All the advice I've seen so far assumes you operate your account over the internet. Does anyone know what the risks are for people who are with talktalk but run their account by post or phone? My mother has a direct debit set up with them, but doesn't use internet banking. She has high levels of anxiety at the best of times, so you can imagine what she is like at the moment. She doesn't like ringing her bank to ask for help as you have to spend so long in the queue and it is an effort for her to get into a branch, so she can't keep checking her balance.