Identity theft is when your personal details have been stolen, (such as your name, date of birth, current or previous addresses, bank card details) without your knowledge or consent.

Identity theft and the fraud associated with it, is the fastest growing criminal activity in the UK, targeting thousands of unsuspecting victims who fall victim to email scams, fraud, illegal credit card use, bank account hijacking and criminal misuse of identity.

Your details can then be used to obtain goods and services, or open accounts by deception in your name. Worse still, if the theft goes unnoticed it can prevent you from getting credit, employment or result in court proceedings against you - even if it is not your fault.

The process to clear your name can be lengthy, stressful and distressing. It can literally put your financial life in a stranglehold, and it can happen to anyone.

Get help to watch over your ID, protect it, and if you need to, HELP reinstate it.

We are proud to introduce PrivacyGuard to help you be on top of money. PrivacyGuard is operated by Affinion International. The identity theft protection policy and fraud support service they offer is designed to offer peace of mind and assurance. Signing up to PrivacyGuard allows you to get on with your life, helping you protect your personal financial activity from thieves and fraudsters, by monitoring your credit profile 365 days a year.

N&P customers can enjoy the benefits of PrivacyGuard for 30 days for just £1. After this trial period you get all the membership benefits for only £6.99* per month.

* (including VAT and a monthly/insurance premium element of £0.07, inclusive of insurance premium tax).

PrivacyGuard is a trading name and registered trademark of Affinion International Limited. Registered in England No. 1008797. Registered address: Charter Court, 50 Windsor Road, Slough, Berkshire, SL1 2EJ. Affinion International Limited is authorised and regulated by the Financial Services Authority (FSA) in respect of insurance mediation activities only. Affinion's FSA registered number is 311584. Affinion's authorisation can be confirmed by the FSA by calling 0845 606 1234 or at www.fsa.gov.uk/Pages/register. Affinion International Limited acts as an intermediary for arranging the insurance and provides the administration of the associated services.  Insurance is underwritten by Chartis Insurance UK Limited, The Chartis Building, 58 Fenchurch Street, London EC3M 4AB. Chartis Insurance UK Limited is authorised and regulated by the Financial Services Authority.

How can PrivacyGuard’s features monitor and protect you?

PrivacyGuard has a variety of identity protection features that give you full access to monitoring and controlling your financial status, as well as opportunities to enable extra security measures to protect your personal details.

  • Credit Monitoring – whenever someone has searched or viewed your credit report, or whether anything significant changes in it, you’ll be alerted. If there have been no changes to your credit report you will be sent a 'no-hit' update every 3 months.
  • Credit Reporting – receive unlimited up-to-date credit reports so you’re always informed of your credit status.
  • Credit Score – receive a credit score based on information held about you. It will show you how to read and analyse it, and the things you can do to enhance your rating.
  • Victim-of-Fraud Resolution – if the worst should happen you’ll be assigned a dedicated victim-of-fraud specialist to advise you.
  • Identity Insurance – up to £10,000 towards legal and out of pocket expenses that have been incurred by you whilst restoring your credit profile, should you become a victim of identity fraud.**
  • Online Members area – for unlimited access to your credit reports and activity alerts, helping you to assess your financial activity for fraud.
  • Dedicated Helpline - comprehensive advice, support and answers to all of your questions relating to protecting your personal data.
  • CIFAS registration – CIFAS is the UK’s fraud prevention service. If you think you may be a victim of identity theft, CIFAS registration will ensure that additional security checks are made before credit applications in your name are accepted.
  • Valuable Document Registration – enables you to store vital information relating to many important documents in one safe place.

** including legal fees and for loss of wages (£2,500 limit) as a result of taking time off work to correct your credit status. A £50 excess applies. Cover does not apply for losses arising out of any business activity. Full details of all exclusions and limitations are available in the terms and conditions.

Signing up to PrivacyGuard gives you all the tools to defend the integrity of your personal and financial details from potential criminal activity. To keep you in control of your financial world, all you have to do is:

Complete your application in branch. You will then receive a membership pack through the post.

Your membership pack will contain a credit report application form to activate your benefits. Your first Credit Report will then be sent to you. You will also be able to access your report online in the PrivacyGuard Members area for regular viewing. Signing up to PrivacyGuard gives you all the tools to defend the integrity of your personal and financial details from potential criminal activity. To keep you in control of your financial world, all you have to do is complete your application in branch.

Your £1 trial fee will be billed to your nominated account within the first 30 days of membership, followed by a monthly membership fee of £6.99*** (including VAT and a monthly/insurance premium element of £0.07, inclusive of insurance premium tax), without you having to do anything further. You can cancel your membership at anytime during the trial period and receive a refund of the £1 trial fee by calling PrivacyGuard on 0800 085 2150. Once the trial period has expired, you can terminate your agreement at any time and no further fees will be payable from that date.

Wherever you are in the world, whatever you are doing, whenever you need protecting, it’s good to know your profile will be in the right hands.

Sign up today, receive your credit report and begin protecting your good name.

*** equivalent to £83.88 per year