Fraud

[kinboshi]

Was the victim about 5 years ago when someone rang HSBC pretending to be me and once convincing the call centre in india changed all my details and started transferring money into another account, thankfully i spotted the money leaving my account within 24 hours and they suspended my account and started re-setting all the details. I asked what other security precautions i could put in place to stop it happening again - they said there wasnt anything apart from lying when entering all of my security details

"so to stop my account becoming victim of fraud you want me to give you fraudulent information?"

"yes"

so now all the answers to their security questions such as "place of birth" and "first school" are made up places only i know answer to - account not been hacked since & 6 weeks later i got all the money back off HSBC.

My bank looked at all the transactions on my account and blamed online betting sites for been the most obvious place where my account details could be obtained - 1 week later HSBC were front page news when it turned out that their Indian call centre sold account details to The Sun for £100........

Have to agree with Gatso on the Visa password being a joke - although i always remember what the password is yet it never works but then after second attempt it just tells me to change it and transaction goes thru

For anything online you should never give the correct answer to the 'security question' when setting it up.  If they ask for your first school teacher, your answer should be your previous house's post code - or something like that so you can remember, but no one can 'discover'.  If they want the name of your pet, then give them an old phone number you remember.  If they want your mum's maiden name - give them the registration number of a car you used to own, etc.  You just need to remember the answers you've given to which questions...

[kinboshi]

Martins money savings tips has a wicked forum where there is an expert on every company trying to shaft you.

That's the one that sprung to mind for me - and it's worth posting on there for help.

[titaniumbean]

God this stuff tilts me so hard.


I keep getting phone calls from my bank (Barclays), they call from a blocked number then proceed to say 'it's Barclays we just need you to answer a few security questions so we can talk to you'...... they want my security password/date of birth and other basic stuff which could be used to edit stuff online.


So I proceed to put on the phonejacker voice and say to the male who's phoned me:




good morning madam I am calling from your bank, what is your details yo so I can speaks to you.



The guy laughed and was like errmmm yeh sorry this is what we have to do by our procedures, I point out how stupid they were, how many times i'd complained about their stupidity and the lack of effort they are willing to put in to 'prove' who it is that has phoned me. It is such a joke.


When I explained I wouldn't do anything except abuse barclays procedures until he proved who he was he said he could 'tell me the middle digits to my long bank card number" (normally starred out) and one other thing that I wasn't impressed with. It is so ridic. The "data protection act" stops them telling me stuff about my account and stops them telling me who they are etc.  No it doesn't you bastard whores you just use that phrase because that's all you know, you don't know any better omg asdlfkja;sldkfjasdfklasdlfk;j sadf;lkajsdf;



asldkfjasldkfj;aslkdfj; aldfasdl;kfj;asdlkfjasdf

[Geo the Sarge]

God this stuff tilts me so hard.


I keep getting phone calls from my bank (Barclays), they call from a blocked number then proceed to say 'it's Barclays we just need you to answer a few security questions so we can talk to you'...... they want my security password/date of birth and other basic stuff which could be used to edit stuff online.

Unfortunately it is a (FSA) complaince requirement to "vet" customers even though it is they who are calling you.

Passwords and the like should never be asked for. Standard for Lloyds is - Name - Address - DOB and for you to give a recent transaction i.e. standing order currently running for Sky/AOL or the like.

If you are ever in doubt always tell them you will call them back and use a trusted number. You will have to go through the vetting again but at least you will know you are talking to the right people. Do not call back on a number given by the "suspicious caller."

Geo

[Woodsey]

Was the victim about 5 years ago when someone rang HSBC pretending to be me and once convincing the call centre in india changed all my details and started transferring money into another account, thankfully i spotted the money leaving my account within 24 hours and they suspended my account and started re-setting all the details. I asked what other security precautions i could put in place to stop it happening again - they said there wasnt anything apart from lying when entering all of my security details

"so to stop my account becoming victim of fraud you want me to give you fraudulent information?"

"yes"

so now all the answers to their security questions such as "place of birth" and "first school" are made up places only i know answer to - account not been hacked since & 6 weeks later i got all the money back off HSBC.

My bank looked at all the transactions on my account and blamed online betting sites for been the most obvious place where my account details could be obtained - 1 week later HSBC were front page news when it turned out that their Indian call centre sold account details to The Sun for £100........

