GRRRR!!! Internet Banking security...............

ValDa replied on 07/03/2016 18:43

Posted on 07/03/2016 18:43

I've just been trying to make quite a large transfer from my internet bank account, which has been flagged up as needing the Payment Verification Team to take a look at it.  As a result I had to answer four 'security' questions.  I could only give a truthful answer to one because the others needed 'None of the Above' answers.  Apparently I 'failed' because one of the questions was 'Which of these companies do you have a mortgage with?'.  I was read a list and answered 'None of the Above'.  However, in the list one of them was the company we used to have a mortgage with, but this was paid off more than eight years ago so we no longer have a mortgage!   I can only presume I was supposed to have given this company as my answer!

Now I have to take my passport and a utility bill into my bank tomorrow.  I called in at the bank this morning to ask if I could make this transfer and was told that as it was under the maximum amount there was no problem!

I am steaming!    I asked if I could speak to a manager to say the question needed to be 'Which of these companies do you have, or have you previously had, a mortgage with' in order to be able to give a correct answer!  But apparently I'm supposed to give an incorrect answer in order to 'pass' the security questions.

Be warned if you're asked similar questions!

redface replied on 07/03/2016 21:05

Posted on 07/03/2016 21:05

Along similar lines I have problems with Tesco bank.Their system has decided that it does not recognse my computer, despite happily having done so for 2 of the past 4 yrs or so. It drives you mad. Why should I now have to get a 'one off' code to get things to work - EVERY TIME?

TheAdmiral replied on 07/03/2016 22:14

Posted on 07/03/2016 22:14

Along similar lines I have problems with Tesco bank.Their system has decided that it does not recognse my computer, despite happily having done so for 2 of the past 4 yrs or so. It drives you mad. Why should I now have to get a 'one off' code to get things to work - EVERY TIME?

Re Tesco, this should only happen when you clear your History, then they cannot identify you and you have to request a one off security code, sounds good to me. the best thing to do is NOT clear your History

Admiral

Wherenext replied on 07/03/2016 22:23

Posted on 07/03/2016 22:23

Drive you mad do banks.

We were almost denied the privelge of opening an account because we didn't want any overdraft facility coupled with the fact that we haven't had a loan of any sort in the last 20 years means our credit rating wasn't showing anything because we haven't had to repay anything. Catch 22. 

Common sense eventually won out but only after lots of hair tearing.

DavidKlyne replied on 07/03/2016 22:26

Posted on 07/03/2016 22:26

When we were buying our previous caravan I paid the balance by using my debit card. Because it was a sizeable transaction we had to answer some questions over the phone. One was what was my date of birth. I still remember it so told them. Are you sure they said!!! It turned out that 27/07 was recorded as 27/01 at the bank where I had had an account for the past thirty plus years!!! Perhaps someone at some stage had  written the seven as a French seven or French one and no doubt when it was transcribe to a computer some years later it was put in as a one.!!! We got round it by the manager of the dealers telling a fib by saying I was a previous customer!!!

David

Pippah45 replied on 08/03/2016 07:12

Posted on 08/03/2016 07:12

I too have been having fun and games with Internet banking recently and the only thing that is keeping me from chucking the rigmarole is reminding myself that they are trying to keep me safe!  But even that wears thin as the frustration mounts!

volvoman9 replied on 08/03/2016 07:27

Posted on 08/03/2016 07:27

We are set up with three different banks for "internet banking" and its a good system if you use it regularly.Now if you dont it can be a pain as you cant always remember passwords and all three systems are slightly different.A couple of days ago i revised all our passwords and identity names and i still have two A4 sheets of id/password,s for all the other things we deal with online.Also when i write them down i do it in code so nobody else can understand them if they get hold of the paper which presents more problems as i cant always remember what code i,m useing Undecided. On the banking issue you also get the problem that if you dont get it right the first few times the system locks you out and the whole lot has too be reset by phoneing the bank and trying too speak too someone Sad

peter.

Oneputt replied on 08/03/2016 07:28

Posted on 08/03/2016 07:28

Paid for our caravan last year by internet bank transfer with no problem.  I had already been into the bank and informed them what I intended to do.  Worked well with no queries

volvoman9 replied on 08/03/2016 07:53

Posted on 08/03/2016 07:53

Paid for our caravan last year by internet bank transfer with no problem.  I had already been into the bank and informed them what I intended to do.  Worked well with no queries

I did a similar thing with our current van.I had too drive down too Devon so instead of carrying thousands of pounds with me i had it transferred too my bank in that area and once i wa satisfied with the van i withdrew the money and handed it too the seller.

peter.

Oneputt replied on 08/03/2016 08:00

Posted on 08/03/2016 08:00

we purchased our from a dealer in Sussex so after our inspection I transfer money from one account to my current account and then transferred that direct to the dealers bank account

InaD replied on 08/03/2016 08:07

Posted on 08/03/2016 08:07

Paid for our caravan last year by internet bank transfer with no problem.  I had already been into the bank and informed them what I intended to do.  Worked well with no queries

That's exactly what we did when buying our last MH.  What prompted us to do that was when we bought a car a few years ago and paid it with a debitcard, we were selected for a random check.  We were asked for our password for telephone banking; we apparently had one when we registered for that way back in the early 90's!  Never having used it, neither of us had any idea what it was, but the lady on the other end of the phone was very patient and asked other things about the account, such as dates and amounts of Direct Debits, which I know off the top of my head, so we did manage to pay it in the end.  

Bearing all that in mind, we went into the bank this time and they made a note of everything relating to the paymentand it all went smoothly this time, phew!

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