General Chat

Part of a report in the DM this morning.

It used to be the case that banks could hold you at fault only if you had given away your Pin.

But some have introduced a list of up to 30 rules that customers must stick by or risk not being repaid their fraud losses.

The idea is to make it as hard as possible for criminals to get their hands on your details. These include:

Shredding bank statements and other official records.
Having separate Pins for different cards.
Not letting your computer save your passwords or automatically use them for online forms.
Ensuring your mobile phone is locked when you are not using it.
Checking no one can hear your calls to your bank.
Keeping virus software updated on your computer.

Banks won’t necessarily hold you to blame if you don’t do all these things. But failure to take these steps could see you branded negligent.

Read more: http://www.dailymail.co.uk/money/saving/article-2647498/Heres-protect-cash-bank-hacking-crime-wave.html#ixzz33ftyiLx8
Follow us: @MailOnline on Twitter | DailyMail on Facebook

To sort out and check your accounts was a good move OfitG. If you ever need to pay for something on line, it is possible to purchase a card and load it with the sum you require.
..........
You should have been a fly on the wall in our house this morning, but the CC company isn't to blame.

We are arranging for the delivery of a 'home improvement' costing a 4 figure sum.

- we are using the manufacturers agent
- we are paying by CC
- 2 weeks ago I phoned the CC co and advised them that the sum would be charged to my account the following day. I could hear the employee typing the 'approval' notes on to her PC
- the following day, I visited the agent. He took the card details and while I was sitting in front of him, phoned them through to the manufacturer.

Soo.....today the agent phones to tell me the delivery date and asking for payment.
Er - no! You took the details a couple of weeks ago!
Oh yes, I remember now. Sorry, but it didn't come up on my system. I'll give them a ring and get back to you

Then the manufacturer phones me.
Sorry, its not showing on our system that you've paid. Can I have your details please?
No you can't. Let me check my CC account on line and I'll call you back

There is no record of the transaction against my account.

The manufacturer is phoned back, card details given, but advised that there might be a problem with the CC co. After all, it was all set up for 2 weeks ago.

Not surprisingly, the charge was refused! Using the phone number on the back of the CC, I was directed to the Fraud dept even though I was trying to tell them that no fraud was involved. Anyway, they unblocked the card and the transaction was resubmitted & went through 10 mins later.

There were 2 text on my mobile - If I wasn't aware of what had gone on, they would have seemed complete gibberish.

Even if locking my card might have been highly embarrassing in other circumstances, I can't fault the CC company..............only blame the person at the manufacturer who didn't do what they should of, when they should of!

Yes, but what about the things banks do that are silly and help fraudsters? Mine sends correspondence that includes my middle name.......why? Just makes it easy for anyone to find personal info. Even worse, they send out bank statements that show my national insurance number next to my state pension payment. The feeble answer I got when I asked why was that it was the way it came in!

A few years ago I was asked by my bank to confirm that I had received my new replacement card (I had not) - They said the reason they were getting in touch was that "my card" had been used to draw cashback from various supermarkets in Milton Keynes only 10 mins before I had actually drawn money out of an ATM where I live (in the NW). The new card had been sent out to me but I had never received it and, as the old one was still in date, I was continuing to use it until I received the new one, imagining it was just taking longer to be sent out than normal.
Anyway, the bank were great. All monies drawn out (not by me) were reinstated to the account and the card was replaced with a new one/new account number - thankfully I only use it for drawing cash and don't have any standing orders etc on that account.

This thread is so worrying. The whole idea of stealing money from an OAP was a taboo when I was young. It just did not happen.

And who would ever have thought that you could not trust a bank cash machine. We seem to walk on eggshells these days. And internet trolls are everywhere and can makes lives of the trusting and unwary an absolute hell.

Wonder how things will change for my 2 week old beautiful granddaughter. Hope and pray she will have a good life. Enjoyed mine, but won't be sorry when Producer asks me to exit stage left.

My missis has control of several thousand pounds in her bank (which I pay"housekeeping" into) ,account. and pays electric/gas water/council tax by cheque. a few years ago she applied to Damart for some thermal clothing, responding to an advert in a magazine, and was refused credit( she would have sent a cheque, up front with the order)

reason...she was a poor risk..........being a housewife,never having owed anybody anything, she had no credit rating..........

Bob

Bob ..............


it's always a good idea for a woman to establish a credit rating in her own name



I got a credit card in my own name about 35 years ago .................... that was back in the days when most credit card issuers insisted on a woman having a male counter signing for her.

I went into my bank prepared to do battle to get a Visa card .............. I had a job, I had 3 accounts with the bank, etc etc

I thought I was in for a real battle of wills when I realised it was a middle-aged man of East Indian extraction who came to help me.

I was almost struck dumb ................... when he began to speak, he was obviously Canadian born, not an immigrant, and his immediate response to my request was .................


"That's a very good idea. My wife has got her own card. I'll just get all the forms sorted for you"

:-D :-D


I still use that card, although I long ago closed my accounts at that bank after a row with a new manager.


It does mean that I have a credit record that will enable me to get all kinds of things if I am left alone at any point .......... such as phone, electricity, etc to a new abode.


It may not be too late even now for your wife to get a credit card in her own name, and establish a credit rating of her own!

she is a bit of a luddite, wont have a card in her name........I've tried!!

Bob