@steve: Not only Experian

not only Experian,

pretty much all Highstreet Banks!

I used to work for a financial software house, that suppplied the vast majority of all highstreet banks.

these banls provide data as you already mentioned in clear text, on floppies, unencrypted and if is, then only zipped with a five or six letter password.

they even email data completely unsecured.

For several years, I was in a position, where I could have easily diverted eight and nine digit figures without anyone noticeing.

and if somebody had it would have been extremely easy to prove a fake glitch in the system.

I can only say, that Banks and Insurance Companies are legalised crime.

Best regards