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Yup, was genuine. Now I'm curious as to how they got the details in the first place. I'm sure I'd notice something on an ATM and haven't bought online since Amazon at Christmas.
Genuine Check?
- Thread starter CliffyBiro
- Start date
Itll be compromised online merchant, usually is. Used it online at any places you dont normally use?
Screwfix Direct either online /over counter were notorious for losing or staff knicking card details when i worked in the card industry.
Screwfix Direct either online /over counter were notorious for losing or staff knicking card details when i worked in the card industry.
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I don't think so. Actually, the last payment on that card was to Superdry's online store just a few weeks ago.
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The same goes if she sounded Rumanian.
She was a scouser. But that doesn't help matters.
Errr.....no.....they don't.
I'm with NatWest and I make plenty of Paypal transactions.
On the two occasions my NatWest card has been blocked and I've been contacted there was indeed payments being made without my knowledge.
This is my biggest pet hate. I absolutely loathe it when they ask me for my details.
Um, no, if you are who you say you are, calling me, then you have my details in front of you. Why dont YOU tell ME what my address and DOB are so I know you're not a complete random who found my telephone number?
Generally i refuse. I tell them if it's important they can send me a letter. Granted, I've never had a call about fraud and it would be counter productive to refuse details in that scenario but they'd still need to pass me to a supervisor or something.
Um, no, if you are who you say you are, calling me, then you have my details in front of you. Why dont YOU tell ME what my address and DOB are so I know you're not a complete random who found my telephone number?
Generally i refuse. I tell them if it's important they can send me a letter. Granted, I've never had a call about fraud and it would be counter productive to refuse details in that scenario but they'd still need to pass me to a supervisor or something.
Caporegime
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How on earth have they not figured this out yet, its SOO damn simple. Ask everyone to store their banks single and only security contact number in their phone, always phone the customer with the SAME DAMN NUMBER, not a different one every god damned week.
Then when you contact them, ask for no details, simply give them some kind of code that, when you ring back to the number you know is genuine, you get to a switchboard type thing where you put in the number they gave you, which will put you directly through to the person who is dealing with your account.
It gives you such an obvious and easy way to contact the person you need to and to be sure its genuine, to call a single number the bank uses so everyone can know its genuine without it changing.
Its ridiculous the number of times people from banks/credit card companies phone you, with no proof whatsoever who they are but won't continue a conversation they start until you confirm your details.
THe other option is fairly simple, have customers remember a code word, or number, maybe two different words and before they ask you to confirm who it is, you, the customer being called get to confirm their identity by asking them for the 3rd, 5th, and 10th letter of your security word, they can't answer, its not them.
Then when you contact them, ask for no details, simply give them some kind of code that, when you ring back to the number you know is genuine, you get to a switchboard type thing where you put in the number they gave you, which will put you directly through to the person who is dealing with your account.
It gives you such an obvious and easy way to contact the person you need to and to be sure its genuine, to call a single number the bank uses so everyone can know its genuine without it changing.
Its ridiculous the number of times people from banks/credit card companies phone you, with no proof whatsoever who they are but won't continue a conversation they start until you confirm your details.
THe other option is fairly simple, have customers remember a code word, or number, maybe two different words and before they ask you to confirm who it is, you, the customer being called get to confirm their identity by asking them for the 3rd, 5th, and 10th letter of your security word, they can't answer, its not them.
Err...yes...they do
On the two occasions mine has been blocked they have been by transactions made by me.
Soldato
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Sounds OK to me.
They have a sensible system, with 2 way identity confirmation. You didn't give them anything they may not already have except your month of birth.
Those transactions look just like test transactions from a fraudster, expect your new card soon.
They have a sensible system, with 2 way identity confirmation. You didn't give them anything they may not already have except your month of birth.
Those transactions look just like test transactions from a fraudster, expect your new card soon.
Yes, breach the data protection act. They need to verify its you to make sure they're not talking to some random, would you be happy with them just giving out your personal details over the phone?
When I used to work at Nationwide it happened a lot, people didn't trust you so you just got them to phone the call centre. Imo its always better to sort out sooner rather than later, the restrictions on your card can become a nuisance and the bank can't really move forward without your say so.
In regards to the letter: If its a targeted scam how can you be sure they don't have your home address
.Yes, breach the data protection act. They need to verify its you to make sure they're not talking to some random, would you be happy with them just giving out your personal details over the phone?
When I used to work at Nationwide it happened a lot, people didn't trust you so you just got them to phone the call centre. Imo its always better to sort out sooner rather than later, the restrictions on your card can become a nuisance and the bank can't really move forward without your say so.
In regards to the letter: If its a targeted scam how can you be sure they don't have your home address
And i need them to verify it's them to make sure i'm not talking to some random
Was that bit confusing? And no, I don't expect them to breach Data Protection, I was merely being flippant.And I can be sure because if i have a letter, I can take it into a branch and discuss it with the bank if i'm still not happy with it's authenticity. It's really not that hard. With a phone call, I have to rely on them doing call recordings which, 9 times out of 10, companies just say "oh no we only record *some* of them", because it's a pain (and i know) to request recordings.
I don't rely on my one card, and as nuisance as it is to have it restricted, i'm still not giving personal details to anyone from a withheld or random phone number who call up and say "hello, it's your bank". LIke I said, they can send me a letter and i'll take it into a branch.
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hsbc's new tactic seems ok to me, they give half details and ask you for the rest, so they give you the day and month you were born and ask for the year and give you the first part of the postcode and ask for the remainder etc.
Indeed, I've used the same tactic when my bank cold call me ... I tell them to give me part of my credit card number / details and I give them the rest, they seem happy to comply.
simples
Right.
And as I said NatWest have been absolutely excellent as far as I'm concerned.
Being 100% pro-active on the two occasions my debit card had indeed become compromised.
Never ever had any other problem.
So no, I do not agree with your blanket statement that NatWest and ****.
Because of that ridiculous thing called the Data Protection Act. They cant give out any details about you to a random stranger, which is what you are until they can confirm who you are (It could be anybody answering the phone). And the way to confirm that is by asking YOU security questions.