Unlike Bob Geldof, I quite like Mondays as they are normally the quietest day of my week. However, my relative peace was well and truly interrupted by the work finance team calling from Dublin.

They wanted to know whether I had been in a sports shop just outside New Jersey, USA the week before, where I had apparently blown $800 of the company’s money on trainers. Despite my love of increasingly garish footwear, I was firmly ensconced in my Wiltshire bed some 3,500 miles away in Wiltshire at the time of purchase, with the credit card in my wallet.

It only took a few quick phone calls to prove to my bosses and the bank it wasn’t me.

Unless I suffer from some kind of selective amnesia or have the ability to teleport and sleep shop, this is the third time in a decade I’ve had bank details and personal information used for nefarious purposes. Every time this happens it becomes no less disruptive and upsetting – but it won’t change my want to embrace our digital future.

Over the years I’ve given regular advice around protecting yourself online in this column, my radio show and even on the BBC Breakfast sofa, so I like to think I do everything I can to reduce the risks. I shop at reputable online retailers and arm myself with more unique passwords than Professor Stephen Hawking could possibly remember.

New research this week says about half of us are still worried about sharing our personal information like our bank details online, and 60 per cent said they had experienced an issue like mine where their personal information had been used against their wishes. In the first six months of 2014, frauds on UK cards reached £248m – some 15 per cent up on the previous year.

I certainly won’t be put off doing even more of my banking and shopping online. After all, I’ve been able to prove to my company and the bank that I was observant of my online security. The rise of online fraud means banks now have large departments dedicated to quickly settling cases like mine.

If only the internet meant you could have a replacement bank card instantly, rather than having to wait for five to seven days.