Katherine in our marketing department received this letter through her postbox yesterday, inviting her to take part in a pyramid game called "Happy Ten".

The idea is that you put £10 in the bank account of player number one, and then forward the letter on to as many people as you can (removing the name of the stranger you just gave £10 too, and shifting all the other names one place up the list).

According to the letter's author you could have £100,000 or more in your account in next to no time! Marvellous!

And what do you know? The person who passed on the chain letter has given her the bank account details of ten customers of Lloyds TSB, Barclays and the NatWest bank.

Now, firstly, if you really believe that you're going to get rich from something like this then there's a marvellous Opera House in Sydney that I'd like to sell you.

But secondly, are these people crazy passing on their bank account details to complete strangers?

The worry is that there are vulnerable people out there who might fall for a scam like this and be all too willing to pass on this chain letter believing that they might make a small fortune.

Forget "Happy Ten". This should be called "Happy Identity Thief".