.

      In this case, the underlying assumption of the legal system is that these rights are, in fact, inalienable. So it binds the government to adhere to that.

      However, that doesn't mean that everyone agrees with you or that the reality matches the sentiment. It is, a philosophical and moral position. But, go someplace where they don't agree with you, and loudly proclaim to have these rights; you might be disappointed. You can try to say it's an absolute, objective truth that can't be overridden. But like so many things involving society, it's a thin veneer over actual human nature. In most places, or at least throughout most of history, it hasn't been true.

      Sadly, it only holds true as long as all parties concede the point and agree with you. That doesn't always happen in all cases.

      Anyway, this is pretty far from your point or this thread. :-P

      Cheers
      --
      Lost at C:>. Found at C.
    9. Re:Privacy Amendment by radarjd · · Score: 2, Interesting

      We have a right to privacy, as the 4th Amendment says.

      The 4th Amendment says: The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.

      The 4th Amendment absolutely does not create a generalized right to privacy. The Supreme Court examined this issue in detail in Griswold v Connecticut (see the treatment at Cornell's website, the legal cite is 381 U.S. 479). In this case, the state of Connecticut had passed a law making it illegal to use a device or article to prevent conception, and doctor and the director of planned parenthood were convicted as accessories for advising a married couple on contraception. The Court overturned the conviction (and law) on the grounds that a generalized right of privacy may be found in the penumbra of several amendments, including the 4th, in the relationship of a married couple.

      As an aside, I think it's arguable that the Court based even this decision on shaky legal ground, and that they should have upheld the law. That would hopefully have provided the public impetus for the passage of a Constitutional amendment which actually would specifically have dealt with the protection of privacy, but that's just me.

      Or are you going to tell me that, say, the 13th Amendment banning slavery limits only the government from owning slaves? No, freedom is a right. Rights are inalienable, not just "inalienable by the government".

      The 13th Amendment says: Neither slavery nor involuntary servitude, except as a punishment for crime whereof the party shall have been duly convicted, shall exist within the United States, or any place subject to their jurisdiction.

      In other words, slavery shall not exist in the US. There is no such legal condition. Had the writers of the Bill of Rights intended a generalized right of privacy, they easily could have stated "The right of privacy shall not be abridged" -- but of course that was not their intention. That the 4th amendment to the Constitution applies to the federal government is a matter of common law. Private parties are not allowed to search and seize, as that would be a trespass, especially in the world of the 1780s where searches and seizures involved a physical intrusion.

      And as another aside, while you say "freedom is a right", those same people who wrote the 4th amendment also wrote the Constitution in such a way that slavery was legal. All rights have boundaries. The best law strikes the proper boundary, and some times it takes a while to get there.

      Back to this particular instance, it seems like the "skeptic" should sue the fraudster in civil court. Likely there are criminal statutes involved as well. And lest we forget, this took place in the UK, where the US Constitution most certainly doesn't apply.

    10. Re:Privacy Amendment by nunyadambinness · · Score: 0, Flamebait

      "No, it explicitly mentions the right to be secure in their persons, papers and effects"

      Thanks for proving his point, you'll see the word "privacy" nowhere in there.

      And now that you've been proven wrong irrefutably, you'll make a stupid excuse and try to weasel out of being wrong. You wouldn't be Dic Ruby if you didn't.

    11. Re:Privacy Amendment by Bloke+down+the+pub · · Score: 1

      And lest we forget, this took place in the UK, where the US Constitution most certainly doesn't apply yet
      Fixed that for you.
      --
      It's true I tell you, feller at work's next door neighbour read it in the paper.
    12. Re:Privacy Amendment by Watts+Martin · · Score: 1

      [The Constitution] does not establish a right to privacy; that right, since it is not expressly surrendered to the government in the Constitution, is reserved to the states and the people via the 10th amendment. While the basic idea that a right that isn't explicitly granted to the Federal government is reserved for the State or "the People" is true, legal precedent generally holds that the right to privacy is protected by the 9th Amendment, and that such a view is buttressed by other amendments such as the 4th.

      While the Feds are enjoined from passing legislation that infringes on your privacy if doing so violates the Constitution (such as seaarch and seizure), they are not enjoined from passing legislation that protects a right to privacy on the federal level. They can regulate government agencies (cf. the Privacy Act of 1974), they can regulate specific industries (cf. the Cable Communications Policy Act), and they can restrict information collection and use by private employers when this can lead to discrimination (cf. the Employee Polygraph Protection Act).
    13. Re:Privacy Amendment by blair1q · · Score: 1

      It does mention them, but you have the Bill of Rights' purpose backwards. It doesn't mandate that the government protect your rights from interference by other citizens, only that the government not interfere with your rights.

      The Constitution elsewhere gives the Congress the authority to make laws, the Executive the authority to enforce laws, and the Judiciary the authority to adjudicate laws.

      It is then up to you to elect people who will write laws which protect your rights from people other than the government.

      So this thread makes a valid point. If we aren't protected from these invasions of privacy due to a total lack of security in the operational features of our banking system, it's up to us to tell our public servants to make our laws to protect us better. And it's our fault if we continue to allow the banking corporations to write the laws that make their business cheaper to run and their liability negligible for the lack of security over the money they have borrowed from us (yes, you are a creditor to them, with a creditor's rights over them; read your account agreement and the federal banking regulations, before giving your money to just anyone who puts up a red brick fast-food type "bank" and asks for it).

    14. Re:Privacy Amendment by Zordak · · Score: 1

      The 4th Amendment already makes explicit the right to such privacy, but it clearly isn't enough anymore - not for a long time. But since the 4th Amendment itself was merely an emphasis of a right already implicit in the Constitution, but worth repeating explicitly to ensure government protection of it (like the rest of the Bill of Rights), it's perfectly appropriate to reiterate it in terms easily enforceable in the current era, like copyright terms.

      The 4th Amendment to what? Certainly not the U.S. Constitution. In fact, the word "privacy" does not explicitly appear anywhere in the Constitution. The 4th protects people from unreasonable searches and seizures by the federal government (the 14th Amendment applies the 4th Amendment to your state government). In Griswold v. Connecticut, the Supreme Court found a vague, ill-defined right to privacy somewhere in the "penumbras" of the 4th, 9th and 14th Amendments (based loosely on English common law rights). But it's always been vague, controversial and tenuous at best. It certainly was never "already implicit in the Constitution [before amendment]." In fact, it's a fairly recent concept. And what you seem to propose---the government protecting your right of privacy from other private entities---is entirely novel. The purpose of the Bill of Rights was to protect you from the federal government, not your neighbor. Protecting citizens from each other is (and ought to remain) the province of legislation, not the Constitution. And even then, the federal government isn't supposed to have a lot of power to legislate. It should be the states legislating privacy, except to the extent interstate commerce is directly involved.

      DISCLAIMER: This post is just my opinion and does not constitute legal advice to anybody and is not endorsed by my employer and should not be relied on by anybody for any reason.
      --

      Today's Sesame Street was brought to you by the number e.
    15. Re:Privacy Amendment by aproposofwhat · · Score: 1
      Well, it's quite a good constitution, and at least they've got one, unlike us poor buggers who are used to having our rights trampled underfoot by a government that doesn't have to worry about a constitution and actively subverts Parliament.

      I know you were having a go at the subservient attitude of successive British governments to the US, but that's more complying with US policy than a wish to impose the US constitution.

      Brown and his Stalinist mates would shit themselves if the British people actually managed to get a constitution - most of the legislation of the last decade would be struck down, and the scumbags would be impeached without delay.

      --
      One swallow does not a fellatrix make
    16. Re:Privacy Amendment by 91degrees · · Score: 1

      Just a law on the matter would probably be good enough.

      Granted, in the EU, privacy is considered a basic human right, but the way this is handled is by standard European and national legislation rather than as part of the supreme law.

    17. Re:Privacy Amendment by Kalriath · · Score: 1

      That's OK, here in New Zealand we have Aussie's constitution. I mean, read it... we're on the list of states!

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    18. Re:Privacy Amendment by celtic_hackr · · Score: 1

      We have a right to privacy, as the 4th Amendment says. The government exists to protect it

      Wrong. That's not what the 4th amendment says. The 4th amendment puts a limit on the government's ability to invade your privacy ...

      You're both wrong. And both right. Because you are both approaching the Constitution from the wrong perspective. The Constitution was drawn up to create a form of government that was strong enough to protect the people of the country and ensure domestic tranquility. In that perspective, the 14th amendment was added at the demand of one faction that wanted less power for the Federal government and the other which felt it was unnecessary to state the "obvious". They all agreed that a right to privacy was a paramount and inalienable right, and didn't feel it was necessary to explicitly state it. It was obvious. The obvious often goes overlooked. Just look at all the writings the founding fathers did anonymously. The Constitution wasn't meant to list the rights given to the people. It was meant to delineate the rights given to the Federal government and to the states. The remaining rights were to remain with the people. The problem they were trying to fix was how to give enough power to a government, which they all agreed needed to be watched to prevent abuses, so that the country wasn't crippled. Look back to your history books and read about how the Articles of Confederation worked and you'll see the reason for the Constitution. The right to privacy is an inalienable right, and is protected by the virtue that the power over our privacy isn't enumerated in the states' or federal government's rights. The exclusion of a right of the people in the Constitution is proof of it's remaining in the power of the people and not the government. The government is there for the people NOT the other way around. We are the masters, they are the servants. At least that was the plan. If the founding fathers saw the current state of the government, they'd be shocked and dismayed.
    19. Re:Privacy Amendment by Anonymous Coward · · Score: 0

      Rights are inalienable, not just "inalienable by the government".
      unless you're not an american citizen, in which case you have no rights so bend over and grab your toes, bitch.
    20. Re:Privacy Amendment by RanCossack · · Score: 1

      No, that's also wrong. It may be what it seems like to a non-lawyer like you, but look at Roe vs Wade and the patriot act -- it actually means everyone has the right to an abortion. :)

    21. Re:Privacy Amendment by Sergeant+Pepper · · Score: 1

      That's not what the 4th amendment says. Right.

      that right...is not expressly surrendered to the government in the Constitution [and] is reserved to the states and the people via the 10th amendment. Wrong, and doesn't make a lot of sense - he was never saying the our right to privacy was surrendered to the government, rather, that it was protected from the government. However, the 5th amendment grants us a right to privacy in regards to the federal government and the 14th amendment grants us a right to privacy in regards to the state government (see Due Process).

      It's always fun(ny) to see what will get +5 merely for the act of sounding authoritative. It only sometimes correlates to actual merit.
    22. Re:Privacy Amendment by SoupIsGoodFood_42 · · Score: 1

      You're only quoting the first part. You left out: ..."against unreasonable searches and seizures, shall not be violated, and no warrants shall issue, but upon probable cause, supported by oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized."

      You can't just leave out part of the sentence, because that changes its meaning. They sure are identified, but it seems that they're identifying something different to what you think it is.

    23. Re:Privacy Amendment by wombert · · Score: 1
      Wrong, and doesn't make a lot of sense - he was never saying the our right to privacy was surrendered to the government,

      Now you're misreading what I said. Let me try to rephrase -- I don't think you and I are in disagreement over how we read the amendments (except I think you meant 4th instead of 5th).

      I was disagreeing with the assertion that the federal government protects an individual's privacy from being invaded by other individuals. (Which is how I read the original statement, "We have a right to privacy, as the 4th Amendment says. The government exists to protect it")

      The 4th Amendment does explicitly limit the federal government's ability to invade an individuals privacy - it doesn't limit it completely, but certainly limits it to reasonable searches with the proper warrants.

      My comment about whether a right was "surrendered" to the government was not a rebuttal to the original statement; rather, I was explaining my underlying logic:

      • Rights not expressly granted to the federal government in the Constitution are reserved to the states and/or people
      • The government is not given a right to invade your privacy because that's not granted to the government in the Constitution
      • The government is explicitly limited from invading your privacy without good cause and due process
      • However, the Constitution does not provide the framework for preventing individuals from violating each other's privacy; this is left to state and local law
      • Therefore, it is incorrect to say "the government exists to protect your right to privacy"

      And before anyone jumps in to say "the government exists to protect your right to privacy ... from government intrusion" let me point out that the original argument was specifically responding to the statement: "The fourth amendment places limits on government activity only. Nothing in the 4th amendment applies to a private party rummaging through your stuff."

      --
      Did I say overlords? I meant protectors.
    24. Re:Privacy Amendment by Sergeant+Pepper · · Score: 1

      Ah, yes, I was confused as to what you meant - I apologize.

      But as to 4th/5th, I did mean the 5th. I disagree that the Constitution does not give us a right to privacy from individuals. The 5th amendment says that "No person shall be...deprived of life, liberty, or property, without due process of law..." Given that the Supreme Court has said that Due Process gives you a right to privacy, it sounds like the 5th should prevent ANYONE from invading your privacy. It says "no person" and makes no conditions as to the perpetrator of the act.

    25. Re:Privacy Amendment by CrimsonAvenger · · Score: 1

      While the basic idea that a right that isn't explicitly granted to the Federal government is reserved for the State or "the People" is true

      No. Rights are something the People have. Powers are something the governments have. Any Power not explicitly granted to the Federal Government is reserved to the State or the People. But neither the Federal nor the State governments have any Rights whatsoever, either granted or reserved.

      --

      "I do not agree with what you say, but I will defend to the death your right to say it"
    26. Re:Privacy Amendment by Gandalf_Greyhame · · Score: 1

      As an Aussie, I have frequently joked around that NZ is a state of Australia, but I have never seen it written down anywhere.
      Now I want to go and check that out. You have given me something to do this evening.

      --
      I am not stubborn. I am right!
    27. Re:Privacy Amendment by forkazoo · · Score: 1

      But as to 4th/5th, I did mean the 5th. I disagree that the Constitution does not give us a right to privacy from individuals.


      It's reasonable (though not exclusively correct) to say that the Constitution doesn't have anything to do with a right to privacy from individuals. The Constitution can be viewed purely as a document which defines the federal government and grants the government specific powers. The assumption in this view (which was apparently held by some, but not all of the founding fathers), is that people have inherent rights. They exist independent of any paper, or government, or anything else. The constitution is just a document written by a bunch of free people who already had a bunch of rights to create an entity and grant it only a specific set of rights. Since the framers had all inherent rights, they naturally had the right to create a government, and to define what rights it had. So, you would have an inherent right to privacy, and the only thing mentioned in the bill of rights amounts to, "by the way, we didn't specifically grant this new organisation authority to invade our privacy, so just to be absolutely fucking clear, this new government thingie does not have the authority to arbitrarily invade our privacy."

      Likewise, how the first ammendment just talks about "congress shall pass no law..." Which wasn't meant to imply that state legislatures ought to, the text was just written that nobody would be dumb enough to create a state constitution which would grant a state the power to fuck with people's freedom of speech. Even so, we now have court cases where "our first amendment rights" can be used to overturn idiotic state laws.

      So, while a right to privacy from other individuals is certainly consistent with the constitution, one strict reading would make it clear that the constitution doesn't address our rights -- it only addresses the rights we chose to grant to the federal government.

