Data Breach Advice: What to do When You Receive the News
Written by Phonely Team, on 17 Feb, 2025. Last updated 13 Feb, 2025A rising threat: Why data breaches are a serious concern
In 2024, UK businesses faced approximately 7.78 million cyber crimes, highlighting just how common data breaches have become. If you’ve received an email or letter notifying you that your personal data has been compromised, your first reaction might be panic. However, taking quick and informed action can help protect your finances, identity, and online security. This guide will give you comprehensice data breach advice by explaining what a data breach is, how it can affect you, and what to do if your personal information is exposed.
Data breach advice: What is a data breach & why does it matter?
A data breach occurs when confidential or sensitive personal information is accessed, stolen, or exposed without permission. This can happen due to cyberattacks, employee mistakes, or system vulnerabilities. The stolen data can include:
- Names and addresses
- Phone numbers
- Email addresses
- Bank details
- Login credentials
- National Insurance numbers
Real-life UK examples of data breaches
- Dixons Carphone (2017): A breach exposed 10 million personal records and almost 6 million payment card details, making it one of the largest UK data breaches.
- British Library Cyberattack (2023): A ransomware attack led to the theft of 600GB of data, exposing personal information of staff and users.
- Vinted (2024): Personal details, including National Insurance numbers, were exposed due to a security flaw in the platform.
Data breach advice: What to do immediately after a data breach
1. Change your passwords
If your login details were part of the breach, update your passwords immediately. Use strong, unique passwords for each account and consider using a password manager to keep track of them.
2. Monitor your financial accounts
Regularly check your bank and credit card statements for suspicious activity. If you spot an unauthorised transaction, report it to your bank immediately.
3. Check your credit report
In the UK, you can request a free statutory credit report from agencies like Experian, Equifax, or TransUnion. Look for any unexpected applications for credit in your name.
4. Enable two-factor authentication (2FA)
Adding 2FA to your online accounts provides an extra layer of security, making it much harder for hackers to gain access.
5. Beware of phishing scams
Following a breach, scammers may target you via email, text, or phone calls, pretending to be from the breached company. Do not click on suspicious links or provide personal details over the phone.
6. Contact the breached organisation
Find out what data was leaked and ask for official guidance on how to protect yourself.
The impact of a data breach
A data breach can have serious consequences, including:
- Financial fraud: Scammers may use your details to make purchases or apply for credit.
- Identity theft: Your personal details could be used to create fake accounts in your name.
- Privacy violations: Sensitive data such as medical records or private messages could be exposed.
Being proactive reduces your risk and helps prevent long-term damage.
The emotional impact of a data breach
Experiencing a data breach can cause significant emotional distress. Victims often feel violated, anxious, or even helpless, knowing their personal information is in the hands of criminals.
How data breaches can affect mental well-being:
- Increased anxiety: Worrying about financial fraud and identity theft can lead to heightened stress levels.
- Loss of trust: Victims may feel less confident using online services or sharing personal information.
- Sleep disturbances: Constant worry about potential misuse of personal data can disrupt sleep patterns.
Where to get support
If you’re feeling overwhelmed, know that help is available:
- Mind UK offers mental health support and practical steps for managing stress.
- Victim Support UK provides free emotional support for those affected by crime, including fraud.
- Citizens Advice can guide you through protecting yourself and taking action against organisations that mishandled your data.
Taking proactive security measures and seeking support can help you regain peace of mind and feel more in control.
How to prevent future data breaches
While you can’t control how companies handle your data, you can take preventative steps:
- Use strong, unique passwords for each account.
- Enable two-factor authentication (2FA) on sensitive accounts.
- Limit the information you share online.
- Check if your email has been compromised via Have I Been Pwned.
Frequently asked questions
What is the first thing that you should do when a data breach occurs?
Change your passwords immediately, prioritising any accounts linked to the breach.
What to do if someone breaches your data?
Monitor your financial statements, enable 2FA, and consider contacting Action Fraud to report any suspected misuse.
Should I contact my bank after a data breach?
Yes, if your financial details were exposed, notify your bank as soon as possible so they can put additional security measures in place.
What happens when your data has been breached?
Your personal information may be used for fraud, identity theft, or sold on the dark web. Acting quickly can minimise the risk.
Conclusion
Data breaches are becoming more common, but taking the right steps can help protect you from fraud and identity theft. By changing your passwords, monitoring financial activity, and staying alert to scams, you can reduce the impact of a breach.
At Phonely, we prioritise security and are Cybers Essentials plus certified. In addition, our CallGuard technology helps protect you from scam calls, ensuring your data remains safe.
