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I'm lucky thanks it hasn't happened to me as I get my statement on line. But it has happened to two others here. Because the police haven't caught the men responsible who have been intercepting our post, those affected are having to have their replacement cards sent to another address. And of course there may be others affected who haven't realised yet.
We have had tips from a security company today though and one was to never put your mother's maiden name in as this can be traced by a determined person. Either pick another question or if you are forced into the mother's maiden name just put anything random, yellow, teaspoon, coal-bucket, whatever, it doesn't matter. The more unrelated to the question the answer is, the better. Most people answer it properly and you don't have to. Just as long as you remember the answer you're OK. And do the same with the rest of the questions. Don't forget to remember them tho:-) I'd love to think some thieving so and so has spent hours researching your M'sMN only to get a big fail.