      Obviously, this view was never unanimous, and is now often considered archaic.
    28. Re:Privacy Amendment by Bloke+down+the+pub · · Score: 1

      As an Aussie, I have frequently joked around that NZ is a state of Australia
      Could someone explain why it isn't - crikey, you nearly have the same flag! Is it because the dour presbyterian Scots didn't like being associated with convicts - or is it the other way round? Strewth!
      --
      It's true I tell you, feller at work's next door neighbour read it in the paper.
    29. Re:Privacy Amendment by Gandalf_Greyhame · · Score: 1

      I think that it is because we are still arguing over which one of us is really shagging the sheep (I think that it may actually be the Tasmanian's though)

      --
      I am not stubborn. I am right!
    30. Re:Privacy Amendment by Bloke+down+the+pub · · Score: 1

      That's totally unfair. Tasmanaians do not shag sheep - it would make their sisters jealous.

      --
      It's true I tell you, feller at work's next door neighbour read it in the paper.
    31. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      The important point here is the distinction between rights we have, independent of any constitution or government, and the government we create to protect it.

      We have rights like speech, press, religion (assembly, "security in our homes and effects", etc). "We" (our forefathers) created a government by the Constitution to protect those rights. Those instructions were formed in the light of the British and the war, so some specific recipes peculiar to that situation were highlighted, even if they turn out to be fairly universal (eg. quartering soldiers isn't really a problem outside that context, but it could be a serious breach if Revolutionary conditions were repeated, which is certainly not impossible). The Amendments specify what to do about protecting those rights, more or less narrowly scoped to the government itself, but in so doing they enumerate certain rights so there can be no doubt that they are to be recognized. Not recognized just by the government, but by everyone, which is the universal scope in which rights exist and have effect.

      Moreover, the Constitution is amendable (another right of the people made definitively clear by the creation of the Bill of Rights). Over the centuries, amending the Constitution's instructions for protecting our rights is subject to more change (eg. alcohol Prohibition and its repeal) than are our rights themselves, which don't change.

      That's the simple basic roots of our rights and protections. It explains why the government is always responsible for the maximum protection of our rights in public, where no (or minimum) private rights (and their protections) compete with the others operating in universal scope, with all the people in public having the same status (eg. not a host vs guest). The rights are universal, but their implementation and protection are subject to limitations and compromises with each other in the real, material world.

      --

      --
      make install -not war

    32. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      Real people are flexible and dynamic. So while some rights might be temporarily infringed (for arbitrarily long), such infringement causes the people to react badly. Ultimately the people will revolt to establish a government that better protects our rights. Whether that revolution succeeds, or establishes a better government, is largely contingent on more immediate factors like the strength of the old government and the strength of those interested in alternatives in the next one. But this is mass psychology, which isn't reliable in any given instance, but just statistically over the (arbitrarily) long term.

      This can also be said more obviously in terms of merely justice, which can be denied arbitrarily long, but eventually (and cumulatively) only to generate revolutions.

      The Constitution is such a work of genius that we can even see right at the outset the explanation of what a proper government will produce: "a more perfect union... the common defense... the general welfare... domestic tranquility...". Each and all of which are threatened by governments which don't protect our rights, whatever they are. The Constitution then goes on to identify several rights, assign responsibility to Federal or state governments or the people respectively (always reserving unspecified rights - and their protection - to the people except where the people have assigned them elsewhere to the states). But it also describes how to change those assignments. The difference between rights and their protections is that ignoring the rights doesn't make them go away, but ignoring the protections does in fact make the protections go away. So while the Constitution can get something wrong (eg. Prohibition, or presidential succession, or the procedure of electing senators...), that never changes the rights, which are inalienable.

      That structure also explains how every person in the world, regardless of nationality, can have those same rights, and be recognized as such by the US government, but the US government is not obligated to protect those foreigners' rights, because those foreigners also have the right to create their own governments. The US government is not the rights, it's the protections the US people have created for ourselves. While it might be in our interests, whether morally or geopolitically, to assist those other people in creating/reforming better governments, it's their problem, not ours, as a matter of necessity.

      --

      --
      make install -not war

    33. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      No, I left out the irrelevant parts that don't change its meaning. How does the rest of that sentence change the meaning I said, which is that the right to security of those things is is stated explicitly, followed by specific instructions that the governemnt is to follow to protect them?

      --

      --
      make install -not war

    34. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      You're not even paying attention here. Of course the 4th Amendment doesn't create a generalized right to privacy. The Constitution doesn't create rights. It says right in the Constitution that rights are inalienable, that they come from a "Creator" (whatever that is, which is a separate argument I'd be glad to win, it's not the Constitution). That the people have these rights, and create a government by creating a constitution giving it powers. Powers to protect those rights.

      We don't have to look at "intentions", which is anyone's guess even with private correspondence. Because what they signed, what we live under, what free people agree, is what's explicitly in the Constitution. We can see that indeed the 13th Amendment shows that the Constitution doesn't instruct only the government, but also those people living under the government. It protects people's rights. Or are you going to argue that people do not have a right to be free from slavery, or do so only because a group of people in the mid-1800s intended we have that right?

      Rights are universal. But just because the American people have created a constitution instructing our own government how to protect them, doesn't mean we're responsible for protecting other people's rights - even though they have them. Those people are responsible for creating a government of their own to protect their rights with the instructions they are free to specify. Of course the US government has a responsibility to protect American rights, wherever those Americans are located. And when Americans can see how rights can be violated, how a foreign case looks familiar here, we have the right, and the obligation to ourselves, to ensure our government is protecting our rights with instructions appropriate to the current threats. Which are usually new versions of the same threats our forefathers protected us against starting centuries ago, because our rights are still the same, and the value of infringing them about as persistent.

      --

      --
      make install -not war

    35. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      Fuck you. "Secure in their persons, papers and effects" necessarily means privacy. You don't even have the basic logic skills to understand that, and you're blabbering about "irrefutably"? The Constitution is a description of the real world, not just some word game, you stupid shit.

      --

      --
      make install -not war

    36. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      Even the Second Amendment doesn't say that only the government is prohibited from infringing the right to keep and bear arms. I bet that if the government didn't regulate gun sales, but a gun industry association cartel denied guns to some people (say, redheads), that the exact same gun rights people up in arms today would have the same problem about their right being infringed.

      And moreover, the Bill of Rights isn't different in character, scope or basis than are the subsequent Amendments. One of which is the 13th, which outlaws slavery, but clearly doesn't protect our rights to freedom from only government slavers.

      Elsewhere in the Constitution there are instructions for the government protecting us from each other, for example in copyrights. But the principle is obvious. Otherwise, where do government employees like police get their powers to stop me from robbing or killing you, since I'm not part of the government?

      This is a basic principle. The US Constitutional government wasn't just a handy ticket out of the monarchy. It was an epochal statement of something even more fundamental to humans than is government: human rights. It creates a government to serve, and be subordinate to, rights. Which are described very early in the document as inalienable. Fundamental, essential.

      --

      --
      make install -not war

    37. Re:Privacy Amendment by SoupIsGoodFood_42 · · Score: 1

      They do change it's meaning. I suggest you read it again. It quite clearly puts terms and conditions on that right, and therefore it can't be intrinsic, because if those conditions are broken, you loose the right.

    38. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      No those words don't modify the identification of the right. They specify how the government is to protect that right. There is no losing rights under any conditions. They are inalienable. Their protections might be suspended or abdicated, but the rights are forever.

      --

      --
      make install -not war

    39. Re:Privacy Amendment by SoupIsGoodFood_42 · · Score: 1

      If you can suspended or abdicated them, then that is not forever, is it?

    40. Re:Privacy Amendment by Doc+Ruby · · Score: 1
      Something that rarely ceases to amaze me on Slashdot is how people are so committed to arguing their point without even bothering to open their eyes that they will say something like that as if it might convince me of something.

      Their protections might be suspended or abdicated, but the rights are forever.

      That's the entire point of this tortured "debate". I did not say that the rights are suspended or abdicated, but that the government protections could be. I did not say that the protections are forever, but rather the direct opposite. Illustrating the essential point that rights are not given by the Constitution or the government, but rather only the protections are.

      I've done all that I can do for you. Evidently, I've actually done more than I can do for you. Goodbye.
      --

      --
      make install -not war

    41. Re:Privacy Amendment by Bryansix · · Score: 1
      Actually you took it out of context. The whole sentence is:

      The right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures, shall not be violated, and no Warrants shall issue, but upon probable cause, supported by Oath or affirmation, and particularly describing the place to be searched, and the persons or things to be seized.
      This actually could be interpreted many ways. The two most opposing ways are as follows:
      1) No privacy is guaranteed. The ammendment only exists to prevent the government from disrupting your life and the use of your property in their searches for criminal action.
      2) Privacy is always guranteed in any and all circumstances unless a search is reasonable or there is a Warrant and probably cause.
      There are a million other ways to interpret that sentence. Basically it comes down to it being overly nebulous and poorly written. It probably needs to be re-written after a concensus on it's real meaning is reached. Good luck with that though.
    42. Re:Privacy Amendment by Doc+Ruby · · Score: 1

      The sentence inarguably says that the people have a right to be secure against unreasonable searches and seizures. How else other than privacy can that be construed?

      There is a grammatical and absurdly reductionist logical case to be made that the sentence doesn't specify, for example, that a search/seizure cannot be constitutionally conducted without a warrant. But you and I are far from the first people to argue about this sentence. The Supreme Court, smart guys who generally understand rights and the Constitution, have consistently agreed that there is no such thing as a reasonable search without a warrant. It takes a much less astute, but still grounded in reality, analysis to see that without privacy, there is no security in papers and effects. In other words, "privacy" is another word for "security in papers and effects against unreasonable searches and seizures", though not limited to it.

      There is an argument to be made exploring "reasonable limits to privacy", starting with warranted searches/seizures. But that's the starting point, starting from a limited privacy right just as all arguments about rights must acknowledge some limits to rights, so long as they're reasonable. Which means "with reasons, governed by the faculty of reason", not just "some arbitrary declaration".

      --

      --
      make install -not war

  9. How?? by jackjeff · · Score: 5, Insightful

    How in hell is this possible?

    Isn't your bank the only institution able to transfer money out of your account? Don't you have to show your ID? Don't you have to sign some documents???

    My opinion is ID theft is only possible because the clerks in the banks are too lazy to check for an ID or a signature. Whenever you go to a bar in the US, they will look at your ID before they serve booze, but if you set up a $xxxx account/load no one will ever check it. This is just how ridiculous the system is. Account number without proof of identity should be as useless as a car without gas.

    1. Re:How?? by PJ1216 · · Score: 1

      Whenever you go to a bar in the US, they will look at your ID before they serve booze. This is true. But what about fake IDs? If a kid in high school can get a fake id, i'm sure its not THAT difficult to get a fake ID if you got the right info to put on it.
    2. Re:How?? by gnick · · Score: 1

      I know that, for US banks, this is fairly straight-forward. The institution needs the account number, routing number, and will often require a signature (that they have nothing to compare to.) Also, most banks require that the receiving entity be a valid business address (Diabetes UK should work just fine.)

      I assume that the UK rules are similar, but don't know for sure. Looks like a £500 lesson learned and a chance to open a new account.

      --
      He's getting rather old, but he's a good mouse.
    3. Re:How?? by jmpeax · · Score: 1

      Isn't your bank the only institution able to transfer money out of your account? Don't you have to show your ID? Don't you have to sign some documents???
      In the UK (I assume in the US as well), direct debits can be set up without needing to sign anything, so it can even be done over the Internet (that's how PayPal's bank transfer system works).
    4. Re:How?? by stranger_to_himself · · Score: 4, Informative

      Isn't your bank the only institution able to transfer money out of your account? Don't you have to show your ID? Don't you have to sign some documents???

      Not at all. I've just set up direct debits to pay my bills just by sending my bank account number to the electricity company. They do the rest. Presumably they just take my word for it that it's my money, and then the bank sets up the debit without asking any questions.

      Oh actually I think there was a 'this is not a fraud' tickybox.

    5. Re:How?? by gstoddart · · Score: 2, Insightful

      Isn't your bank the only institution able to transfer money out of your account? Don't you have to show your ID? Don't you have to sign some documents???

      No, you can sign a form with a company allowing them access to your account.

      I've done this with my insurance company for years. However, I won't let anyone else do it because I've heard too many stories of the company messing up and taking too much money too often or what have you. I don't remember the particulars, but I don't think I had to involve my bank in setting it up.

      I get asked to do it fairly often because companies like to sell it as a "convenient" method of billing -- directly taking money from my account isn't what I call convenient. It's convenient for them, but it's not happening.

      My opinion is ID theft is only possible because the clerks in the banks are too lazy to check for an ID or a signature.

      Well, the guy in the article had a similar opinion. I would say unless you really know every possible way this can happen, your blanket statement is probably no more valid than his was.

      I have no idea if the bank was the way this happened, or another mechanism was at play. Either way, I'm not gonna stop shredding my bank statements and otherwise keeping this stuff private. Because, quite frankly, I don't know enough about how to commit fraud other than to do what I can to make sure nobody ever sees it in the first place.

      I'm certainly not willing to bet that mis-handling at the bank is the only way this can happen.

      Cheers
      --
      Lost at C:>. Found at C.
    6. Re:How?? by Anonymous Coward · · Score: 0

      No, the only thing I need to transfer money out of your bank account is the account #. That is why it is a bad thing to give personal checks to people or businesses you don't know.

    7. Re:How?? by Anonymous Coward · · Score: 0

      hey, I've heard that car without gas can actually be useful for some thing called 'sex'?

    8. Re:How?? by jackjeff · · Score: 3, Informative

      I don't know the UK system very well, but I have lived in Germany and France for some time.

      Direct debit can only be set up for large institutions like major phone company, electricity company etc... These are either tight to a particular location or your ID is checked (for instance for mobile phones). It's pretty hard to do anything nasty with that.

      Wire transfer over the internet requires a one time pad in Germany. You receive a list of codes via secure mail (the same as the one used to send you credit card PIN). In France it sucks, but basically it is not so different from the US, you have to sign up for the service and various password / identification schemes are put in place (although they suck compared to the German OTP).

      In France one of my banks even required me to go to a branch to register the bank number before I could make a transfer.

    9. Re:How?? by SomeoneGotMyNick · · Score: 1

      hey, I've heard that car without gas can actually be useful for some thing called 'sex'? In that case, it's just like your credit. One mistake, and you lose financial freedom and are paying for it for the next 18 years or so.
    10. Re:How?? by Entropius · · Score: 1

      That's absurd, then.

      You can get a digital camera that fits in your pocket that has an angular resolution of 0.002 degree. (Panasonic FZ18, $299). If you want a little more resolution, put a teleconverter on it for a resolution of ~0.0013 degree. I doubt it would be very hard to disguise one of those and photograph people's checks (or, for that matter, credit cards at gas stations) from a significant distance away.

    11. Re:How?? by east+coast · · Score: 1

      Whenever you go to a bar in the US, they will look at your ID before they serve booze, but if you set up a $xxxx account/load no one will ever check it.

      What's worse is that if a bar serves an underager they get slapped with a fine and worse. When cashiers don't bother to check for ID and they let a fraudulent purchase get by there is no penalty for not following protocol. I know this is hard to enforce since it probably has no real legal leggings but it would seem that being able to sue companies that are negligent in this aspect would probably bring more companies inline with common sense procedures.

      I wonder how much that alone would reduce the problems of identity theft. I'm certain that there is no catch-all in this era but every bit helps.

