I have an account with Skrill and I forgot my password so I went ahead to reset the password expecting to go through some complicated procedure with emails back and forth and to my surprise it just asked for the email and the birth date! It directly forwarded me to a page where I could type in a new password. This is a serious security issue for everyone. Now of course expect to do some extra checks if you're trying to login/reset from an unusual address but still, anyone can use a proxy. Let's say you do business through Skype and you put in all your personal data when you signed up, all that is visible to the public, once the fraud idea pops up for someone, forget about the money, Skrill won't give you your money back, there is no dispute process. The account owner does receive emails regarding password change but how long do you think it takes to send money.. I know of no method to protect yourself rather than removing all credit cards and withdrawing the money when you receive it, but a withdrawal has a fixed fee attached unfortunately, if someone knows of any way, please do input here.