You have fallen out with a girl/boy friend - big time. He/she wants to get revenge and emails the BPI and FACT with information about your downloading.
Your bank will only compensate you with 25% of what you lost through online fraud. You think it should be 100% because they have such a lousy security system.
As part of a youth project, you have volunteered to give advice to other young people by email. Someone emails you to tell you about their drunken, violent father.
It turns out that an uncle of yours is suspected of accessing child pornography. His email and phone records have been examined by the police. Your details are on those records.
You believe your Dad when he says he wasn't looking at child pornography. Someone - he says - stole his credit card and used it with one of those sites.