      --
      Dedicated Cthulhu Cultist since 4523 BC.
    12. Re:How?? by Gyppo · · Score: 1

      Nope. You can go to many web sites and transfer money to them from a bank account electronically simply by providing your bank account number and bank routing number (which is readily available on paper checks). That's how I set up my automatic mortgage payments.

    13. Re:How?? by Anonymous Coward · · Score: 1, Informative

      The UK Direct Debit is allowed to be set up by certain 'trusted organisations' (eg utility companies, local councils) - it is widely used - if any query is made the bank refunds the money then sorts out the problem as all transfers should require a 10days notice sent to the registered address of the account

    14. Re:How?? by Albanach · · Score: 1

      Isn't your bank the only institution able to transfer money out of your account?
      Generally yes. The banks also approve companies and non profits who can then take part in the Direct Debit scheme. They can then set up a mandate and start collecting money from your account say as bill payment or a membership subscription. These transactions are covered by the Direct Debit Guarantee.

      Don't you have to show your ID? Don't you have to sign some documents???
      No, these can be set up electronically online or over the phone. Because of the arduous requirements to joint the Direct Debit scheme, the banks see little fraud. It is pretty much impossible to withdraw funds from someone's account for your own benefit, you can only give them to an approved company or charity.
    15. Re:How?? by Anonymous Coward · · Score: 0

      How in hell is this possible? Electronic check.
    16. Re:How?? by Anonymous Coward · · Score: 0

      1. The UK doesn't have IDs (not that the state issued driving licenses here in the US is a real ID as they keep telling us), and does not require such items for proof of identity. Although most people have passports, they're generally not needed.

      2. Clarkson has been on TV for many years, he's also very odd looking. I doubt anyone that has had a TV over the last 20 years wouldn't know who his is.

      3. To perform the financial transaction that took place, you either need appropriate online banking details to set up the standing order, or a signed form with signature and relevant banking details for sender and receiver to be filed with his bank.

    17. Re:How?? by dlim · · Score: 1

      Just a comment on the laziness of the banks: My wife and I each have a separate checking account and we have a joint account that we use for bills. Last year, I accidentally wrote our rent check from her personal account instead of the joint account. At the time we had completely different names, and the name I signed on the check didn't even resemble the name printed on the check. The bank cashed the check. Probably didn't even look at it.

      I don't know why people go through all the trouble of identify theft and forgery, when all you need is a blank check.

    18. Re:How?? by Anonymous Coward · · Score: 0

      Whenever you go to a bar in the US, they will look at your ID before they serve booze,

      WHAT!? ID to drink? Here in UK, you walk into a bar (we call it a pub) and order. I suppose someone will tell me that Washington told the states that they'd get no highway funding unless people showed ID to drink!

      Is this to stop bar fights - the barman can tell the cops who you are?

    19. Re:How?? by Josef+Meixner · · Score: 1

      Wire transfer over the internet requires a one time pad in Germany. You receive a list of codes via secure mail (the same as the one used to send you credit card PIN).

      They are called TAN-lists. The first time you receive that list of tans after you got your password in a different letter sent some days earlier. Later lists you get by mail as well, but you use one of the last remaining unused numbers on the old list to authorize the new one, so after you have used the first one nobody has much use for subsequent ones.

      In the last year most banks changed the system a bit. Now the number sequences are numbered themself and the banking app asks for a specific number. They sold it as a countermeasure to phishing, as a phished TAN would be worthless for the next transaction as it would with high possibility ask a different one.

      What is sad is, that it is a rather weak system, there is a much better one called HBCI. That one works with a card with a crypto chip and a card reader attached to the computer. Normally banks required "class 3 readers" which have their own keypad and display. When you do a transaction some of the details of that transaction would be shown in the display and you authorize the transaction over the keypad of the card reader. As the card reader only talks via a encrypted channel with the backing system it is quite secure. But it never was widely adopted as the readers were a bit expensive and banks prefer to use that TAN thing as it is cheaper for them.

    20. Re:How?? by j0nb0y · · Score: 1

      It's not the clerks. Most of this fraud occurs electronically... no one ever stepped into a B&M bank. No clerk was involved.

      The truth is that there is no security on checking accounts. If you have the routing number and the account number, you can clean out the account via electronic transfers. There is no authentication. And the owner of the account usually has to take the loss, at least until the bank is convinced that it was a fraudulent transfer.

      --
      If you had super powers, would you use them for good, or for awesome?
    21. Re:How?? by MagicM · · Score: 1

      legal leggings They finally made leggings illegal?! Awesome!
    22. Re:How?? by moosesocks · · Score: 1

      My bank sends me an email and a text message any time a direct debit, direct deposit, or credit card transaction is made against my account without the presence of a physical card or cheque, or if a transaction occurs in a foreign country.

      In this case, I could hypothetically phone the bank to block any fradulent charges before they even clear the bank, and block any further transactions.

      I'm not sure which banks offer this, but it's a fantastic feature to have. Of course, most banks also offer fraud protection.

      --
      -- If you try to fail and succeed, which have you done? - Uli's moose
    23. Re:How?? by megaditto · · Score: 1

      You know, one really has to be an idiot to pay one's utility bills using a stolen bank account.

      --
      Obama likes poor people so much, he wants to make more of them.
    24. Re:How?? by jackjeff · · Score: 1

      Yes. I forgot about the direct debit, but as you stress, it is pretty useless... I don't think ID thieves are so much interested in either sending money to charity or giving their real address for an electricity bill. In France, the requirements are so harsh that even charity organizations cannot be included in the Direct Debit scheme.

    25. Re:How?? by PhxBlue · · Score: 1

      Isn't your bank the only institution able to transfer money out of your account? Don't you have to show your ID? Don't you have to sign some documents???

      The short answer is, no. Someone at our base lost about $600 to a scam like this -- only it was worse for him, because someone managed to randomly generate his routing and account numbers. About the only way you can prevent something like this is by being OCD about your day-to-day bank transactions.

      Here's the original story if you're interested.

      --
      !#@%*)anks for hanging up the phone, dear.
    26. Re:How?? by TheVelvetFlamebait · · Score: 1

      Clearly your priorities are mixed up.

      Surely our children's sobriety is worth more than a measly $xxxx?

      --
      You know, there is a difference between trolling and pointing out the flaws in your reasoning. Just saying.
    27. Re:How?? by Anonymous Coward · · Score: 0

      Eh, maybe not so much if somebody is running a grow-op in a rental property under an assumed name.

    28. Re:How?? by grumbel · · Score: 1

      ### Direct debit can only be set up for large institutions

      At least in Germany you don't have to be very large institution, works for random internet shops quite fine as well. The thing that makes it relatively 'safe' against fraud is simply that you only can transfer from one account to another, so you always know where the money went, also you can get your money back within six weeks or so if it left your account via direct debit.

      That said, I still think its a very stupid idea to have the same account number for direct debit as you have for a normal bank transfer, since that means you have to give people from which you want money a number with which they can take money from you.

    29. Re:How?? by GaryPatterson · · Score: 1

      Are bank clerks well paid these days, or are banks cutting costs everywhere they can and paying as little as possible to these people? Why should the staff care? Are they paid to care? Do they have some sort of job security and loyalty from the company that helps them care?

      Or is it more that staff have personal pride in their work and mostly try hard but now and then stuff slips through?

    30. Re:How?? by aadvancedGIR · · Score: 1

      To be more precise, in France, permanent direct debit can be done by any business, not only the larger ones(but it's a very common way to pay electricity, phone, ADSL, insurance, and even loans or taxes), but you have to fill bank form to allow each particular business to debit your account and you can retract anytime and/or contest a payment if you think it was undue (of course, the bank will not always take your side, but it usualy does in case of doubt).

    31. Re:How?? by sqldr · · Score: 1

      You know, one really has to be an idiot to pay one's utility bills using a stolen bank account.

      Either that, or very, very clever.

      --
      I wrote my first program at the age of six, and I still can't work out how this website works.
    32. Re:How?? by itsdapead · · Score: 1

      Isn't your bank the only institution able to transfer money out of your account?

      The Banks have made it very easy to pay bills, subscriptions, charitable donations etc. by "Direct Debit" simply by giving your "public" account details (i.e. the stuff that is printed on every cheque that you write) with little or no further identification.

      The recipient has to be "known" by the bank, so its not so easy for A.N.Other to simply grab your money for himself, and there's a protective charter that guarantees that any mistakenly debited money will be returned, so its in the interests of businesses to check identities. Of course, that doesn't mean that the bank will pay up for any consequential damages if someone maxes out your account and your cheques start bouncing...

      The delicious irony in this case is that the victim is more or less obliged to let the charity keep the money.

      --
      In a survey of 100 programmers, 111111 thought that duck-typing was a good idea.
  10. Will it lead to stricter regulation of credit? by Reality+Master+201 · · Score: 4, Interesting

    It seems like making people paranoid about protecting their personal data is the wrong way to attack the problem, especially given the significant chance that whatever they do, some 3rd party will release that data and put them at risk.

    Instead, we should remove the incentive for identity theft and make it MUCH more onerous and difficult to get anything worthwhile out of stolen financial data.

    Plus, it'd be nice to not get those 10-15 credit card offers a week in the mail.

    1. Re:Will it lead to stricter regulation of credit? by Anonymous Coward · · Score: 5, Funny

      "Plus, it'd be nice to not get those 10-15 credit card offers a week in the mail."

      No, no, no! You're looking at this all wrong!

      I LOVE getting those free offers in the mail - but only the ones with the return-postage-paid envelopes.

      Did you know that you can tape that envelope to ANYTHING (almost...) that weighs less than 70 lbs.? And it will be delivered?

      That's how I get rid of my old 486, 386, etc computers. And I don't fill up MY landfill! (And they have to dispose of them correctly!)

      Sweeeet!!

    2. Re:Will it lead to stricter regulation of credit? by imipak · · Score: 1

      Instead, we should remove the incentive for identity theft Make the dollar worthless confetti? Oh, wait --
    3. Re:Will it lead to stricter regulation of credit? by slycrel · · Score: 1

      You should check out this website:

      https://www.optoutprescreen.com/

    4. Re:Will it lead to stricter regulation of credit? by CodeBuster · · Score: 2, Informative

      They changed the postal regs on that one a long time ago, at least here in the United States (I think it goes back to the Nixon presidential campaign during the 1970s when people were using his postage paid campaign fund raising envelopes to mail bricks and other heavy objects by taping the envelope to the object in question). Anyway, if it doesn't fit inside the standard envelope or weighs more than a certain low amount, less that 3.5 ounces and 0.25 inches thick are the maximum limits for standard envelope, it gets classified as "junk" and the post office discards it without actually sending it through. So while you are madly cackling with glee stuffing that postage paid envelope with "ballast" just remember to keep it under the 3.5 ounce limit so that it will actually get there and not get discarded as junk (i.e. they never get it and they don't have to pay for the cost of mailing) at your local post office before it is sent on through the system.

    5. Re:Will it lead to stricter regulation of credit? by Weirsbaski · · Score: 1

      Did you know that you can tape that envelope to ANYTHING (almost...) that weighs less than 70 lbs.? And it will be delivered?

      That's how I get rid of my old 486, 386, etc computers. And I don't fill up MY landfill! (And they have to dispose of them correctly!)

      A problem for them and useful for you- even I have to admit that's pretty clever. All the credit card companies ever got from me were a few phone books and a box full of rocks and metal washers.
      --

      I am not a sig.
    6. Re:Will it lead to stricter regulation of credit? by DisKurzion · · Score: 1

      No need to attach large objects to torment them. Simply include some printouts of certain... "artwork"

      Imagine the poor sap that opens it and gets an eyeful of tubgirl.

  11. Comment removed by account_deleted · · Score: 2, Informative

    Comment removed based on user account deletion

  12. Clarkson announced it on Top Gear by Manny_Bones · · Score: 2, Funny

    During the news segment this season. He somehow blamed it on using his credit card at the gas pump, whether or not it was while filling up his Lamborghini he didn't say. James May did not say "oh cock" to this.

  13. Hoist on his own petard by whitehatlurker · · Score: 2, Insightful
    Clarkson now says of the case: "Contrary to what I said at the time, we must go after the idiots who lost the discs and stick cocktail sticks in their eyes until they beg for mercy."

    I wonder if he poked sticks into his own eyes ... after all, he did exactly the same thing, the only exception being that he did it to himself, rather than to others.

    I can only hope he continues to contribute to the charity so he can stay humble.

    --
    .. paranoid crackpot leftover from the days of Amiga.
    1. Re:Hoist on his own petard by Anonymous Coward · · Score: 0

      He is a comedian who was saying something amusing. You are a humourless cunt. Hope this explains things.

    2. Re:Hoist on his own petard by MythMoth · · Score: 1

      Clarkson's job is to be entertaining, something he's very good at.

      Part of the job of revenue and customs is to protect the data that they're entrusted with. Something they're not so good at.

      --
      --- These are not words: wierd, genious, rediculous
  14. Direct Debit Guarantee by Albanach · · Score: 5, Informative

    To be fair what happened was someone set up a Direct Debit in his name, where a company or organisation can deduct money directly from your bank account. These are _very_ common in the UK, much more so than direct bill payment in the US.

    One of the reasons they are so common is that every transaction under them is covered by the Direct Debit Guarantee. Under this, he can get an immediate refund from his bank just by asking.

    The process of being approved to collect direct debits is pretty arduous, as the banks bear a lot of the costs if something goes wrong. At the same time, the consumer has a level of protection light years beyond that offered in the US for similar transactions.

    It's not that uncommon for friends exchanging money in the UK (say someone borrowed some cash for a night out) to simply hand over their bank details and get the money from their friend as an electronic transfer using online banking. In general it'd be pretty difficult for someone to take money from an individual's bank account, even knowing their details for their own benefit. I'm not even sure most online banking in the US lets you deposit money directly into another person's account?

    1. Re:Direct Debit Guarantee by Buradorii · · Score: 1

      I'm not even sure most online banking in the US lets you deposit money directly into another person's account? Most do. How easy it is to do depends on the bank, and if the transfer is intra- or inter-bank. For example, my parents and I use the same bank, and we can use the bank's website to instantly funds from one to another. As it is setup currently, I can only transfer out of my account, and they can only transfer out of thiers, but they could submit a signed form authorizing me to do a direct debt from thier account if they wanted to. All the one-way transfer setup needed was the destination account number, the submittal of a webform, and a three-day waiting period (which, when I set up for my account, I was able to have waived by calling the bank and explaining it was my parents account and they needed the money right away). A few years ago, when I had a roommate who was responsible for paying the rent, I was able to set up the ability to do an online transfer to his account at another bank, it took about a week to setup. Again it was one way only, but only because that was how we filled out the form. Had we filled out the other section, the direct debit option would have been available.
      --
      You can live your life in a thousand ways, but it call comes down to that single day...
    2. Re:Direct Debit Guarantee by Anonymous Coward · · Score: 0

      Sure they do. It's called "wiring money" and has a ridiculous fee that was probably reasonable (inflation adjusted, of course) before everything was computerized.

    3. Re:Direct Debit Guarantee by SoupIsGoodFood_42 · · Score: 1

      Know if it's the same case regarding the instant refund in NZ?

    4. Re:Direct Debit Guarantee by dotancohen · · Score: 1

      Sounds a lot like paypal.

