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I am one of the lucky ones who was a client of theirs for years. My concern is that in 2, 3, 5 years from now someone will use my details for to get credit and screw up my credit rating. I will be at a different address by then so I won't see the bills coming in for my 'new' credit cards. I probably won't know anything about it until I get a credit application rejected. I am not a happy bunny.