Have to agree with Gatso on the Visa password being a joke - although i always remember what the password is yet it never works but then after second attempt it just tells me to change it and transaction goes thru

For anything online you should never give the correct answer to the 'security question' when setting it up.  If they ask for your first school teacher, your answer should be your previous house's post code - or something like that so you can remember, but no one can 'discover'.  If they want the name of your pet, then give them an old phone number you remember.  If they want your mum's maiden name - give them the registration number of a car you used to own, etc.  You just need to remember the answers you've given to which questions...

WTF, I even forget the real answers sometimes, fk making them up!

[titaniumbean]

God this stuff tilts me so hard.


I keep getting phone calls from my bank (Barclays), they call from a blocked number then proceed to say 'it's Barclays we just need you to answer a few security questions so we can talk to you'...... they want my security password/date of birth and other basic stuff which could be used to edit stuff online.

Unfortunately it is a (FSA) complaince requirement to "vet" customers even though it is they who are calling you.

Passwords and the like should never be asked for. Standard for Lloyds is - Name - Address - DOB and for you to give a recent transaction i.e. standing order currently running for Sky/AOL or the like.

If you are ever in doubt always tell them you will call them back and use a trusted number. You will have to go through the vetting again but at least you will know you are talking to the right people. Do not call back on a number given by the "suspicious caller."

Geo

Nah I just stay on the line so long and abuse them for so long that if they don't leave and are apologetic they are barclays

it is just so ridiculous.



I HATE BANKS

[kinboshi]

Was the victim about 5 years ago when someone rang HSBC pretending to be me and once convincing the call centre in india changed all my details and started transferring money into another account, thankfully i spotted the money leaving my account within 24 hours and they suspended my account and started re-setting all the details. I asked what other security precautions i could put in place to stop it happening again - they said there wasnt anything apart from lying when entering all of my security details

"so to stop my account becoming victim of fraud you want me to give you fraudulent information?"

"yes"

so now all the answers to their security questions such as "place of birth" and "first school" are made up places only i know answer to - account not been hacked since & 6 weeks later i got all the money back off HSBC.

My bank looked at all the transactions on my account and blamed online betting sites for been the most obvious place where my account details could be obtained - 1 week later HSBC were front page news when it turned out that their Indian call centre sold account details to The Sun for £100........

Have to agree with Gatso on the Visa password being a joke - although i always remember what the password is yet it never works but then after second attempt it just tells me to change it and transaction goes thru

For anything online you should never give the correct answer to the 'security question' when setting it up.  If they ask for your first school teacher, your answer should be your previous house's post code - or something like that so you can remember, but no one can 'discover'.  If they want the name of your pet, then give them an old phone number you remember.  If they want your mum's maiden name - give them the registration number of a car you used to own, etc.  You just need to remember the answers you've given to which questions...

WTF, I even forget the real answers sometimes, fk making them up!

It's more fun trying to remember made up answers though.

I cancelled a credit card I'd had for years (and was about 50p in credit on it somehow), and I called up and one of the questions they asked was "what is your memorable word?".  Ermmmm, I just had to say "sorry mate, it wasn't really that memorable for me."

He gave me the first letter, but I still didn't have a clue.  When he gave me the second and third it came back to me, but I managed to get the fourth letter from him as well before I told him I'd remembered.  So it became a spelling test/game of hangman rather than a security process.

[Geo the Sarge]

Snoops,

I may apply to be your personal adviser soon, banks, netteller etc. you sure are an unlucky dude.

CBA to search for a previous post re this so here goes.

Hopefully after the last time you have noted dates/times names of calls made (also the number you called from they can search by that) these will all be recorded and can be easily "pulled" and listened to by them.

Call them back and tell them you wish to make a formal complaint due to their inefficiency in dealing with this and the additional costs you have incurred. Their first response will be to look to see if this can be resolved within 24 hours, by the sound of this it may not be possible. However none of the banks like to have to register and report complaints it goes badly against them.

If it goes complaint route then they MUST give a response within 5 days, usually a letter confirming they are looking into your complaint and that they will respond further within 14-21 days. Once you receive the reply keep phoning the number they supply every 3-4 days asking for updates.