      --
      It is dangerous to be right when the government is wrong.
  15. Strangely by Billosaur · · Score: 2, Insightful

    I still hear the LifeLock commercials on the radio as I drive to work all the time. I don't see how they can prevent someone from stealing your identity, especially if you're dumb enough to give out the information to people who will use it for nefarious purposes. If all there offering is a service to undo the damage, that might be useful given how time-consuming it is, but then can they necessarily represent you to organizations where you need the information changed or charges nullified?

    --
    GetOuttaMySpace - The Anti-Social Network
    1. Re:Strangely by mcsqueak · · Score: 1

      I don't see how they can prevent someone from stealing your identity

      The only way they can help prevent it is through the "fraud alerts" they submit for you every 90 days to the 3 credit companies. You can do this yourself, for free. I've done this, and the last time I applied for credit the bank institution called me up to ask me some questions and confirm I was actually me.

      They also get you off of the bulk mail lists for credit card offers and such. Again, you can do this yourself, for free. Do a google search for "opt out prescreen". I did this and have noticed a marked drop in credit offers. I think the only offers I get now are from companies that I currently do business with.

      Besides that, I don't know that they do anything else to "prevent" fraud. They do offer to help you fix your credit if you are defrauded, however.

    2. Re:Strangely by Blakey+Rat · · Score: 1

      Well, they ping you when somebody tries to grab a credit report about you. Unless you're in a auto dealership at the time, there's a good chance that that ping means someone's trying to steal your identity to get a fraudulent credit card or such.

      I'm not sure how easily you can act on this information... for instance, can you block the credit report from going though?

  16. available information vs. foot in mouth by MyNymWasTaken · · Score: 4, Insightful

    The information he gave out was the same information a person gives out when they hand over a check. It's analogous to a pundit loudly proclaiming that it is perfectly safe to walk around outside. This is then demonstrated by walking through a large crowd of people. Somebody decides to prove otherwise & stabs them in a non-lethal manner solely to illustrate the point.

    1. Re:available information vs. foot in mouth by smaddox · · Score: 1

      Except you don't usually send checks to people you don't know, unless you are buying something.

      So really, it's more analogous to a pundit loudly proclaiming that it is perfectly safe to walk around inside a prison. This is then demonstrated by walking through a prison with $100 bills stuck out of his pocket. Somebody decides to prove otherwise and steals the money solely to illustrate the point.

    2. Re:available information vs. foot in mouth by mibus · · Score: 1

      Except you don't usually send checks to people you don't know, unless you are buying something.

      A lot of people I know buy things. Funny that :-P

      (Of course, they typically use EFTPOS or cash for sub-$1000 amounts, but the point stands).

      So really, it's more analogous to a pundit loudly proclaiming that it is perfectly safe to walk around inside a prison. This is then demonstrated by walking through a prison with $100 bills stuck out of his pocket. Somebody decides to prove otherwise and steals the money solely to illustrate the point.

      I think that's a bit of an unfair analogy!

      I think Clarkson was wonderful for putting his details up - even though he turned out wrong, he stood up for what he believed in. He's also pointed out that despite the safeguards in place, that this type of identity fraud is still very possible - though not as easy to profit from.
    3. Re:available information vs. foot in mouth by Confuse+Ed · · Score: 1

      Exactly - and this highlights the problems we currently face with _not_ having some universally (or at least nationally) accepted form of identity proof.

      Ideally we need to have some form of secret ID proving information (the only one I can think of is to use RSA style certificates with proof of ID involving possession of a physical device that can authenticate using its private key). The nearest that most people have at the moment and are understood to be private are :
        - PIN numbers for credit/debit/cashpoint card (problem here being that you have to type in the 4 digit PIN in plain-text to various untrusted devices, so it can easily be stolen : though with chip-and-pin I don't know if the chip is doing some fancy public key handshake thing or not)
        - Demonstrating that you can write your signature in a reasonably natural looking manner
        - Possession of a (relatively) difficult document to forge / copy such as passport or driving license (the obvious problem - they are not really _that_ difficult to copy, and secondly there is no trusted relationship between your identity as verified by possession of the passport and other day to day activities such as trying to arrange to transfer money from your bank account to a shopkeeper to pay for goods at the checkout)

      Unfortunately many places erroneously trust various other pieces of non-private data to authenticate people such as :
        - Use of national-insurance number (is that equivilent to american SSN?)
        - bank account sort code and account number
        - knowledge of name, address and phone number
        - a facsimile of a signature
        - your company employee numbeer, salary, favourite colour and pet's name.
      Information such as this is not 'secret' and so should not be treated as private data sufficient for authentication (and subsequent authorization) from a security perspective, despite many people thinking of it as 'private' in social terms.

      So in conclusion I sympathise with Clarkson - the information he published should not have been sufficient for identity theft to occur, the problem is with those that accepted the information as valid proof of having authority to transfer money out of his bank account.

  17. Open Mouth. by AndGodSed · · Score: 2, Funny

    Insert Foot.

  18. Clarkson has a no-nonsense approach by daveewart · · Score: 1

    Regarding the recent loss of CDs containing data on 25 million UK people, Clarkson says: "We must go after the idiots who lost the discs and stick cocktail sticks in their eyes until they beg for mercy."

    Can't argue with that.

    --
    "If you think the problem is bad now, just wait until we've solved it." --- Arthur Kasspe
    1. Re:Clarkson has a no-nonsense approach by LWATCDR · · Score: 1

      Yea except he himself thought that it was no big deal to start with and harmless... So when does he start sticking those cocktail stick in his own eyes?

      --
      See my blog http://ilovecookes.blogspot.com/ for light hearted technical information.
    2. Re:Clarkson has a no-nonsense approach by dave420 · · Score: 1

      Yeah! Blinding someone for stealing CDs. Great idea.

  19. where are the class action lawyers? by peter303 · · Score: 1

    With all the money being lost in this kind of crime you'd think the vulture lawyers would be swarming all over the poor practices by financial companies. These companies have lots of money to "liberate". The crimes are utter negligence.

    1. Re:where are the class action lawyers? by CrimsonAvenger · · Score: 1

      With all the money being lost in this kind of crime you'd think the vulture lawyers would be swarming all over the poor practices by financial companies. These companies have lots of money to "liberate".

      Even lawyers are bright enough not to annoy the people who control their credit cards, credit histories, etc. Yah, sue them. But don't be surprised if your credit cards are all cancelled, your mortgage turned over to someone named Guido for collection, that sort of thing.

      --

      "I do not agree with what you say, but I will defend to the death your right to say it"
  20. Obligatory by mdonley · · Score: 1

    In Soviet Russia, identity steals YOU

    --
    God look at me, I'm just a man, but you tell me I'm not just a man, so hard to understand, after all, I'm just a man.
    1. Re:Obligatory by smurgy · · Score: 2, Funny

      This is your 3rd comment on /. - and your second one entitled "obligatory", containing an obvious joke.

      It's nice to see you've found a role within the community.

  21. Naiveate` by Burning1 · · Score: 4, Informative

    A lot of people are very naive about the security provided by credit cards and checking accounts.

    I used to run credit cards and EFT as part of a previous job, and I was responsible for setting up the system. The only thing I need for an electronic funds transfer is your bank routing and account numbers. All that information is available on a voided check.

    The only security you have, is that it's difficult to complete these kinds of transactions anonymously. Bank fraud is a big deal if you are caught.

    The same is true of credit cards. Your signature is a contract promising to pay. It protects the business against customers reversing charges on purchased goods. It is not used for authentication of any form.

    1. Re:Naiveate` by jrumney · · Score: 2, Informative

      The only security you have, is that it's difficult to complete these kinds of transactions anonymously.

      It's difficult to complete these kinds of transactions anonymously, and still get your hands on the money. Which is why the exploit in this case was to set up a regular payment to a charity.

    2. Re:Naiveate` by adrianmonk · · Score: 1

      The only security you have, is that it's difficult to complete these kinds of transactions anonymously. Bank fraud is a big deal if you are caught.

      This is the big difference between what I call the old and new approaches to security.

      In the old days, there were no computers, and virtually all transactions were performed manually by a human being. There was therefore usually a way to make sure only trusted people were performing the transactions, and in any case, even if the person was not trusted, there were usually two parties involved, which meant if someone person did something wrong during a transaction, there was usually an automatic eyewitness (the other person involved in the transition). With such assumptions, strong penalties (jail time, etc.) as a deterrent were an effective means to achieve the desired security.

      Fast forward to the present time, and transactions are done automatically. Usually, there is nobody to witness them. They are invisible. Bad things are still just as illegal, but transactions don't require the physical presence of two people in the same place (and there are zillions more transactions taking place), so the old means of providing security no longer works. But we keep trying to apply it anyway, because people don't like to re-think how things have been done for centuries.

      The new way of providing security, often used on computers, is to shift from making bad things feasible but very undesirable (as in the case where you can physically pull off the fraud but you'll likely get caught) to making them not feasible. This latter approach is the approach usually used in computer security, and it's what we need to shift to if we are to protect our identities (and other personal, private information).

    3. Re:Naiveate` by MaxInBxl · · Score: 1

      I think the word is "naïveté".

      Regarding the issue at hand, I was amazed at how easy the WWF (not the wrestling federation) set up a direct transfer from my account. I was approached by some WWF volunteers in the street, they gave me their pitch, and I decided to do a small gesture and give them something like 5 / mo or something. All I actually had to do was write down my name, address, account number and scribble a signature on a form. No ID whatsoever was asked, I could have put down anyone's name / address / account number / and signed Mickey Mouse as long as the account number was valid this would no doubt have worked. Anyway, a couple of days later the first transfer occurred. I didn't receive a call from my bank or anything such as that to confirm this new automatic transfer.

  22. It has to be said... by _xeno_ · · Score: 1

    Identity theft - how hard can it be?

    (And if you don't get it, watch Top Gear.)

    --
    You are in a maze of twisty little relative jumps, all alike.
  23. Re:To answer the question by gnick · · Score: 5, Informative

    Actually, it doesn't say that he was a victim of "identity theft". It says that he is an "Identity Theft Skeptic" and that he is a "Fraud Victim". The article called the crime "identity fraud" which seems accurate. Somebody said "These is my account information, please accept my money." - Perfectly describable as "identity fraud" and nearly enough for the article submitter to assume that the fraudsters were "identity thieves" as he described them.

    --
    He's getting rather old, but he's a good mouse.
  24. Re:To answer the question by raftpeople · · Score: 3, Interesting

    When it becomes "theft" is when someone steals an identifying document, such as a passport, social/national security card, or a driv[er's|ing] licen[c|s]e.
    So, if they steal a document then it's identity theft, but if they create a false document using accurate information, then it's not identity theft?
  25. Sheesh by Anonymous Coward · · Score: 1, Insightful

    It's funny, it's non-news for nerds, and it doesn't matter.

    Every SINGLE article has some troll saying that the article doesn't belong on slashdot, and subtly insulting the readers for being interested in it.

    Identity theft is a HUGE problem, and it also happens to be one in which many geeks are keenly interested. This particular story is interesting not only because it is identity theft related, but because it indicates that the public eye is being more drawn to the issue, and being forced to realize the seriousness of it.

    The story matters. The story is definitely news for nerds. Just because YOU find it boring doesn't mean that it doesn't qualify as a significant slashdot story.

    Yes, I realize that I just fed a very self-absorbed troll. All apologies.

    1. Re:Sheesh by ynososiduts · · Score: 1

      It's funny, it's non-news for nerds, and it doesn't matter.

      Every SINGLE article has some troll saying that the article doesn't belong on slashdot, and subtly insulting the readers for being interested in it.

      Identity theft is a HUGE problem, and it also happens to be one in which many geeks are keenly interested. This particular story is interesting not only because it is identity theft related, but because it indicates that the public eye is being more drawn to the issue, and being forced to realize the seriousness of it.

      The story matters. The story is definitely news for nerds. Just because YOU find it boring doesn't mean that it doesn't qualify as a significant slashdot story.

      Yes, I realize that I just fed a very self-absorbed troll. All apologies.
      I'm not self-absorbed, I just think it's pretty obvious that if you post your personal information on a public website that you're at a high risk of identity theft. That is not news. It matters in a certain way, but I really don't see how this story brings up anything new.
      --
      622677120
  26. skeptic is right by petes_PoV · · Score: 4, Informative
    The article called him a skeptic because he was skeptical that there was any danger in giving out his name, bank account details and hints of his address. This was a result of the furore about the 25 million NHS details that were lost last year - he didn't think there was anything to worry about.

    He was wrong and went on to say so

    --
    politicians are like babies' nappies: they should both be changed regularly and for the same reasons
  27. They didn't have a lot of choices... by Joce640k · · Score: 5, Informative

    In the UK you can only set up a direct debit to certain registered things, one of them being charities.

    The pranksters couldn't have set up direct debit to their own account, for example.

    --
    No sig today...
    1. Re:They didn't have a lot of choices... by ShieldW0lf · · Score: 3, Interesting

      This guy is a jackass.

      "I opened my bank statement this morning to find out that someone has set up a direct debit which automatically takes £500 from my account," he said. "The bank cannot find out who did this because of the Data Protection Act and they cannot stop it from happening again.

      Admitting the error of his previous article dismissing identity theft concerns, he wrote that, "I was wrong and I have been punished for my mistake." The incident seems to have changed his opinion about the risks to which the 25 million Brits have been exposed. "Contrary to what I said at the time, we must go after the idiots who lost the discs and stick cocktail sticks in their eyes until they beg for mercy."


      So, does that mean that every charity and bank out there who has to deal with administrative headaches because he gave his information away should get to poke sticks in his eyes?

      --
      -1 Uncomfortable Truth
    2. Re:They didn't have a lot of choices... by fabs64 · · Score: 1

      He said "the idiots who lost the discs".

      Also, you're aware that clarkson is a comedian yes?

    3. Re:They didn't have a lot of choices... by Bloke+down+the+pub · · Score: 1, Informative

      That's total rot. Unless telecom companies and other utilities are charities - and let me tell, you, they aren't.

      The point is that they (the banks) shouldn't be setting one up without explicit written authority from the payer.

      --
      It's true I tell you, feller at work's next door neighbour read it in the paper.
    4. Re:They didn't have a lot of choices... by Homr+Zodyssey · · Score: 1

      I believe the GP was pointing out that he was just as careless with his information as were "the idiots who lost the discs".

    5. Re:They didn't have a lot of choices... by Jerry+Beasters · · Score: 1

      So he claims. I've watched the show for a long time and never once heard him say a single funny thing.

    6. Re:They didn't have a lot of choices... by jeremyp · · Score: 1

      All you need to do to set up a direct debit is fill in the form the charity (or utility) gives you with your name and address, the name and address of your bank and your account and sort code and it's done provided the signature is convincing.

      --
      All I want is a secure system where it's easy to do anything I want. Is that too much to ask ~~ Randall Munroe
    7. Re:They didn't have a lot of choices... by greenrd · · Score: 1

      Moreover, celebrity signatures are readily available for many celebs, e.g. on Wikipedia.

    8. Re:They didn't have a lot of choices... by ultranova · · Score: 3, Interesting

      I believe the GP was pointing out that he was just as careless with his information as were "the idiots who lost the discs".

      The key word being "his", as opposed to "25 million peoples".

