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They say you need to replace your debit or credit card because you’ve been targeted by fraudsters.

It may be that there was never any policy and you’ve simply paid for a bit of paper.

After the data, including confidential corporate information, was leaked, researchers analyzed it — and then it was users’ turn to get furious.

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They then charge you more and pocket the difference.

Before you know it, £75,000 of a £100,000 pot has gone. The City regulator and HM Revenue & Customs are concerned and hundreds of fraudsters have already been blacklisted.

Hackers normally steal data to resell on the Darkweb, but the culprits behind the Ashley Madison hack appeared to be out for justice, not money.

To kick off the party, Impact Team sent a note to the management team at Avid Life Media, Ashley Madison’s parent company.

In particular, they are targeting those in car parks or train stations.