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

Internet banking is the best thing since sliced bread.

just been helping our son on a house purchase and all the money transfer was done on line.  Can hardly remember the last time I went into a bank.

i use 'Last Pass' for passwords, it randomly selects passwords made up of numbers letters daft characters etc. You can have as many characters as you wish. Passwords are saved and you only have to recall the password for 'Last Pass'

My problem wasn't with passwords, but on checks on my 'credit history' by the 'Payment Verification Team' and they asked for an answer that I couldn't truthfully give - so it was the question which was wrong, not my answer!

Even more galling is the fact that they've now suspended my internet access completely!  

I agree normally it's all straightforward, but don't assume it will be, and be prepared for the wrong answer if you get an ambiguous question!

I'm having to make a special visit to the bank this morning in order to sort it out quickly!

Val, we're in a similar position as you, mortgage paid off about 15 years ago, no loans for longer than that, creditcard paid off each month.  We're the people banks really don't like!

But we're the people having the stupid problems, when "computer says NO" 

It proves what I always say about internet banking in the past.  Personally, I don't ever use it.  Surprising how many people say I'm missing out.  I don't think so.  Also, my hubby paid of his substantial amount when we picked up our new caravan and used his debit card.  No problem what so ever.  Anyway, I shall not be using internet banking.  Don't need to.

Val, we're in a similar position as you, mortgage paid off about 15 years ago, no loans for longer than that, creditcard paid off each month.  We're the people banks really don't like!

But we're the people having the stupid problems, when "computer says NO" 

Love it, Ina!  I'm just going down to do battle with the bank (in person)!  However, our Bank Manager is lovely, so I've no doubt it will be sorted out soon!

It proves what I always say about internet banking in the past.  Personally, I don't ever use it.  Surprising how many people say I'm missing out.  I don't think so.  Also, my hubby paid of his substantial amount when we picked up our new caravan and used his debit card.  No problem what so ever.  Anyway, I shall not be using internet banking.  Don't need to.

I couldn't manage without internet banking.Its especially useful when we are abroad for a couple of months. I don't think I get paper statements anymore from my bank but I can look at the last seven years online and print off as and if required. One argument I would put in favour of internet banking is that if you use it at regular intervals, I am in the habit of looking in most days, I have on two ocassions spotted fraud on my account almost immediately it happened. Had I not use internet banking I wouldn't have known about it for up to a month and by then I would have been in the red. What I have not yet done is downloaded any banking apps to my phone which seems to be the way that things are developing so even internet banking as accessed by a computer will be old hat one day!!!

David

I once used a debit card to purchase a caravan, when the security checks were asked by the bank I completely forgot which utility companies we used! (Horrible few moments followed.) Next time I said OH could do it, non of it is easy when you don't have security checks very often.

I wont be using an app for phone banking, listening to You and Yours on Radio 4 yesterday proved how unsecure it still is.

We have many accounts (current accounts pay better interest than savings accounts) so use internet banking all the time, I even have a few "apps".

Mainly it is OH who operates the accounts, I just try to do as I am told, and frequently get into trouble when I don't !!!

Our current van we paid for with debit card, we did have to speak with the bank to confirm it was us.

However, the previous year we bought the car (some £36k) by debit card, and the bank did not bat an eylid.  Most odd we thought.

I'm still not a happy Bunny!  I went to the local branch with the requested ID (and happily they agreed to waive the charge for doing a CHAPS transfer as they acknowledged 'Fault') and said they'd removed any 'blocks on my account' so I came home feeling happy, especially when I got a text to say the required payment had all gone through.

However, I tried to access internet banking when we got back, and was surprised to see a message that my 'Login details are suspended' and to phone the team!  I did and Surprise, Surprise, yet again I failed 'Security' after failing to be able to answer a question about how much my last payment was to 'Scope' (a local Charity Shop) and on what day!  I paid £4 one day last week, to buy a set of eight bowls and plates, but couldn't remember exactly what day!  So yet again I'm blocked!  And all this is after replying correctly to all the pre-set security questions such as Grandmother's maiden name, Name of first school............... and more!

I phoned the bank who told me that all blocks had been removed, so I have to go back to the bank branch tomorrow and show them what happens when I login - so they can phone on my behalf.

Fortunately we do have great service from our local branch so I've got an appointment early tomorrow, but even so I'm still feeling aggrieved!

Can you really be expected to quote exactly what you paid to a shop, and what day it was last week?  I obviously couldn't!

Well, you're obviously no good as a fraudster; they don't seem to have problems getting into accounts that aren't even their own!

How utterly frustrating, you couldn't make it up. Hope it will all be resolved tomorrow, but what a palaver.