Banks !!!!!!

Gremlin

Gremlin

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Today I realised I have lost my Bank Card :(
Not a major problem as I can use my credit card if I can find the pin number, with the same
bank and set to repay any spend at the end of each month.
So I phone the bank as soon as I realise to cancel it and what a palaver.
First I get asked for the account number and sort code, yep have both, then
1st and 5th numbers of the ID code they sent me, yeah right like I carry those letters around with me :banghead:
So we then have to go through a load or other questions etc before they comfirm the last transaction I remember
was the last time it was used a couple of days ago, which is a relief and one of the reason I am a bit iffy about the contactless
bit on these cards.
After what seemed like an age the guy told me he will resend me the ID stuff, which I have and get a new card and pin issued,
When I had my purse nicked a few years ago it was so simple, just phone them and tell them you'd had the purse stolen, confirm
the account number and that was it all sorted, why so damn complicated when all you want to do is stop what could potentially be
fraud
 
My friend has just told me about a funny thread on his favourite forum, TalkBankers, about someone losing their card and having a go at the bank for looking after the security of their funds. Funny old world
 
It's a pain, but necessary I think.
 
Don't mind the questions, but does anyone seriously carry the security ID around with them, how easy would that make it for someone
to contact the bank and make withdrawals etc from the account.
Ok when I phone up to do something like a bank transfer or change address etc I can understand it, but who would report a lost/stolen card other
then the person who owns it, and as the account number etc are different to the card number surely that should be secure
enough for a stolen card report, after all they do say you shoud report it as soon as you realise, why make it so hard ?
 
Gremlin said:
Don't mind the questions, but does anyone seriously carry the security ID around with them, how easy would that make it for someone
to contact the bank and make withdrawals etc from the account.
Click to expand...
I have a list of random alphanumeric sequences on me/my phone, in which such things nestle quite safely :thumbs:
 
Gremlin said:
Don't mind the questions, but does anyone seriously carry the security ID around with them,
Click to expand...

What security ID do you mean? Your online banking details or something else?
 
Whilst a bit annoying, what are the banks supposed to do? Just take anybodies word they have lost a card, without doing checks.

You would be even more annoyed if you had just started your holiday to find somebody had stopped your card and when you get home ring your bank asking where your new card is only to be told they sent it out earlier in the week and by the way you have already spent £700 on it.
 
I remember my ID number very well as I used a few times a month to log in to check the balances. Most people would say the same here I guess.

I am very openly against the "current" basic out-of-date and out-of-touch contactless technology in the plastic cards since it is always on and plenty of cases have been reported of people squeezing past in the crowd with scanners, or perhaps just the wrong card activating in the wallet. In case of loss no card is totally safe but these offer a perfect chance to lose a couple hundreds of pounds and most banks would apparently not reimburse you. My cards are therefore non-contactless and my bank has been specifically told not to offer me that bull.

I think the likes of Apple pay are perfectly fine though because you have to activate the function intentionally to use it. It is inherently safer.
 
Dave1 said:
What security ID do you mean? Your online banking details or something else?
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Don't do online banking so it's a telephone banking thing that I rarely use either

munch said:
Whilst a bit annoying, what are the banks supposed to do? Just take anybodies word they have lost a card, without doing checks.
You would be even more annoyed if you had just started your holiday to find somebody had stopped your card and when you get home ring your bank asking where your new card is only to be told they sent it out earlier in the week and by the way you have already spent £700 on it.
Click to expand...

But the asked for my bank account number and sort code, which I did have, what chance is there of someone who was trying to stop a possibly cloned cardhave them or
my home address etc.
Lesson learnt, next time this happens I won't bother to report it till I get back home, which could be a while in some cases and hope no one manages to clear
the account in the meantime, as it seems that wanting a simplified way of reporting it is wrong.
BTW I have previously had a phone call from the bank regarding what they thought was suspicious activity with my bank card, would be just as simple for them
to do the same for a stolen card report if they were concerned
 
Gremlin said:
But the asked for my bank account number and sort code, which I did have, what chance is there of someone who was trying to stop a possibly cloned cardhave them or
my home address etc.d
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Let's simply imagine someone knew your card no and a few other details and for some reason wanted to have a little revenge against you. It would hurt a little to discover your cards have been blocked as a prank, and it would cost bank too.
 
LongLensPhotography said:
Let's simply imagine someone knew your card no and a few other details and for some reason wanted to have a little revenge against you. It would hurt a little to discover your cards have been blocked as a prank, and it would cost bank too.
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No one does that is one thing I am certain of :)
 
What ever, you obviously know best so no point in arguing
 
I tend to sing my bank ID numbers, and pass codes to myself ( in my head ), it works. Like those catchy jingles, mainly vehicle insurance adverts, that sing their telephone number.
 
Any important PIN's I need to remember - I have 'made up' contacts in my long phone lists - that only I know are relevant to my bank - and that a certain position within the contact telephone number is the pin - which may be backwards or forwards - so you'd be hard pressed to guess it out of a couple of hundred contacts any time soon....
 
Gremlin said:
Lesson learnt,
Click to expand...

Yay!

Gremlin said:
next time this happens I won't bother to report it till I get back home, which could be a while in some cases and hope no one manages to clear
the account in the meantime, as it seems that wanting a simplified way of reporting it is wrong.
Click to expand...

Oh .... I prematurely yayed, excuse me.....
 
Hm. I have a knack for remembering long strings of numbers, I just can't remember people's names :)
 
Quit the childish bickering or I'll start handing out suspensions and bans.
 
I agree with the security, im glad of the amount I have to go through, it is reassuring! I wouldn't be complaint about this.....!
 