      There is a certain difference between being careless in a way which will cause you trouble, and being careless in a way which will cause other people trouble.

      --

      Forget magic. Any technology distinguishable from divine power is insufficiently advanced.

    9. Re:They didn't have a lot of choices... by iangoldby · · Score: 2, Informative
      Ahem. You didn't read what Joce640k wrote:

      you can only set up a direct debit to certain registered things, one of them being charities
      (emphasis mine). Telecom companies fall under the category of 'certain registered things'.

      Point is that you and the bank know exactly to whom the money has gone (they are registered) and you can always get the money back, no questions asked, through the Direct Debit Guarantee.
    10. Re:They didn't have a lot of choices... by ShieldW0lf · · Score: 1

      There is a certain difference between being careless in a way which will cause you trouble, and being careless in a way which will cause other people trouble.

      True. That's why only the people who either use banks or are involved with charity should be able to poke his eyes out for the inconveniences and added expenses he caused. Right?

      --
      -1 Uncomfortable Truth
    11. Re:They didn't have a lot of choices... by Kalriath · · Score: 1

      Who said he asked for the money back? If not, then he generated no overhead whatsoever (but likely gets a nice tax refund at end of year)

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    12. Re:They didn't have a lot of choices... by Kalriath · · Score: 1

      That's nothing. Where I come from, the banks accept photocopies of Direct Debit Authorities, and they can be reinstated by the party with the original by re-faxing it if you cancel it. It's the reason why after changing banks I outright refuse to use any form of direct debit payment, especially since our banks will not reverse a payment, even if it's unauthorised.

      Happy to use credit card though - WHAM chargeback!

      --
      For a site about things like basic rights, Slashdot users sure do like to censor "dissent".
    13. Re:They didn't have a lot of choices... by vakuona · · Score: 1

      He wasn't so much careless with it as he intentionally put in in a newspaper ad. Someone just obliged and set up a direct debit on his account. he will get the money back of course, but I am pretty confident he did it on an account he can live without, and which wouldn't have had too much money.

    14. Re:They didn't have a lot of choices... by CopaceticOpus · · Score: 1

      No, it means we should thank him for demonstrating this flaw in the current system, and work on a solution to prevent future abuses.

      (Not hard, either. Nearly every bank is online now. If a transfer request comes from an unrecognized source, the account owner should have to approve it online.)

    15. Re:They didn't have a lot of choices... by AigariusDebian · · Score: 1, Insightful

      Well, doh!

      It is absurd that a bank allows anyone access to you money without a piece of paper with your authorized signature verified in a presence of a bank official and cross-checked with you passport. Either that or the same level of security on the internet bank - use you standard two-factor authentication to log in, enter a code from you service provider, verify that the code matches up with the company that you want to pay to, set a monthly limit, confirm that with a one-time password and off you go: secure direct debit.

      It is absurd that such basic information as your name, bank account number, social security number and such can actually be used to harm you in any way shape or form. It simply shows the fatal immaturity of the banking system.

    16. Re:They didn't have a lot of choices... by FlightlessParrot · · Score: 1

      The guy *is* a jackass -- and it makes him a lot of money, and he seems to have fun. He started out as a mouthy, iconoclastic(ish) motoring journalist, kind of the P.J. O'Rourke of English motoring TV. But then he got to be a parody of himself. Still occasionally funny, though. But in this case he shouldn't have been being a jackass. Until recently, I occasionally made purchases with cheques. If it was at B+M, I'd write my address and phone number on the back. Sometimes the assistant would note my driving licence number on the back of the cheque. Everybody did this, and we didn't *think* we were being jackasses. What it shows is that a lot of stuff just happens, without the checks (not cheques) we all thought were in place. Oh, and the disks he refers to. In the UK there's a BIG scandal about how two CD-ROMs were made of the child benefit database, and sent by regular courier to another Govt. department. When they went missing, they just made another set, and sent them in the internal mail, too. 25 million sets of bank details, names and addresses. Clarkson seems to have been trying to suggest that this wasn't a proper cause for the hysteria that broke out, because the details could have been got in other ways, and weren't especially confidential. Seems he was wrong, but not jackass wrong.

    17. Re:They didn't have a lot of choices... by Anonymous Coward · · Score: 0

      No dude, he was talking about the guys who lost the Discs with the information on 25 million people, and as an extrapolation, to every person in the government / private sector, who is responsible with this kind of data, and doesn't take care of it.

    18. Re:They didn't have a lot of choices... by iainl · · Score: 1

      I'm not saying that Clarkson isn't an arse.

      But the details he 'revealed' in his column are in the hands of everyone you've ever bought something via eBay from with a cheque.

      The problem here is the system, not his arrogance.

      --
      "I Know You Are But What Am I?"
    19. Re:They didn't have a lot of choices... by jotok · · Score: 1

      Yes. But, they could have then defrauded the charity in question (I wonder how good their security is? If they are like most nonprofits, they get what they pay for, which is very little), effectively using it to launder the stolen money.

    20. Re:They didn't have a lot of choices... by Xenna · · Score: 1

      So, does that mean that every charity and bank out there who has to deal with administrative headaches because he gave his information away should get to poke sticks in his eyes?

      He was referring to some discs lost by British governments officials containing financial details of tens of thousands of people. After his recent experience, he apparently now considers this a serous problem. The officials are the ones that should be poked (hyperbole, he's not in Saudi Arabia).

      http://www.timesonline.co.uk/tol/news/uk/crime/article2983759.ece

      X.

    21. Re:They didn't have a lot of choices... by darthflo · · Score: 1

      The worst thing that could've happened, even when providing a serious account, are temporary liquidity problems. Direct debits can be disputed and will be refunded without any trouble. Same goes for fraudulous withdrawals. As long as you keep the secrets to yourself (PINs and the like), account numbers can be as public as you like 'em to be.

    22. Re:They didn't have a lot of choices... by delinear · · Score: 1

      It can't be used to harm you though. Direct debits are protected for this very reason, to allow maximum flexibility while providing peace of mind and security to the customer. The people most likely to be harmed here are the banks, who have to automatically refund any queried payment and perform investiations at their own expense into the allegations - they could quite easily lock the whole system down and make life more of a chore for their customers, so I think it actually shows a certain degree of maturity that they don't do this.

      I'm by no means a fan of the big banking institutions and believe many of their practices are questionable, but I don't think this is evidence of such; rather it's just more scaremongering on the part of the press who thrive on this kind of story.

    23. Re:They didn't have a lot of choices... by delinear · · Score: 1

      He was referring to some discs lost by British governments officials containing financial details of tens of thousands of people. After his recent experience, he apparently now considers this a serous problem.

      That was the GP's point. In this instance, Clarkson functions as the official - he is the one who was careless (he was also the victim, but he arguably invited just this outcome by his actions) and the GP is saying that this created problems for the people who have to clear up his mess. Of course, this is only an issue if Clarkson asks for the money back, which he probably won't.

    24. Re:They didn't have a lot of choices... by ShieldW0lf · · Score: 1

      No, it means we should thank him for demonstrating this flaw in the current system, and work on a solution to prevent future abuses.

      Or, maybe we just shouldn't structure our world in such an imbalanced way as to make stealing another persons identity seem appealing in the first place. Of course, you're not going to see a moron with his own TV show point something like that out, because he's one of the ones getting the long straw.

      --
      -1 Uncomfortable Truth
    25. Re:They didn't have a lot of choices... by CopaceticOpus · · Score: 1

      What are you suggesting? A communist utopia? The willful renouncing of material goods by all the well-to-do individuals in the world? Who do you have in mind with the power to "structure our world" as you phrased it?

      I don't think we're realistically going to get away from a world where some have more than others, and some others are jealous. Perhaps we can work to make things more fair, but even if that happens there will always be troublemakers out there. There's nothing bad about building a reliable, fraud resistant banking system.

  28. No, there are systems to do it by Sycraft-fu · · Score: 2, Informative

    In America the big one is the Automated Clearing House. That's how you do thing like automatic bill pay or such if you want. The company you are paying tells the bank "The customer for this account said I could have this much money," and the bank transfers it. Now the balance on this is that you don't just hop on the network. I can't just go and do an ACH debit from your account. Those that are part of the network are subject to strict regulations, once of which being you have to say it is ok for them to take money from your account. If they just do it without permission, they are in trouble.

    However, you would be right in thinking that this isn't perfectly secure. We live in a world of imperfection, however, and usability is balanced against security all the time.

  29. Credit Cards by labnet · · Score: 1

    What really annoys me is I cancelled an Amex card over a year ago, and they still accept automatic debit charges.
    I got a statement only yesterday from an ISP I forgot to change my card with. I rang Amex and said, please reject the charge, but they outright refused saying even though the card was cancelled, my 'contract' of automatic direct debit takes precedence.

    --
    46137
    1. Re:Credit Cards by cdrguru · · Score: 1

      Thank the scammers and the idiots that sign up for stuff with no intention of paying. They would just cancel the card and figured that would relieve them of any further responsibilities.

      The scammers benefited from this as well, because you have these "impossible to cancel" things.

      The solution is pretty simple, and it worked for 50-60 years before: don't sign up for stuff you don't want. And assume everyone is going to steal your money if you give them half a chance.

    2. Re:Credit Cards by locofungus · · Score: 1

      Assuming you are in the UK, you write to Amex saying you are cancelling the DD mandate. You CC a copy to your bank.

      If Amex ever take money again after that they you contact your bank under the DD guarantee and they must[1] immediately refund the money (you might have to argue a bit with the telephone droids) and then the bank can fight it out with Amex to get the money back.

      The thing with direct debits that people don't understand it that they can only be cancelled by the recipient of the money. That sounds dodgy, except that, if you tell the recipient to cancel the mandate then they must cancel it, and, once you've told them to cancel it you've got the cover of the DD guarantee if they ignore your instructions. (Hence why I said CC your bank)

      [1] legally, it's not always trivial in practice but always possible.

      Tim.

      --
      God said, "div D = rho, div B = 0, curl E = -@B/@t, curl H = J + @D/@t," and there was light.
  30. Exactly by EmbeddedJanitor · · Score: 1

    Clarkson is primarily an entertainer. 500 quid for a gag like this is pretty cheap. Like all entertainers, Clarkson takes liberties with the truth. I would not be suprised if the whole thing is a scam done for a bit of a laugh.

    --
    Engineering is the art of compromise.
  31. It only works for certain registered entities... by Joce640k · · Score: 1

    UK law allows you to set up direct debits to certain registered entities without too much verification. The pranksters simply chose one of them.

    There's no way a thief could transfer money to their own account (in theory).

    --
    No sig today...
  32. I wasn't even aware... by Atroxodisse · · Score: 1

    ...that there is such thing as an identity theft skeptic. What idiots don't believe that it is possible? It's somewhat like being skeptical of the moon.

    --
    Read my short stories - You won't regret it.
    1. Re:I wasn't even aware... by ericferris · · Score: 1

      As far as I understand, it started with people wondering why Clarkson wasn't going ballistic after the poor IT management practices of UK government agencies were recently revealed (again). For some reason, he decided to cut them some slack on this one and to de-dramatize the situation. Maybe he didn't want to look like he was a kneejerk critic of the Labor gummint. After all, these days, everybody is slamming them, and contrarians like him will always try to go against the flow. Turns out it IS really a big deal, after all, and that you can't go wrong bashing an agency run by Labor politicians. :-)

      --
      Fantasy: http://ferrisfantasy.blogspot.com/
    2. Re:I wasn't even aware... by jammo · · Score: 1

      Seen the Truman Show? I got my beady eye on that suspicious light in the sky. To be fair though, if identity theft were such an efficient criminal activity, we'd be screwed. Apparently all of our personal details are posted out on CDs from pretty much all local councils. Information which we're legally obliged to provide by the way, couldn't believe this story but then again... http://www.bbc.co.uk/consumer/tv_and_radio/watchdog/reports/consumer_goods/consumer_20080109.shtml There's supposedly a tickbox to opt OUT of being targetted, damned if I can remember seeing it. If I wanted to, I could buy personal details at £1.50 per 1000 records from any council having presumably set up a fake company like Assassin's Guild Ltd or something. There's no-one to stop me, as they are also legally obliged to provide this information, again let me emphasise, by CD throught the post! Class.

  33. Re:To answer the question by plague3106 · · Score: 1

    From wikipedia: "Identity theft is a catch-all term for crimes involving illegal usage of another individual's identity."

  34. Really? by meeya · · Score: 1

    if you don't mind ,is it still available on the web site?

  35. "The stupid kid who gets his tater tots stolen... by Anonymous Coward · · Score: 0

    every day? He steals your tater tots."

  36. Data protection act ? by Alain+Williams · · Score: 4, Interesting
    Why the F should the data protection act stop the bank investigating fraud ? What questions are the bank prohibited from asking ? In the UK the data protection act is often used by organisations as an excuse to not do something - quite often because the are too lazy to do a proper job.

    If a crime bas been committed the police have good reason to seek to have privacy doors opened - perhaps with the oversight/approval of a judge. Recent UK legislation is giving civil servants wide investigation powers - without judicial oversight.

    This smacks of an excuse.

    1. Re:Data protection act ? by locofungus · · Score: 1

      I think it's more a case of the bank aren't able to get the IP address of the person who actually set up the DD.

      The charity are not allowed to release that information to the bank, even in the case of fraud. Maybe Clarkson has decided to take this hit and has not requested the money back and has not made a complaint to the police.

      Therefore there's nothing that the bank can do. Only the police have the powers to request the information that would be needed to investigate this fraud from the charity.

      Tim.

      --
      God said, "div D = rho, div B = 0, curl E = -@B/@t, curl H = J + @D/@t," and there was light.
    2. Re:Data protection act ? by shilly · · Score: 1

      I think you're right. Lazy right-wing mean-minded tossers like Clarkson repeatedly claim that organisations they don't like are using the Data Protection Act as an excuse for not doing their job properly. They thus beat up the organisations and the Act, when of course they should be beating up themselves. I'd particularly like to see Clarkson give himself a good kicking.

  37. Amendment 9 by Anonymous Coward · · Score: 0

    The enumeration in the Constitution, of certain rights, shall not be construed to deny or disparage others retained by the people.

    1. Re:Amendment 9 by Doc+Ruby · · Score: 1

      Exactly.

      --

      --
      make install -not war

  38. Actually... by Anonymous Coward · · Score: 0, Redundant

    It says they took £500, not $1000.

    1. Re:Actually... by Anonymous Coward · · Score: 0

      Ooops - sorry!

      I guess today it's more like $2,000 US.

  39. LOL @ the dunce by TheHorse13 · · Score: 1

    I'm so sure that my cyber-crime computer lessons will do everything I claim that I want you to try them for FREE*. If you're not completely satisfied, I'll even refund your shipping and processing fee. It's that simple. Try my product. You have nothing to lose and a wealth of computer skills to gain. John W. Scherer

  40. How Many Different Ways.... by mpapet · · Score: 2, Insightful

    Can this topic come up and not a single person asks ANY of the following questions:

    1. I get someone elses ssn, and I'm off to the bank. (or whatever) Why is the process that associates a unique identifier (U.S. = SSN) with financial activity so simple?

    2. Why does "sucks to be you" suffice every single time this issue comes up?

    3. While individual financial data is available to the financial institutions, it's totally opaque to the consumer. Ex. how is my credit score calculated? How come consumers have practically no control over it?

