Phishing (pronounced "fishing") is the act of tricking people into giving out confidential information which can then be used to defraud the victim. It often involves the setting up of a fake Internet site pretending to be a legitimate company such as a bank or a shop.

Phishers then send out spam mails that direct users to the fake site, where the victims are then asked to update their username, password or enter financial information.

What exactly is identity theft?

• Someone steals your name and address, or bank details.
• Using this information, they pretend to be you and set up fake businesses, open fake bank accounts, take out loans, or in some way try to defraud you. Victims may only find out when they receive a nasty bill for something they haven't ordered or a loan repayment request.

What should I do?

• Proper organisations will never send you emails asking for personal information or asking you to update your details.

• Avoid using your own name or email address in chat rooms and on message boards.
• Be careful about where you give your personal details in online shops and so on. They may be sites just set up to steal your personal information.
• Use a different email address for signing into services and buying products. Keep your personal email address for key services where you need to receive emails and for contacting your friends and family.
• Look out for dodgy sites. Get wise about how to spot fake sites. Check the web address and the tone of the site. Often phishing sites are slightly different. If you are suspicious then don't use them or telephone to verify they are who they say.

Use Virgin Media PCguard Privacy Manager, Pop-Up Blocker and Form Filler. These tools will block pop-ups and make sure your personal details only get sent to the organisations you select.

• Check your bank and credit card statements in case you are a victim.