LCS said:
I agree with the security, im glad of the amount I have to go through, it is reassuring! I wouldn't be complaint about this.....!
Click to expand...


Normally I don't mind and have the info to hand when l ring, but not being at home and treating it as an emergency l
did find it annoying, but l know for future not to bother ringing till l get home and can get the paperwork out.
My job means l have a lot of access codes etc that l use daily to remember, can't think when l last contacted my bank !
 
Gremlin said:
Normally I don't mind and have the info to hand when l ring, but not being at home and treating it as an emergency l
did find it annoying, but l know for future not to bother ringing till l get home and can get the paperwork out.
My job means l have a lot of access codes etc that l use daily to remember, can't think when l last contacted my bank !
Click to expand...
Exactly for that purpose I keep them in an encrypted file with me. Perhaps an idea for the future.

Personally I like it that a bank doesn't just block ones card without going through security. I mean am account code and sort code are not exactly secret. However I've never been asked that ID number. Just other elements of my account which would be much harder to obtain but easy for me to confirm.

The most annoying one I had was when they blocked my card when trying to pay a £25 equivalent bill. Aparantly the cash withdrawal earlier tricked some risk profile and as they couldn't get hold of me on my landlines they blocked the card. It was so embarrassing. But why would I be at home when the withdrawal was in Italy. Just call me on my mobile. I wouldn't have had an issue with that.
 
dejongj said:
Exactly for that purpose I keep them in an encrypted file with me. Perhaps an idea for the future.
Click to expand...

I wrote all my codes on a piece of paper, which I then scanned into my iPhone using an app called Scanner Pro. The app is password locked and the iPhone is touchID locked. I've almost always got my phone with me.
 
dejongj said:
Exactly for that purpose I keep them in an encrypted file with me. Perhaps an idea for the future.

Personally I like it that a bank doesn't just block ones card without going through security. I mean am account code and sort code are not exactly secret. However I've never been asked that ID number. Just other elements of my account which would be much harder to obtain but easy for me to confirm.

The most annoying one I had was when they blocked my card when trying to pay a £25 equivalent bill. Aparantly the cash withdrawal earlier tricked some risk profile and as they couldn't get hold of me on my landlines they blocked the card. It was so embarrassing. But why would I be at home when the withdrawal was in Italy. Just call me on my mobile. I wouldn't have had an issue with that.
Click to expand...

The security questions would have been fine and tbat is the route it went after a lot of time wasting, like you l'm happy with that,
but l now can't contact them as they are sending a new set of codes etc, despite me saying l had them at home:banghead:
They only have my mobile number ;)
 
dejongj said:
Exactly for that purpose I keep them in an encrypted file with me. Perhaps an idea for the future.

Personally I like it that a bank doesn't just block ones card without going through security. I mean am account code and sort code are not exactly secret. However I've never been asked that ID number. Just other elements of my account which would be much harder to obtain but easy for me to confirm.

The most annoying one I had was when they blocked my card when trying to pay a £25 equivalent bill. Aparantly the cash withdrawal earlier tricked some risk profile and as they couldn't get hold of me on my landlines they blocked the card. It was so embarrassing. But why would I be at home when the withdrawal was in Italy. Just call me on my mobile. I wouldn't have had an issue with that.
Click to expand...

Do you need to tell your bank of your travel abroad plans? Apparently that makes it far less likely to get such block with HSBC.
 
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LongLensPhotography said:
Do you need to tell your bank of your travel abroad plans? Apparently that makes it far less likely to get such block with HSBC.



phs...
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I had that conversation, they suggested not normally especially as for me it isn't unusual. They suggested it was that particular area and cash machine where a lot of fraudulent transactions happen. Personally I don't mind that they have security in place. It was quite normal previously that in a shop I had to do a telephone confirmation. To me it was the problem that they tried to contact me on a landlines to which I obviously would have had access if it was really me.

So in short security verification is good, but let's be sensible about it.
 
You can buy plastic metal coated credit card sleeves that stop your card being read ,allegedly ,I bought some for the family hope they work ,wouldn't like anyone robbing my £3.97 bank balance
 
Bet I get grief tomorrow trying to lift a fair bit of cash, the other week I took some pound coins in to exchange for £100 notes, had to have it transferred into an account then given out, got to have a paper trail they said...I thought it was only if transactions were over £10,000 that was required.
 
The problem I have is that the security for some is awkward compared to others - Online HSBC are shocking, Barclays is excellent.

My big pain (not just banks) is that there are so many password variants... some need to be 6 characters, some 8, some need a capital, some need a number etc... So you have lots of passwords and can then never remember which is which so you write them down which is not secure!!!

Similar to the OP I had a massive rant at First Direct (and left them as a result) as i was getting junk mails off them each week, rang to tell them to stop and as I couldn't remember some part of security they wouldn't... fair enough to transfer money or change address but to just stop getting junk mail???
 
Oh for the days when you got yer pay packet at the end of the week, gave it to swmbo, got yer weeks pocket money to do with as you please...

Better half took care of the household budget on a weekly basis...the local bank staff knew you by name, the bank manager knew you were good for what you needed to borrow.

No getting over your head too much, no stupid identity numbers etc...jeez, I can barely remember my full name these days...
 
This morning I got a text from the bank telling me my card had been reported lost/stolen, and they were issuing a new one,
if I hadn't reported it please contact them on the number included in the text, so that answers the what if someone else did it as a wind up !
I also have my old card back, had to pop into tesco where I last used it according to the Bank and they still had it (y)
Seems they keep them in the safe for a week before destroying them unlike some other places where it's 24 hours.
So I can now destroy it myself :D
Also on the plus side it seems my credit card with the bank is linked to the account and I can use it to get cash from any branch, but not machines as that is chargeable
 
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