Our phones are an integral part of us these days and on so many levels. And it is being used more-and-more in the two factor authentication process by various organisation which include banks and Amazon to name two. However, scammer too are realising this which is why "Sim Swap" scams are on the rise.
If you don't know what "Sim Swap" scams are it's when someone contacts a phone provider and requests a replacement sim card because it was lost, damaged, eaten by the dog, you name it. And oh by the way could you transfer all "my" stuff over to the new sim, please. You the owner might not notice it has happened for a few days and by then the scammer has accessed your bank account, etc.
My suggestion is for us all as a community to come up with a system of quick checks which can be carried out prior to a replacement sim being issued.
Idea 1. You are allocated a PassCode calculated on elements of your profile. No-one would know which elements are used to create this PassCode so it would be hard to recreate if not impossible.
Once issued with this PassCode you would be required to print it off and keep it safe. The page would have just enough information on it to remind YOU what the PassCode is for and not anyone else.
Idea 2. You nominate someone as a "Sim Friend", for want of a better name, within your profile. If a sim is requested then your "Sim Friend" would receive an sms which would ask them to contact you and confirm they did indeed request a replacement sim. Your "Sim Friend" would then press either a "Yes" or "No" link within the message to confirm or decline the request on your behalf. However, this option only works if Giffgaff retains secure servers of course.
Those are my suggestions but if someone can provide better, simpler solution then let's hear it. But we as a community can't just ignore it and hope it won't happen to us. Let's act now and protect us all from these sorts of scams. Also, it might be a great selling point for new members too.