The first time was on e-Bay when someone hacked into my account (presumably meaning that the e-Bay password is easily bypassed or their site isn't as secure as it could be). My account was the subject of a fair amount of abuse which basically meant that it could no longer be used. With e-Bay that problem is easy to solve. You abandon your identity and create a new one.
Yesterday afternoon I received a call on my mobile from American Express. Apparently someone has been using my card details to do three of the things I am least likely to do: join NAPSTA, travel by National Express and make a donation to Christian Aid. I ask you. Apparently fraudsters tend to do this sort of thing on line to see if the details are correct and then try and use it for a larger transaction. Amex's security system kicked in when an online payment for £160 to Halfords was requested. It was declined and an investigation started. So now my card is dead and a new card will be issued. I'll get my money back but it does make one wonder how someone got hold of the details. It could have been a garage although I'm careful never to let the card out of my sight. Who knows.