The last time I checked it didn't take a vast amount of information to apply for most type of borrowing online. After working in the banking industry it doesn't take much:

First name, family name, address (best if over 3 years). time at address, DOB, bank details (to prove you can defraud yourself with a direct debit), erm.... well that's about it really. So how come we're being told that hey - it's not a problem that we have potentially provided ALL your personal information to anyone....? Not only that, what about someone who's going to make a scam out of this misfortune?

Frankly, it's not going to be long before some 'junior civil servant' somewhere in the country will download the whole lot of us and post the list on a website somewhere. Then where we be? Not to mention if they get our biometric data so they can really prove that they are us.

As I have said before, if you want my pic to get false ID, I am sure you will find me on one of up to 4million + CCTV cameras in this country, but then I could perhaps be detained for 28 days on the pretence that I actually farted.......