    4. The risks of an easy credit system far outweigh the benefits and yet no one seems to acknowledge this. An indirect example of this is the bad packaged loans that are driving the current "credit crunch."

    Transparency is the keystone to a healthy economy and yet there's less and less with each passing year.

    --
    http://www.maxineudall.com/2010/02/should-economists-be-sued-for-malpractice.html
  41. ok, a bit of the florida coast... by Scrameustache · · Score: 1

    America is The name of the continent on which many countries, including the one you're talking about, are located.
    It is named after an Italian mapmaker, from drawings that did not feature the country you're discussing.

    You may resume defending your rights.
    --

    You can't take the sky from me...

    1. Re:ok, a bit of the florida coast... by Mister+Whirly · · Score: 1

      Well, technically there are two continents - North America and South America. Sometimes these are combined as "the Americas", but I have never seen both continents referred to as "America" collectively before. And name any other country, besides the United States of America, that goes by the shortened term "America". I'll give you a hint, there aren't any. So thanks for the history lesson, and you are welcome for the common usage lesson.

      You may resume splitting hairs.

      --
      "But this one goes to 11!"
    2. Re:ok, a bit of the florida coast... by ChocoboKnight · · Score: 1
      It depends on where you were taught, because in Russia and in Latin America, North and South America are seen as one single continent, as they are one large landmass (dividied artificially by the Panama Canal) (Reference here).

      In other languages, like spanish, when you talk about America you are talking about the continent. So it all depends on where you are coming from. I know this is /. and a big part of the audience is in the US, but not all.

    3. Re:ok, a bit of the florida coast... by Eternauta3k · · Score: 1

      I used to think the same, but it turns out, in English, the continent is referred to as "the Americas" and America can be used for the country.

      --
      Yeah. Would you choose a neurosurgeon who pokes around people's brains in his spare time? I wouldn't.
    4. Re:ok, a bit of the florida coast... by Scrameustache · · Score: 1

      I have never seen both continents referred to as "America" collectively before. Your ignorance is duly noted.
      Interestingly, you obviously didn't even look at the map linked in the post you responded to.
      --

      You can't take the sky from me...

    5. Re:ok, a bit of the florida coast... by Mister+Whirly · · Score: 1

      Yes, I did. The article stated that there were 6 or 7 continents. A little picture on the side stated that sometimes North and South America are considered one continent. From the article you linked -
      "A continent is one of several large landmasses on Earth. They are generally identified by convention rather than any strict criteria, but seven areas are commonly regarded as continents - they are (from largest in size to smallest): Asia, Africa, North America, South America, Antarctica, Europe and Australia."
      "North America and South America are now treated as separate continents in much of Western Europe, India, China, and most native English-speaking countries, such as the United States, Canada, Australia, and New Zealand[citation needed]. Furthermore, the concept of two American continents is prevalent in much of Asia."

      So not really so much ignorance as what I was taught due to where I am from, the same as a good percentage of the rest of the world is taught.

      --
      "But this one goes to 11!"
    6. Re:ok, a bit of the florida coast... by Scrameustache · · Score: 1

      So not really so much ignorance as what I was taught due to where I am from Ignorance still, but you were the victim of a campaign of misinformation, so you were not at fault for your own ignorance.
      It is an emotionally potent oversimplification, much like pictorials of the prettiest people in one city of California end up being the prettiest people in The World when the media touts them.
      --

      You can't take the sky from me...

    7. Re:ok, a bit of the florida coast... by Mister+Whirly · · Score: 1

      I could say the same about what you were taught, but I won't. Neither one of us is wrong, there is no such thing as "one correct answer". Seeing as everyone else where I live is taught the same, (and to a big part of the rest of the world) I don't feel that this is "ignorance". If you can explain how all the english speaking countries are wrong, and Latin America and Russia are right, I'm all ears.

      --
      "But this one goes to 11!"
    8. Re:ok, a bit of the florida coast... by Doc+Ruby · · Score: 1

      There is only one country called "America", the USA. There are two continents called "America" (though usually North or South America). Continents don't have constitutions (the EU and "Australia" notwithstanding), countries (or other federated political unions) do.

      It's clear we're talking about the country called "America", not a geographic region, because we're talking about its government (and the events of its founding in a past more recent than hundreds of millions of years ago).

      You can try to split hairs, but you just grasped the wrong one.

      --

      --
      make install -not war

  42. No... Hell No by Anonymous Coward · · Score: 0

    The Constitution has nothing to do with protecting one person from another. The Constitution grants certain rights to the government and spells out certain procedures of government. Other than prohibiting the keeping of slaves, it does not concern itself with anything that is not a government act. Please pay more attention in class.

    1. Re:No... Hell No by Doc+Ruby · · Score: 1

      Just because you say so, who cares? You don't even have a flimsy Slashdot ID to see whether you've asserted things in the past, perhaps with a shred of reason attached.

      BTW, you can't just say the slavery example must be disregarded, because you say so. It is in fact a perfect example of how the Constitution is instructions for a government to protect our rights, whether from the government or from one another. Copyright is another, and there are others, too. But who cares? You'll just insist the Constitution is whatever you say it is. So what?

      --

      --
      make install -not war

  43. Wrong Focus by Anonymous Coward · · Score: 2, Insightful

    The report here should not be that some person had their identity stolen.
    The report should be that some dumb bank transferred funds without checking identity.

    The sooner we put the right focus on this problem, the better. It shouldn't be called identity theft. It should be called bank malfeasance.

    When somebody walks into Citi bank and tells the teller my name, the teller shouldn't hand all my cash over to that person. That isn't identity theft; it is complete incompitence, or worse, collusion.

    Don't report the name of the person whose account was abused. Report the name of the bank, and the name of the employee that allowed it. Put the focus where it belongs on these crimes. And in the case of this high profile personality, at least report that he has decided that Bank XYZ is completely incompetent and has moved his account to Bank ABC (complete with new bank account #).

    1. Re:Wrong Focus by grumbel · · Score: 1

      The problem is that direct debit by design doesn't require proper ID check.

  44. Re:To answer the question by Anonymous Coward · · Score: 0

    You've confused identity thief with identification thief. Identity thief is impersonating someone for financial gain and rarely (almost never) involves stealing identification papers.

  45. Banks and businesses should take the heat by amadeus733 · · Score: 2, Insightful

    If someone steals money from my account it is totally up to bank to deal with it, I usually don't care and in only one occasion when something happened I got my money back in hours. Law should put all responsibility in these cases on thieves and companies who failed to verify identity. If companies and financial institutions would be held responsible for not validating customer's identities properly I guess identity fraud cases will drop dramatically. If they afraid to make few extra checks in fear of losing few customers why would others suffer? My grandmother used to say "Trusting people is just a romantic stupidity".

    1. Re:Banks and businesses should take the heat by Shados · · Score: 1

      Its not quite that easy... There's a question of convenience here, and do too much, and your customers get fed up.

      Take Visa's "Verified By Visa" program. For a long time I'd systematically avoid online stores requiring it. Its just one more password I have to remember or store in a password manager, I always forget the darn thing, and if it takes me more than 3 tries to remember it, I have to call my back to get the freagin card unblocked. Its total hell.

      Now, not long ago, I got my debit card cloned (ironic, considering I am far far more careful than most with it, and always keep my eyes on it when I use it to avoid a moron swiping it twice or other schemes...but guess I must have been sleepy on that one day...).
      Now, after getting it fixed, as a security policy, my bank's web site requested I answered security questions (You know the kind...whats the name of your first dog, whats your favorite food, what school did you attend...).

      Well, the darn questions required a case sensitive, exact answers, and I entered the questions YEARS AGO.
      So the question comes in. "Whats your favorite food". Well, first, my favorite food changes every so often... but luckily for me, it hadn't since I had entered it. Its a curry dish, so I go:
      I enter "Curry". Wrong, try 1.
      Ok, its case sensitive, so:
      I enter curry. Wrong, try 2. Oh right, its not curry, its curry CHICKEN. OK.
      Curry chicken. Wrong, try 3. "You must contact the bank at this phone number blah blah your account has been locked..." It was curry chicken, all lower case, blah.

      Now I call the bank. "Can you give us the last few transactions you made please?". I provide them. "What was the exact date, time and amount?" OK WHAT THE HELL. I dont remember. "Sorry sir, you'll have to go to the bank and talk to a representative in person.

      Well UGH. So I go. You need 2 ids to get it reset, two PHOTO ids... I have two. A state id card, and a passport (even though i'm pushing on my thirties, I never learned to drive...never needed to, with subways next door and buses coming every 5 minutes). They wouldn't take a passport, people usually show a driver's license, so they didn't know how to handle it. Had to wack at the supervisor, but eventually I got through. Result: quite a few days without access to my money.

      Now I'm semi patient. Most average joes aren't.

    2. Re:Banks and businesses should take the heat by shish · · Score: 1

      If someone steals money from my account it is totally up to bank to deal with it

      Like it's the education system's responsibility to make sure you pay attention in class, TV's responsibility to raise your kids, and the government's responsibility to make sure you have a nice house and car? Sure if someone physically breaks into the bank then you can blame their security; but if you've been careless with your private financial details, then that's your own damned fault :-/

      --
      I mod down anyone who says "I will be modded down for this", regardless of the rest of their comment
    3. Re:Banks and businesses should take the heat by stewbacca · · Score: 1

      So wrong on so many levels. The interest and fees we pay on loans and accounts soundly shifts the responsibility to the banks.

    4. Re:Banks and businesses should take the heat by amadeus733 · · Score: 2, Insightful

      No it is not my responsibility to keep my financial or any other details private. I don't think this details are _private_ or _secret_ in first place, and in fact they are not. You give SSN to your employer, checks to your landlord address to a website when you order books. All of that information was NEVER MEANT TO BE SECRET. It is clearly in corporate interests to convince people that keeping this data secret is their (customer's) responsibility - they can do more business faster this way. Only reason it works is that many corporations rely on data provided by agencies like Equifax. Credit agencies do not require company to provide solid proof of identity in case of non-payment, where for example for criminal cases identity of the offender taken very seriously. Take an example - someone used your when buying a gun and kills someone with it. Perhaps you will be questioned, but you won't spend time in jail in this case right, you wouldn't even care because it is police responsibility to prove your guilt in this case, right? Now if I am your bank and I send a report to credit agency - everyone suddenly believe that that was you who did not pay those $5000 from credit card. No one will bother to clear your name if that was not you. You see where problem is? Problem is that corporations built a world wide SYSTEM of financial institutions and corporations where interests and right of consumer like you are me simply IGNORED as soon as they can profit on us.

    5. Re:Banks and businesses should take the heat by Christoph · · Score: 1

      AGREED. If it's really my job to be paranoid, I can do that: I'll never give anyone a check (so now it's a savings account) and I'll never give out my credit card number or let anyone swipe it (so now it's a paperweight).

      That's not the idea of our financial system, there is a balance, and the crisis is not with millions of people are posting their credit card numbers online -- it's with reckless credit. Blaming consumers is so absurd, and I find it hard to understand why so many people, people who are NOT careless with their personal financial information, buy into the idea that if someone else commits fraud, they are responsible.

  46. Jeremy Clarkson for Prime Minister by LloydPickering · · Score: 1

    Interestingly, A little under 40,000 people in the UK want Jeremy Clarkson as Prime Minister, and have signed a petition on the Downing Street web site http://petitions.pm.gov.uk/PMClarkson/. Ironic that the reason he got stung was trying to disprove the risk of ID theft after the recent child benefit data loss. I guess he really is suited for the job.

    1. Re:Jeremy Clarkson for Prime Minister by Darundal · · Score: 1

      Actually, looking at the list of signatories (it only displays the 500 most recent), I think it would be a safe bet that the number of people who want Clarkson in as PM would be significantly lower.

    2. Re:Jeremy Clarkson for Prime Minister by stewbacca · · Score: 1

      I'd vote for Clarkson, but I'm American. Plus he's a hypocrite for bashing American cars (while lauding crappy British ones), yet he owns a Ford GT. Other than that, he's brilliant. Top Gear needs to be aired in the States, just to show how bad our tv shows really are.

    3. Re:Jeremy Clarkson for Prime Minister by 2sheds · · Score: 1

      Correction: he owned - past tense - a Ford GT, for about a month, during which time he did very little actual driving around in it due to it breaking down constantly. He memorably described his time with the car as 'the most miserable month's motoring possible', and the GT itself as the 'the most unreliable car ever made'. Ford gave him his money back.

      What was that about crappy British cars?

      They're perfectly happy to rave about American cars on TG when they deserve the praise. Than man's wedding car was a bloody Dodge Viper!

      --

      Absit Invidia
    4. Re:Jeremy Clarkson for Prime Minister by Anonymous Coward · · Score: 0

      Hardly a suprise.

      After all, Tony Blair got in and David Cameron probably will next :p

      Britain is less and less capable of voting in intelligent people good at the job and looking more and more like the idiot choices the US makes in electing presidents/governors in recent years.

      Clarkson appeals to the idiot majority and as our population gets less and less educated our government gets more and more incompetent.

      Unfortnately, this is the downside of democracy.

    5. Re:Jeremy Clarkson for Prime Minister by stewbacca · · Score: 1
      Oh, there's nothing good about most American cars, if that's how you took my post. The best ones are Fords made for the European market, so to that extent, the best UK cars are Fords ;-)

      I thought I heard that bit about Clarkson getting rid of the GT but I moved back to the US and can't really find TopGear outside of bittorrent. I DO recall him loving everything about it, in spite of the reliability problems. Then again, you make a super car like that, and they all kinda suck on a reliability level, don't they?

      The bit about crappy Brit cars is that the good one (mini) is made by BMW in Germany. The nice ones to look at (DB9 and DB7) are about as reliable as a Ford GT, but slower. The other ones (Rover) are bankrupt ;-) The moderately successful ones (Vauxhall) are merely clones of other GM products offered in other countries (Chevrolet and Opel come immediately to mind). Actually, I'm failing to think of any good UK car at the moment (Lotus Esprit, maybe?).

      Disclaimer: I drive an old-ass 1999 Ford Contour SVT (basically a Euro-spec Mondeo produced for the 3,000 Americans per year who could appreciate that sort of thing). I presume the near flawless repair history of my vehicle comes from superior engineering and not manufacturing techniques, given the woefully average reliability of US spec Contours.

  47. Clarcson manages to be both an idiot and a genius. by lattyware · · Score: 1

    God, Clarkson is a Genius, yes, he may act like an idiot sometimes (case in point) but for humerous value, it's incredible, and he is a guy you can relate to - everything he says, if you agree with it or not, you can see where he is coming from, and laugh at the way he presents it. Much like Zero Punctuation or for the more adventurous, Encyclopedia Dramatica. Recently there was a petition signed by many on the UK Government's website for Clarkson to become prime minister - everyone likes the guy. He always does the thing deep down we all want to do - the stupid thing that seems the most fun(ny).

    --
    -- Lattyware (www.lattyware.co.uk)
  48. I thought security through obscurity was baaaaad? by Anonymous Coward · · Score: 0

    Most of you have scoffed for years at anyone using security-through-obscurity in any security model at any level, yet by making fun of people who have been exploited for revealing account information in public you are clearly upholding the principle.

  49. mod parent up by Reality+Master+201 · · Score: 0, Redundant

    Genius.

