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Got a question about scams, your data or your rights online? Ask us. We answer the most common questions here, without your name.

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Can a loan app message my contacts when I owe money?

Using your contacts to shame or pressure you is not allowed. The FCCPC’s 2025 digital lending rules and the NDPA both apply. You can report it to the FCCPC and the NDPC.

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Does an estate or shop have the right to collect my NIN?

An organisation needs a lawful reason to collect your data and should tell you why. You can ask what it will be used for and how long it will be kept.

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My phone lost network and then my bank account was emptied. What now?

This may be a SIM swap. Call your bank immediately, then your network provider, and report it to the police cybercrime centre.

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