Make a record of all calls/names of who you speak to and what they say. For example I had to settle a case were we had correctly clawed back commission from an IFA after they had stopped a premium, unfortunately some numpty at the office had told them there would be no clawback. Even though we were correct with the clawback we still had to reimburse him due to incorrect info given.

Therefore if you have been told, incorrectly or otherwise that you will be refunded xxxxx then this can be heard on the recording and they will most likely be held to credit this.

THIS IS IN ADDITION TO YOUR DEALINGS WITH THE FRAUD RECOVERY.

In effect the Customer Relations Department will then be chasing the dept dealing with your fraud recovery and putting them under pressure for an early resolution.

As said before I deal with these things daily. I don't work for HSBC but we all are governed by the same rules.

Hope this helps, if needs be PM me any other details you'd like me to comment on.

No account details or the likes obv - in before the rest of them

Geo

[kinboshi]

Geo's your man snoops!! 

[Geo the Sarge]

Edited post to read "resolved within 24 hours."

Geo

[snoopy1239]

Snoops,

I may apply to be your personal adviser soon, banks, netteller etc. you sure are an unlucky dude.

CBA to search for a previous post re this so here goes.

Hopefully after the last time you have noted dates/times names of calls made (also the number you called from they can search by that) these will all be recorded and can be easily "pulled" and listened to by them.

Call them back and tell them you wish to make a formal complaint due to their inefficiency in dealing with this and the additional costs you have incurred. Their first response will be to look to see if this can be resolved within 24 hours, by the sound of this it may not be possible. However none of the banks like to have to register and report complaints it goes badly against them.

If it goes complaint route then they MUST give a response within 5 days, usually a letter confirming they are looking into your complaint and that they will respond further within 14-21 days. Once you receive the reply keep phoning the number they supply every 3-4 days asking for updates.

Make a record of all calls/names of who you speak to and what they say. For example I had to settle a case were we had correctly clawed back commission from an IFA after they had stopped a premium, unfortunately some numpty at the office had told them there would be no clawback. Even though we were correct with the clawback we still had to reimburse him due to incorrect info given.

Therefore if you have been told, incorrectly or otherwise that you will be refunded xxxxx then this can be heard on the recording and they will most likely be held to credit this.

THIS IS IN ADDITION TO YOUR DEALINGS WITH THE FRAUD RECOVERY.

In effect the Customer Relations Department will then be chasing the dept dealing with your fraud recovery and putting them under pressure for an early resolution.

As said before I deal with these things daily. I don't work for HSBC but we all are governed by the same rules.

Hope this helps, if needs be PM me any other details you'd like me to comment on.

No account details or the likes obv - in before the rest of them

Geo

Thanks Geo. Great to have a man on the inside! 

Out of interest, more than anything else, why are banks concerned with registering complaints beyond the admin work? Who gets to see them apart from that bank?

Also, I haven't really incurred "additional costs", it's just the hassle of it all, and them (1) not refunded me within a month and (2) not bothering to keep me updated on why that is. Does that make a difference to your post?

I must admit that I've been useless with names and dates, but I'll call Visa Inquiries and ask them if they are going to refund me so I have something on record.

Thanks again. I wish I'd sought your advice when the ATM stole my money in Vegas, but when you're racking up three-figure phone bills you have to give yourself a cut-off point before you dig too deep a hole. p.s. you've never worked for John Lewis by any chance, have you?

[kinboshi]

Snoops, is it the Solihull John Lewis?  That's the worst one I know (the store itself is great, I mean the customer service side of things).

Have you escalated the problem so that someone with more clout is involved?

[ripple11]

Surprised about John Lewis.  Definitely worth a formal written complaint, saying you have had to take days off work/loss of income for these failed deliveries.

[snoopy1239]

Snoops, is it the Solihull John Lewis?  That's the worst one I know (the store itself is great, I mean the customer service side of things).

Have you escalated the problem so that someone with more clout is involved?

It's actually Peter Jones, in Sloane Square, London. I don't normally seek compensation, but this has gotten silly now. I'm just not sure on the correct procedure. Approaching five months now, and still no (correct) sofa.

[doubleup]

Out of interest, more than anything else, why are banks concerned with registering complaints beyond the admin work? Who gets to see them apart from that bank?

http://www.ombudsman-complaints-data.org.uk/