  50. This is rubbish by Anonymous Coward · · Score: 0

    He's not going to lose anything. The Direct Debit guarantee will see he gets every penny back. You won't see anyone transfer cash out of his account via any method other than via Direct Debit. His point really is proved so far.

  51. He was Warned, But So Are Others... by BoRegardless · · Score: 1

    And many computer users do nothing to stop the breaches on their computer.

    I showed a friend (high up attorney) who does some legal work at home, though his kids do most of the time on his HP, that someone has control of his PC. 60-90% CPU cycles going constantly with no applications running while on his DSL line. Warned him of the consequences.

    6+ months later, he has not changed a thing. What can you do?

    Next I'll find out they threw a key logger on his machine and stole something, and he will be complaining.

    1. Re:He was Warned, But So Are Others... by PhxBlue · · Score: 1

      What can you do?
      Call his ISP and report him -- because at the point you notified him and he did nothing about it, he became an accomplice to whatever's being done on his computer.
      --
      !#@%*)anks for hanging up the phone, dear.
    2. Re:He was Warned, But So Are Others... by stewbacca · · Score: 1

      What do you expect him to do? Drop his law business completely so he can spend the 12-20 hours a day it would take to become an expert in combating hackers?

    3. Re:He was Warned, But So Are Others... by freedom_india · · Score: 1

      No. I expect him to sue Microsoft for not securing his PC.
      After all if i buy a mattress today and the spring pokes in my bu!t tomorrow, i can sue the maker for damages.
      Plus he being a lawyer and all am sure he can find some clause to make ballmer throw more chairs.

      --
      "Doing what i can, with what i have." ~ Burt Gummer
  52. Re:I thought security through obscurity was baaaaa by multisync · · Score: 2, Insightful

    Most of you have scoffed for years at anyone using security-through-obscurity in any security model at any level, yet by making fun of people who have been exploited for revealing account information in public you are clearly upholding the principle


    Not revealing your social security number isn't "security through obscurity" any more than not leaving the combination of the safe on a post-it note stuck to the safe door is.

    An example of "security through obscurity" would be "nobody knows about this money I have hidden in my sock drawer, so it must be safe."

    Gee, did I just fall for a troll?
    --
    I don't care why you're posting AC
  53. Information != ID by davburns · · Score: 3, Insightful

    I think this is possible only because people confuse information about an identity with that identity, and therefore believe that knowledge of that information proves that the person is who they say they are.

    I think there's way too many people and organizations with legitimate access to all kinds of information about me for me to consider that my SSN (or an account number that's printed on every statement that goes through the mail, or 16+4+3 digits on a credit card) is a good shared secret between me and my bank (or employer, or anyone.) Then, there's all the people who have illegitimate access.

    We still use this because... it works "well enough." Banks make enough that they can cover the loss from a few fraudulent loans. And a person having to clean up a credit record is a PITA, but it's doable. And it's an externality from the bank's perspective.

    Thinking about this, I don't have a real solution. It's advisable to guard your psudo-secrets, when you can. A law or two to help this might help, but not get rid of the problem. Until someone comes up with a good identifier[1], we're stuck with it.

    [1] For values of "good identifier" that include a way that one person can prove they are the same person who established the good credit / made the bank deposit / whatever, including letting someone act as a limited agent of another (so the power company can take my electricity bill out of my account, but not let a rogue employee take all my money and buy Enron stock) and also doesn't let someone establish multiple identities with which to keep ripping off banks and others.

  54. Re:I thought security through obscurity was baaaaa by Malevolyn · · Score: 1

    Not really, because he actively disclosed sensitive information. He made no attempts to hide it in plain sight, which would be a more passive, and security-through-obscurity-style, approach. Security through obscurity is still a terrible practice.

    --
    Your ad here.
  55. Not to a charity! by The+MAZZTer · · Score: 1

    IIRC charities have to go through a LOT of @#$% when they have to refund money for reasons like this. Worst case scenario they LOSE a bit of money handling the fake donation and then refund... I don't know too much of the specifics but at any rate it's mean.

    When someone does this, they're not hurting just the person they're stealing from, they're also hurting the charity.

    1. Re:Not to a charity! by _Shad0w_ · · Score: 1

      Clarkson is a tit, but I suspect he's enough of a man to just let them keep the donation.

      --

      Yeah, I had a sig once; I got bored of it.

  56. DUH! by Neanderthal+Ninny · · Score: 1

    Fools tread where angels fear. I don't think any service or anything will stop ID thief. The problem is the mis-use of the social security number for "identification" purposes even under the law the social security number is not supposed to be used for that. We another method of identification that cannot be duplicated or stolen and that sounds like a tall order but this needs to done so we all can safe from ID thief.

  57. Re:I thought security through obscurity was baaaaa by Anonymous Coward · · Score: 0

    Not revealing your social security number isn't "security through obscurity" any more than not leaving the combination of the safe on a post-it note stuck to the safe door is.

    An example of "security through obscurity" would be "nobody knows about this money I have hidden in my sock drawer, so it must be safe."

    Besides the fact of your positing one in assumption, I see no difference in principle.

    If revealing one's SSN (or the address to one's house, or one's middle name) is a foolish act that decreases security, it stands to reason that keeping one's SSN obscured is an effective security measure.
  58. It kind of proved his point by geekoid · · Score: 3, Interesting

    He published is information, and the only thing that happened was an automatic withdraw?

    If it was as rampant as people are bing led to believe, his account wold have been empty.

    Yes, it exists, but I don't think it's worth the panic people tend to go into.

    Of the millions and millions of people whose information has been stolen or lost or were copied froma computer system, only a very tiny fraction have been the victims of identity theft.

    --
    The Kruger Dunning explains most post on /. http://en.wikipedia.org/wiki/Dunning%E2%80%93Kruger_effect
  59. Nah, THIS is Poetic justice by ceedee99uk · · Score: 1

    Barclays boss falls victim to ID fraud
    A fraudster posing as the chairman of Barclays stole £10,000 from the bank after tricking a member of staff into sending him a credit card, it emerged today. The conman duped call centre staff into issuing a credit card in the name of banking boss Marcus Agius and then used it to withdraw funds at a high street branch.
    It is believed that the thief, working alone or as part of a gang, used the internet to find out details concerning Agius, such as his date of birth and address. He then contacted a Barclaycard employee and requested that a new card be sent out.
    /story continues at http://www.guardian.co.uk/money/2008/jan/10/scamsandfraud.creditcards Honestly, it could happen to anyone! ROFL
  60. Is he running Vista? by PRMan · · Score: 2, Funny

    I mean, 60%-90% CPU cycles while doing nothing would be normal then, right?

    --
    Peter predicted that you would "deliberately forget" creation 2000 years ago...
  61. Criminals suck by stewbacca · · Score: 1

    It isn't illegal to give your social security number to anyone but it is illegal for someone to use that number to steal your shit. So the story here is not that some people poo-poo the threat of identity theft (myself included), but that there are thousands of a-holes out there that will break the law to rip you off. Criminals suck, and this is just one more way they can continue to be the useless burdens to society they already are.

  62. Re:I thought security through obscurity was baaaaa by multisync · · Score: 1

    Besides the fact of your positing one in assumption, I see no difference in principle.


    Ummm ... okay ?

    If revealing one's SSN (or the address to one's house, or one's middle name) is a foolish act that decreases security, it stands to reason that keeping one's SSN obscured is an effective security measure.


    Nobody is suggesting that revealing your SSN is a good idea, but if that is all you are doing, you are probably not secure. So you are careful about your SSN, but at the same time you have a facebook account where you reveal you name, address, birthday, all of your family members, where you have worked before etc, I could probably get just about anything on you.

    Say you come in to a store I work in, and my store (like of lot of them do) prints out you full credit card number on the store copy of the receipt. So I go to facebook (or myspace, or even your personal blog if you happen to have one) and I find out your birth date. Now I can call Visa's 800 number, enter you credit card number and your birth date and have full access to your Visa account. I can order new cards, request a higher credit limit or even additional cards, change the address you statements are mailed to etc.

    I can use this information to approach other financial institutions and apply for further credit. If someone wants to confirm that I am you, what are they going to ask me? Your mother's maiden name? Or maybe they have other security questions, like the name of your high school or a former employer. Well, that's all available from the resume you have up on your blog, or your facebook account. Or whatever.

    The point is, "security through obscurity" isn't a bad idea if it's just one of several things you do to protect yourself. But if you are saying "I'm okay cause I don't reveal my SSN" but meanwhile are hemorrhaging personal info by giving your phone number, name etc to save a few pennies every time you make a purchase, or putting bills or other documents in the trash without shredding them, or basically not taking pains to keep your private info private all the time, then you security model is not effective.
    --
    I don't care why you're posting AC
  63. Re:I thought security through obscurity was baaaaa by alx5000 · · Score: 1

    Ok, let's stop being idiotic right here. Security through obscurity doesn't refer to the password, it refers to the system. I bet my linux box is quite secure as it is now, but if I gave you my root password surely things wouldn't be quite as dandy.

    So, in the real world example, S-T-O would mean that we don't know how the baking system works, but we trust it to be secure even when a bank account number is leaked. On the contrary, we could use the security by desing approach, when we know exactly the way bank accounting works, so we can spot flaws and resolve them (this way we can simulate hypothetical situations like "I've got a bank account number, what steps can I follow to take advantage of that fact and make myself rich?" If the answer is none, our system's secured against that attack, being free and all).

    And, as a sidenote in case you haven't got it yet, keeping my root password away from strangers' eyes doesn't make it S-T-O.

    --
    My 0.02 cents
  64. newspeak; by Scrameustache · · Score: 1

    I used to think the same, but it turns out, in English, the continent is referred to as "the Americas" and America can be used for the country. You can also use the World to mean only the united states of America, but that doesn't make it right.

    Good news about our increased chocolate rations, though!
    --

    You can't take the sky from me...

    1. Re:newspeak; by Eternauta3k · · Score: 1

      You realize this isn't "newspeak" at all, and that George Orwell is spinning in his grave for that reference? That's like people who think politicians who lie do doublethink: it's nothing that sophisticated.

      --
      Yeah. Would you choose a neurosurgeon who pokes around people's brains in his spare time? I wouldn't.
  65. Not quite by Anonymous+Brave+Guy · · Score: 3, Informative

    Just as a point of relevance here, Clarkson was victim to a fraudulent direct debit, not a standing order. While both are useful for similar things, the mechanics in the two cases are quite different.

    A standing order is normally some sort of regular payment you set up yourself for a constant amount, such as a monthly rent payment to a landlord. A direct debit is set up by the recipient and can vary in amount and date it is collected, and is typically used for paying things like utility bills, where the money owed varies a bit from month to month.

    The key difference, for the purposes of debunking the hype here, is that because of the obvious danger in letting a third party instruct your bank on your behalf and then withdraw your money remotely, all direct debits are covered by the Direct Debit Guarantee. Among other things, this says that if something goes wrong, your bank must refund your missing money first and ask questions later. A corollary of the latter is that Clarkson is unlikely to have any trouble getting his missing money back here, ironic and amusing as the incident is.

    --
    If you disagree, post your argument. (-1, Overrated) isn't your personal censorship tool for views you don't like.
    1. Re:Not quite by Christoph · · Score: 1

      Exactly -- the British bank was the victim, as was the Texas payday loan company who gave out $500 to a man "using the [LifeLock] CEO's widely publicized SSN". I don't see how the person who's identity was used is affected by this.

      My Grandmother has excellent credit, no debt, is 94 and lives in a retirement home. She can no longer legally make decisions for herself, so she couldn't sign a contract if she wanted to (her money is not under her control). If I post all her vital financial and personal information, and other people fraudulently obtain credit with it, my Grandmother would not be victimized whatsoever -- only the merchants (incorrectly) extending credit would be. Their only recourse would be against the people who defrauded them, as it should be.

      Isn't that the way is should be? The merchant who stands to profit by extending credit is the one who bears the cost if they take a bad risk? Third parties don't have any responsibility, other than to say "Nope, I never bought that/authorized it".

      On a footnote, I think publicity (rather than anonymity) helps here -- if there is lots of verifiable information about the "real" you in the public domain, it's easier for others to spot an imposter.

    2. Re:Not quite by TheLink · · Score: 1

      The Bank is the victim? Maybe so, but it partly the bank's fault for making fraudulent transfers so easy.

      The account holder is definitely a victim, since money was taken out from the account when it shouldn't have been. Even if it's temporary, one might have been relying on the money being there for other stuff.

      --
    3. Re:Not quite by AGMW · · Score: 1
      It's also perhaps worth noting that for the small cost of £500 he has got national coverage for himself, and a poke in the eye for the Government who let this, and other sensitive data, slip out by colossal ineptitude!

      He managed, for the paltry sum of £500, to raise his profile, give people a laugh, and hopefully put another nail in the coffin for the current government, who I'm sure would rather people just forgot about the whole sorry affair!

      Of course, he might just have been a bit of a muppet - again!

      --
      Eclectic beats from Leeds, UK
      handmadehands.co.uk
    4. Re:Not quite by Anonymous+Brave+Guy · · Score: 1

      I don't see how the person who's identity was used is affected by this.

      Unfortunately, although that person may not ultimately lose money, they still have to waste time getting their money back and clearing up any consequential mess. In a financial case like this, that might mean things like damaged credit or the hassle of a formal tax investigation, both of which can be very stressful and time consuming. In other cases, criminal records have been involved, and that can really screw up your life, not least because many employers are going to fire first and ask questions later in that sort of discussion.

      One could reasonably argue that this is because credit systems tend to be pretty screwed up and tax officers have way too much power to arbitrarily investigate people without compensating those people for the time it wastes. After all, we used to call arbitrary forced labour "slavery", and while I hesitate to use that word here since it's obviously not on the same scale, I think the same moral principle applies. In any case, this is how the system is today, and one of the major problems with identity theft is that it often leaves the real person on the wrong side of The System.

      --
      If you disagree, post your argument. (-1, Overrated) isn't your personal censorship tool for views you don't like.
  66. Re:I thought security through obscurity was baaaaa by Anonymous Coward · · Score: 0

    Ok, let's stop being idiotic right here.


    Certainly, let's. Do you also argue against people telling others what their full name is?
  67. Re:I thought security through obscurity was baaaaa by Anonymous Coward · · Score: 0

    mmmmmmmmmmm what?

  68. Is it covered as fraud? by phorm · · Score: 1

    One thing I wonder though... if the fraud occurs because somebody stole your bank details, then that's one thing and perhaps the bank should cover it. Now if somebody sets up a withdrawal because you idiotically and deliberately provided the world with your bank info, I personally would see no reason the bank should cover this.

  69. The SSN is not a password by Animats · · Score: 1

    What we need is a FTC rule that says that any business or financial institution that uses an SSN as a password is prima facie liable for any fraudulent transaction facilitated thereby. Plus a penalty of $500 or so.

    SSNs shouldn't have to be a secret. Since they're fixed for life, they're terrible passwords, anyway.

    1. Re:The SSN is not a password by Cro+Magnon · · Score: 1

      I once heard that if more than 3 people know it, it's not secret. Much more than 3 people/businesses know my SSN, and I'm sure that some of them are idiots, or employ idiots that have such access. To me, using the SSN as a secret password is like using my /. name as a password!

