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2009-11-17 大熊的博客
今天收到一個同事轉發的一個律師的忠告，供大家了解澳洲這邊如何保護錢包的：
This seems like very useful info and worth keeping for reference.
Subject: FW: Lawyer's Advice (Aust) - Worth reading this info Reminder for those who haven't seen this before:
A corporate LAWYER sent the following out to the employees in his company:
1. Next time you order cheques, have only your initials (instead of your first name) and surname put on them. If someone takes your cheque book, they will not know if you sign your cheques with just your initials or your first name, but your bank will know how you sign your cheques. （買支票時只在上面寫上名字的縮寫和姓氏）
2. Do not sign the back of your credit cards. Instead, put "PHOTO ID REQUIRED". （信用卡背面不要簽名，而是寫上「需要有照片的身份證明」
3. When you are writing cheques to pay on your credit card accounts, DO NOT put the complete account number on the "For" line. Instead, just put the last four numbers. The credit card company knows the rest of the number, and anyone who might be handling your cheque as it passes through all the cheque processing channels won't have access to it. （簽支票付信用卡賬單時，寫最後4個數字就可以了）
4. Place your work phone number on your cheques instead of your home phone. If you have a PO Box, use that instead of your home address. If you do not have a PO Box, use your work address. Never have your Centrelink Number printed on your cheques. You can add it if it is necessary, but if you have it printed, anyone can get it. （支票上寫工作單位電話，而不要寫家裡電話，寫信箱地址或公司地址，而不要寫家裡地址）
5. Run the contents of your wallet through a photocopy machine. Do both sides of each licence, credit card, etc. You will know what you had in your wallet and all of the account numbers and phone numbers to call and cancel. Keep the photocopy in a safe place (not your wallet). I also carry a photocopy of my passport when travelling either here or abroad. We've all heard horror stories about fraud that's committed on us in stealing a name, address, Social Security number, credit cards. （錢包里所有證件的正反面都留下複印件）
Unfortunately I, an attorney, have first-hand knowledge because my wallet was stolen last month. Within a week, the thieves ordered an expensive monthly mobile phone package, applied for a VISA credit card, had a credit line approved to buy a Dell computer, received a PIN number from DMV to change my driving record information on-line, and more.
But here's some critical information to limit the damage in case this happens to you or someone you know: （錢包丟失時的處置方案）
1. We have been told we should cancel our credit cards immediately, but the key is having the toll free numbers and your card numbers handy so you know whom to call. Keep those where you can find them. 與信用卡公司馬上聯繫，把對方電話放在可以找到的地方。
2. File a police report immediately in the jurisdiction where your credit cards, etc., were stolen. This proves to credit providers you were diligent, and this is a first step toward an investigation (if there ever is one). 報案並保留紀錄，以證明你積極止損
3. But here's what is perhaps most important of all: (I never even thought to do this.)
Call the three national credit reporting organisations immediately to place a fraud alert on your Tax File Number your passport number and drivers lisence number. I had never heard of doing that until advised by a bank that called to tell me an application for credit was made over the Internet in my name. The alert means any company that checks your credit knows your information was stolen, and they have to contact you by phone to authorise new credit. By the time I was advised to do this, almost two weeks after the theft, all the damage had been done. There are records of all the credit checks initiated by the thieves' purchases, none of which I knew about before placing the alert. Since then, no additional damage has been done, and the thieves threw my wallet away. This weekend someone handed it in. It seems to have stopped them dead in their tracks. 與三個全國信用報告機構聯繫，報告你的信息丟失，請對方加上警告提醒，這樣小偷在申請新的信用卡時，銀行會看到相關提醒。
Now, here are some numbers which you might need to contact if your wallet etc has been stolen: 下面是主要的一些電話號碼： |
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