I earn my living in the fraud industry - stopping it that is, and I have just paid a £70 fee to end my contract with Talk Talk rather than continue with their service iwhich is horrendously insecure. I will not bore you with all the details, but by far the worst example is that Talk Talk use the name of your bank (where you have your Talk Talk direct debit) as a security question!

This is mad!!!!!! I have tried to tell them about this, but their "fraud manager" appears to be a twelve year old in an Indian call centre.

Beware using bank details for non-bank security details will leave you open to a scam. If it was me, here is how I would do it.

1) I swould send out a thousand letters to random people on Talk Talk letterhead, confirming you recent order for an upgrade to the £75 a month Gold Product. 900 of them would not be Talk Talk customers, but a few would be and would read the letter.

2) Appalled at the idea that you have accidentally been put on an super-expensive tarif, I'd expect you to call Talk Talk to complain. There is a 90% chance that you will simply phone the number on the letter I sent you. Only 10% of people will search for an old bill for the correct number. In effect you have just phoned a fraudster.

3) "I'm really sorry", I say - "we'll sort this out immediatley. For security can you just confirm where you bank". As Talk Talk always ask yu this anyway, you'd have to reply, or not be able to proceed with de-registering from the super-expensive tarif. If you respond quickly, I'd chance my arm and ask for the Sort Code. Now I know your bank and your physical branch. I tell you we've sorted out the problem and you won't be on on the Gold tariff.

I won't tell you what I'd do next (last thing I need is more fraud), but with you bank name and sort code, I have ways of getting the account number. A little bit of low effort forgery, (no chance of getting caught) and I'd soon have a bank reference, then a pay-as-you-go mobile in your name, then a credit card delivered to a safe address, then a few other bits and pieces such as a driving license in your name and address but with my photo. Only once I'd assembled all my free bits and pieces would I then try and take over your account and spend you money.

And all because Talk Talk have a fraud manager that doesn't know how fraud works in the UK.

You have been warned.