      --
      Slow down, cowboy! It has been 4 hours since you last posted. You must wait another few hours.
  70. Tracking # NOT VALID by Anonymous Coward · · Score: 0

    Before you try the UPS tracking number... I did and it's not valid.

    As for the other information, if the simplest and the most interesting of them is wrong then I'm not trying the rest.

  71. No by LandruBek · · Score: 1

    So, does that mean that every charity and bank out there who has to deal with administrative headaches...
    No. It means he ought to close that account and open a new one.
    --
    $META_SIG_JOKE
  72. Pun warning... by kn0tw0rk · · Score: 1

    I'm gumma fang que fo dat :)

    --
    See my art -> http://herbevore.deviantart.com
  73. Re:I thought security through obscurity was baaaaa by AigariusDebian · · Score: 1

    I can use this information to approach other financial institutions and apply for further credit. If someone wants to confirm that I am you, what are they going to ask me? Your mother's maiden name? Or maybe they have other security questions, like the name of your high school or a former employer. Well, that's all available from the resume you have up on your blog, or your facebook account. Or whatever. Where do you live, in Nigeria? Or USA? In any modern country to apply for a credit you need to show a passport. In person. Plain and simple. If you financial system has not learned this nifty trick I would suggest moving to a sane country because there must be a lot of other things wrong with that economy as well.

  74. Idiots. by edunbar93 · · Score: 1

    There's a difference between saying "The terrorists don't scare me" and flying internationally anyways, and running naked through Tikrit with a bullseye painted on your ass with red lipstick. Publishing your banking information doesn't just invite the evildoers, it invites the average joe, who will just say "Hell, anyone can hit that target from here".

    --
    "No problem. I have the capacity to do infinite work so long as you don't mind that my quality approaches zero."-Dilbert
    1. Re:Idiots. by freedom_india · · Score: 1
      and running naked through Tikrit with a bullseye painted on your ass with red lipstick.

      Rich ! Depends on whether you are M or F.

      Coming back to the topic, anybody who publishes SSN and bank stuff online is a fool. Exactly like you portrayed.

      Heck forget tikrit, i can't even run like that in San Bernandino.

      --
      "Doing what i can, with what i have." ~ Burt Gummer
    2. Re:Idiots. by RockDoctor · · Score: 1

      There's a difference between saying "The terrorists don't scare me" and flying internationally anyways, and running naked through Tikrit with a bullseye painted on your ass with red lipstick.

      Huh? What's flying internationally got to do with jackshit? ISTR that the planes hijacked on 11/9/2001 were domestic flights, not international flights. And, since the large majority of the hijackers were Saudis, that would explain the invasion of Saudi Arabia.
      --
      Birds are not dinosaur descendants;birds are dinosaurs, for all useful meanings of "birds", "are" and "dinosaurs"
    3. Re:Idiots. by edunbar93 · · Score: 1

      Dude, you totally need to lighten up. It's allegory.

      And besides, it used to be international flights that were getting hijacked, so get off my lawn!

      --
      "No problem. I have the capacity to do infinite work so long as you don't mind that my quality approaches zero."-Dilbert
  75. Re:I thought security through obscurity was baaaaa by CrimsonAvenger · · Score: 1

    Where do you live, in Nigeria? Or USA? In any modern country to apply for a credit you need to show a passport. In person. Plain and simple. If you financial system has not learned this nifty trick I would suggest moving to a sane country because there must be a lot of other things wrong with that economy as well.

    Won't work in the USA. Most Americans don't have Passports. Not even sure I do, anymore - it may have expired since the last time I had a reason to need it.

    --

    "I do not agree with what you say, but I will defend to the death your right to say it"
  76. Obligatory Top Gear quote by Anonymous Coward · · Score: 0

    From the bloopers:

    James May: ..And the news today...it has been officially announced that Jeremy Clarkson is an arse!

  77. Re:To answer the question by adrianmonk · · Score: 1

    So, if they steal a document then it's identity theft, but if they create a false document using accurate information, then it's not identity theft?

    IMHO, the phrase "identity theft" is not very meaningful. I'd say that if they steal a document and use it to take some money from you, then they've stolen a document and committed fraud. But if they create a false document using accurate information they got legally, and use the false document to take some money from you, then it's just fraud.

  78. In Soviet Russia .. roles find you! by freaker_TuC · · Score: 1

    Better reroll on this one ;)

    --
    --- I am known for the ones who want to find me on the net. Is that a privacy risk or a privilege? One might wonder..
    1. Re:In Soviet Russia .. roles find you! by smurgy · · Score: 1

      In Soviet Russia, self-referential jokes make you! :D

  79. i think you miss the point... by Anonymous Coward · · Score: 1, Insightful

    let's imagine grandma is actually 'sister,' and is 34 instead of 94. and she wants to buy a house. she applies for pre-approval loan when she is getting serious, and it is denied because of her extremely scary credit. "What!!" She says.. she thought she had perfect credit.. she pays her bills on time, etc.

    But in the last six months, someone who obtained her vital info took out several credit cards in her name and ran them to the limit, took out a few paycheck cash advance loans, etc. Maybe they even sold her info to some other people, who brokered it to illegal aliens to use as a proxy identity so they could work in a factory somewhere as "legals." So now she has a dozen credit cards in her name, all maxed out. A couple cash advance places who've sent her to collections. A letter from the IRS asking her to please mail a check for the $2900 in taxes she owes them.. etc. If sister EVER wants to purchase a house, or do anything that at all involves her credit, this has BECOME her problem, not just the problem of some "dumb entity" that lent the wrong person money. In some extreme instance, she might even be sued, have to get a lawyer, etc. LOTS of time (literally.. years) wasted to clear all this up, and lots of money spent, so she can eventually.. maybe.. get back to the life that went on hold once her credit was ruined by spurious info.

    This is made up, but it's close to several real life instances I've read about.. instances that are quite typical.

  80. He's a twat but... by Fuzzypig · · Score: 2, Insightful

    I hate Clarkson. I think he's a complete twat, but having a said that he does have the guts to admit he made a complete prick of himself in public. Some other public figures might do well to follow that lead if nothing else.

    --
    Windows guys please stop pissing on everyone and the Linux guys stop pissing in the wind, hoping to hit Windows guys!
  81. Identity theft and consequences by n7zzt · · Score: 1

    well, as one who suffered from a case of identity theft, I can tell you, there are repercussions! In my case, The tale starts back in February of 1995. It seems someone used my identity and then had me declared deceased. Whats even more serious, the Social Security Administration took the information at face value WITHOUT following up to confirm. This caused me problems with acquiring income, living in my apartment and even continuing my education. Some of these problems still exist to this day (I am unable to get good credit and signing up for a bank account is an exercise is futility). take it from me folks, this problem is real and it will bite you IN THE ASS if you are not careful about keeping your information confidential. BTW, I never did find out who was responsible, though I did get a written apology from the Social Security Administration for their part in the problem.

  82. No, he's just in a fortunate position by Xest · · Score: 1

    There's no reason the direct debit couldn't have been larger or that there couldn't have been multiple direct debits. It almost certainly wasn't for the very reason someone was merely disproving his point, which they did rather effectively.

    Also he's somewhat more protected than Joe average, if someone tries to make, say, a fake passport under the name Jeremy Clarkson but with their photo and try to use it any customs officer is going to laugh that someone thinks they can pass themselves off as a well known TV celebrity - especially one that's publicly handed out all his personal details!

    There's nothing to say now of course that more people aren't going to follow suit and try and screw him either of course.

    If anything, his absolutely and entirely disproved his point - even he accepts this! Besides, £500 is still no small amount to lose for an awful lot of people.

  83. Re:To answer the question by gsslay · · Score: 1

    It's more subtle than that.

    Bank gives away £500 without proper authorisation = their money, their problem.

    You get your identity stolen = your identity, your problem.

    See how a subtle change in terminology puts the onus on you rather than the bank?

  84. Re:Clarcson manages to be both an idiot and a geni by dave420 · · Score: 2, Interesting

    Not everyone likes the guy. Some folks realise he's intentionally an ass to get great reactions from folks. He does make great TV, but it's contrived. It's presented as non-scripted, but that couldn't be further from the truth. I like a lot of what he does, but I wouldn't trust him with anything important.

  85. Re:Clarcson manages to be both an idiot and a geni by Anonymous Coward · · Score: 0

    You can only see where he's coming from if like him you rely on completely and utterly missing the point.

    To cite an example, he said electric cars are pointless in terms of saving the environment because the electricity to power them still has to come from a polluting power plant.

    Of course, this misses the point about moving power generation to clean technologies.

    Frankly the guy is thick as pig shit but of course this appeals quite well to the idiot majority. This article only further proves how utterly thick he is.

  86. Correction by Anonymous Coward · · Score: 2, Informative

    They transferred £500, not $1000.

    It was done in the UK using Stirling, not in the US using US$

  87. Parent is not a troll... by blorg · · Score: 1

    ...final order was bike, boat, public transport and last- car. So they are pretending to bemoan that Top Gear is ruined by this (it's rush hour in London, they knew well the car wouldn't be winning.) But back in the studio they then joke that the film was misleading and the boat blew up, Richard Hammond flew off his bike onto a railing and that the car actually won.

  88. "Setup" is not a verb, damn it. by Anonymous Coward · · Score: 0

    Grammar matters.

  89. the south pacific archipelagos... by Scrameustache · · Score: 1

    If you can explain how all the english speaking countries are wrong, and Latin America and Russia are right, I'm all ears. The united states of america are named for the continent on which they are located.
    In english, "america" was shorthand for "the english colonies of america". That stuck, and as a shorthand, it can be used correctly in conversation.

    Saying "in America, we have rights..." is correct.
    Defining "america" as only the states in the middle of the northern half of it is wrong, in the same way that saying "the world" and meaning only the 50 united states is wrong.

    Talking about Hawaii and calling it America is insane :)
    --

    You can't take the sky from me...

  90. Shush! by lemur3 · · Score: 1

    It is better as an inside joke. Don't you know anything? Coward?

  91. Re:I thought security through obscurity was baaaaa by multisync · · Score: 1

    Where do you live, in Nigeria? Or USA? In any modern country to apply for a credit you need to show a passport. In person. Plain and simple.


    If you feel so sure of it, post your credit card number and we'll see ;^)
    --
    I don't care why you're posting AC
  92. Comment removed by account_deleted · · Score: 1

    Comment removed based on user account deletion

  93. Ignorance is Strength. by Scrameustache · · Score: 1

    this isn't "newspeak" at all It's a beautiful thing, the destruction of words.
    --

    You can't take the sky from me...

  94. Re:To answer the question by plague3106 · · Score: 1

    Well, that and the fact that everyone else uses "identity theft" in a way that matches the description. Sorry that you don't like that the individual words don't mean exactly what the term does, but I guess you'll have to pull the stick out of your ass at some point in your life.. might as well be today.

  95. Things that are wrong with your thoughts by Scrameustache · · Score: 1

    It's clear we're talking about the country called "America", not a geographic region, because we're talking about its government (and the events of its founding in a past more recent than hundreds of millions of years ago).
    1. You don't need to point out the obvious, we all know what country we're talking about
    2. A country == a geographic region;
    3. You apparently think that Amerigo Vespuci lived hundreds of millions of years ago


    Now, the first point is a character flaw, but it's not worrisome.
    The second point is somewhat troubling, because you don't seem to grasp some very basic concept there, but the third point shows that your disconnect with history is tremendous.

    I highly recommend that you take some kind of history class as soon as possible. Before you vote in any election, at the very least. In the meantime, refrain from exposing your thought process in open, public forums, you risk embarrassing yourself, and you're just adding noise to the signal.
    --

    You can't take the sky from me...

    1. Re:Things that are wrong with your thoughts by Doc+Ruby · · Score: 1
      If you don't know what country we're talking about when I say

      America is built on the simple, but radical (for the 1780s, anyway) realization that people have rights, create governments to protect those rights, so when we create them, we must create them with powers to protect them, but not to abuse them. We have a right to privacy, as the 4th Amendment says. The government exists to protect it,

      Or are you going to tell me that, say, the 13th Amendment banning slavery limits only the government from owning slaves?

      then that's your "character flaw" at work, not mine.

      A country is not merely a geographic region. A country is a political entity. A continent is a geographic region.

      I don't think that Amerigo Vespucci lived hundreds of millions of years ago. I think that today's continents formed hundreds of millions of years ago, as I contrasted with the recent founding of America (the country, if you're still not paying attention).

      Look, I celebrated the 500th anniversary of Amerigo Vespucci's arrival in Bahia, Brazil right there on the beach. I know what I'm talking about. You, on the other hand, can't even read.
      --

      --
      make install -not war

    2. Re:Things that are wrong with your thoughts by Scrameustache · · Score: 1

      If you don't know what country we're talking about when I say

      America is built on the simple, but radical (for the 1780s, anyway) realization that people have rights, create governments to protect those rights, so when we create them, we must create them with powers to protect them, but not to abuse them. We have a right to privacy, as the 4th Amendment says. The government exists to protect it,

      Or are you going to tell me that, say, the 13th Amendment banning slavery limits only the government from owning slaves?

      then that's your "character flaw" at work, not mine. I know what you're talking about because I can parse your text and do live error correction in my head.
      I can understand you despite of your errors, that doesn't mean you are correct.

      And regarding the formation of continents. How many continents do you think there are? Go look at the olympic flag, count the rings, and then try to fit North America, Central America, and South America along with the rest of the world. Don't work huh?

      You won't stop being wrong, but at least stop thinking you're right: your ego is in the way of your intellectual development.
      --

      You can't take the sky from me...

    3. Re:Things that are wrong with your thoughts by Doc+Ruby · · Score: 1

      Your parser and "live error correction" didn't manage to discover the plain meaning of "America the country" from its context I just repeated.

      Not only are you wrong because you're stubbornly ignorant (which we call "stupid"), you're insisting on projecting that onto me. Your opinions of my character coming from a character with your flaws means nothing to me. You have nothing to teach me, and I clearly cannot teach you.

      Goodbye.

      --

      --
      make install -not war

  96. You're still a fucking moron by nunyadambinness · · Score: 1

    "'Secure in their persons, papers and effects' necessarily means privacy"

    NO it doesn't. It means secure in their papers and effects, your INTERPRETATION means that it relates privacy.

    The fact that you're an imbecile doesn't make you right just because you say so.

    "The Constitution is a description of the real world, not just some word game, you stupid shit."

    Is the word "privacy" in there or not?

    It's not. So it requires INTERPRETATION. YOU fuck off, now that you've been shut the fuck up.

    1. Re:You're still a fucking moron by Doc+Ruby · · Score: 1

      Tell me how to be secure in your papers and effects without privacy.

      Or shut the fuck up, cunt. In fact, just shut the fuck up. I'm not interested in hearing anything from you anymore, because your stupid assholery makes anything you say suspect from the start.

      --

      --
      make install -not war

  97. Things that are wrong with your brain by Scrameustache · · Score: 1

    Your parser and "live error correction" didn't manage to discover the plain meaning of "America the country" from its context I just repeated. You're mentally retarded:

    America is The name of the continent on which many countries, including the one you're talking about, are located. I knew all along what country you were talking about, but you do not posses a brain capable of understanding that, as you have demonstrated.

    You're a sad case :(
    --

    You can't take the sky from me...