UO should have a security question when you sign in the actual game. So if a person like the OP, bought the account from another player and did not use EA's account transfer system they would still be protected in some way.
Now you would at least have to change the names of the characters that you had kept on the bought account for your own safety reasons.
This link with a screen shot http://oneofthesealts.blogspot.com/2010/08/guild-wars-beaten-by-log-in-boss.html is what Guild Wars does when you sign in. You have a character name on the account as your security answer. If you dont put the right name in the account, even with the players email and password you can not log in the account.
It's not limited to one name on the Guild Wars account so as long as you know the characters name on the account you can use anyone of them. UO should apply something like this to the account for added security.
Now you would at least have to change the names of the characters that you had kept on the bought account for your own safety reasons.
This link with a screen shot http://oneofthesealts.blogspot.com/2010/08/guild-wars-beaten-by-log-in-boss.html is what Guild Wars does when you sign in. You have a character name on the account as your security answer. If you dont put the right name in the account, even with the players email and password you can not log in the account.
It's not limited to one name on the Guild Wars account so as long as you know the characters name on the account you can use anyone of them. UO should apply something like this to the account for added security.