Barclays Bank - Useless

Barclays Bank - Useless

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Discussion

RemyMartin

6,759 posts

204 months

Thursday 1st December 2016
quotequote all
Barclays app is great. OP is a tool.

cpjitservices

Original Poster:

373 posts

93 months

Thursday 1st December 2016
quotequote all
R8Steve said:
Voice recognition/fingerprint/etc on phone/mobile devices will always be a 'level 1' authentication in that you can view basics like balance/transactions. They are not secure enough to make transactions hence the need for a PIN or similar.

It's hardly the banks fault that you have forgotten your pin/falsified your security answers and don't want to go to the branch.
I'll quite happily go to the branch... It opens at 9:30 AM and Closes at 4:30PM - During which I am at work and can probably only get out for 30 mins at lunch. It'll take me approx 45 mins to get to the local branch. I work Saturdays too 9 till 3. Branch closes at 4 On Saturday by the time I get there it will be closing. My weekday hours are 8:30 till 5 sometimes 6PM.

cpjitservices

Original Poster:

373 posts

93 months

Thursday 1st December 2016
quotequote all
RemyMartin said:
Barclays app is great. OP is a tool.
I cant use the App, Barclays claim my Account is not compatible so how am I a tool ?


R8Steve

4,150 posts

174 months

Thursday 1st December 2016
quotequote all
cpjitservices said:
R8Steve said:
Voice recognition/fingerprint/etc on phone/mobile devices will always be a 'level 1' authentication in that you can view basics like balance/transactions. They are not secure enough to make transactions hence the need for a PIN or similar.

It's hardly the banks fault that you have forgotten your pin/falsified your security answers and don't want to go to the branch.
I'll quite happily go to the branch... It opens at 9:30 AM and Closes at 4:30PM - During which I am at work and can probably only get out for 30 mins at lunch. It'll take me approx 45 mins to get to the local branch. I work Saturdays too 9 till 3. Branch closes at 4 On Saturday by the time I get there it will be closing. My weekday hours are 8:30 till 5 sometimes 6PM.
In that case you'd be best advised not to forget your PIN.

RemyMartin

6,759 posts

204 months

Thursday 1st December 2016
quotequote all
cpjitservices said:
RemyMartin said:
Barclays app is great. OP is a tool.
I cant use the App, Barclays claim my Account is not compatible so how am I a tool ?
Because you waded in saying how crap Barclays are, when you got your pin wrong (your fault, regardless of how often you use it) and they have offered an alternative, if you cannot make it that's not their fault, barclays does not exist for just you lol.

cpjitservices

Original Poster:

373 posts

93 months

Thursday 1st December 2016
quotequote all
RemyMartin said:
Because you waded in saying how crap Barclays are, when you got your pin wrong (your fault, regardless of how often you use it) and they have offered an alternative, if you cannot make it that's not their fault, barclays does not exist for just you lol.
Again I completely agree. This is why I was pissed off. Yes I forgot my PIN whoops, unlucky. My beef is they offer other services such as the App and Phone banking but my account isnt compatible ? Thats not my fault. Had I been aware that this was the case I would of taken more care to remember the PIN.

R8Steve

4,150 posts

174 months

Thursday 1st December 2016
quotequote all
cpjitservices said:
Again I completely agree. This is why I was pissed off. Yes I forgot my PIN whoops, unlucky. My beef is they offer other services such as the App and Phone banking but my account isnt compatible ? Thats not my fault.
How is that not your fault? Presumably you knew what the account offered and were happy with it when you opened it?

So now you forgetting your PIN and you choosing the wrong account are Barclays fault, anything else?

Riley Blue

20,915 posts

225 months

Thursday 1st December 2016
quotequote all
cpjitservices said:
RemyMartin said:
Barclays app is great. OP is a tool.
I cant use the App, Barclays claim my Account is not compatible so how am I a tool ?
What sort of Barclays account is incompatible with the Barclays app?

RemyMartin

6,759 posts

204 months

Thursday 1st December 2016
quotequote all
None of this is their 'fault' though. I'm really failing to see how they are useless.

Why would you try to not remember any pin? As others have said stored away on a phone as meaningless numbers would have helped here.

williamp

19,213 posts

272 months

Thursday 1st December 2016
quotequote all
cpjitservices said:
TooMany2cvs said:
There isn't. There's several. But, yes, they all require you to confirm your identity - and I don't think it's a bad thing that the account's locked if you cock doing that up.
Agree completely.. but I have confirmed who I am several times. Via Voice recognition AND Answers to questions which I only know the answers too.
You hadnt though: you got it wong three times in a row. Had you stopped at two and called/gone online they would authengticate you jusing different means. But your account waas blocked so they needed you in person to un-block it. Sounds very reasonnable to me.

Imagine their view: someone gets the pin wrong three times. they then phone up and try a different approach. Then they try online. Then they phone up. In my opinion, Barclays got it right. They are also aware that professinal fraudsters will build up a profile of someone before they "strike". So little bits of info you give away here and there might be collected and kept for the right moment.

The bank offers several ways to access your money, and money is accessed millions of times every day.

CaptainSensib1e

1,432 posts

220 months

Thursday 1st December 2016
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I'd prefer my bank to be overly cautious rather than dish my money out to anyone who phones up pretending to be me.

drainbrain

5,637 posts

110 months

Thursday 1st December 2016
quotequote all
I like the calls they make and then ask you to go thru security/prove your identity. How silly is that? Of course I'm flaming' me. That's why they've got the number I've just answered giving my name.

Won't tell you why they're calling and can't answer when you ask how you can tell they are who they're saying?

Want you to call them back to satisfy yourself they are who they are. Oh yeah. Like a fraudster's going to answer the phone "hello, Fraudster speaking".

And anyway, why should I phone them? I've no reason to. So if they've something to say they can put it in writing and send it to the address they're probably unsure I'm really at too.

Imbeciles.

Funnily enough, that letter never arrives. Probably because whatever they wanted was nonsense in the first place, like this week's relationship manager on to introduce themselves and offer you services they must assume you're too stupid to ask for if you need them.


sidicks

25,218 posts

220 months

Thursday 1st December 2016
quotequote all
drainbrain said:
I like the calls they make and then ask you to go thru security/prove your identity. How silly is that? Of course I'm flaming' me. That's why they've got the number I've just answered giving my name.

Won't tell you why they're calling and can't answer when you ask how you can tell they are who they're saying?

Want you to call them back to satisfy yourself they are who they are. Oh yeah. Like a fraudster's going to answer the phone "hello, Fraudster speaking".

And anyway, why should I phone them? I've no reason to. So if they've something to say they can put it in writing and send it to the address they're probably unsure I'm really at too.

Imbeciles.

Funnily enough, that letter never arrives. Probably because whatever they wanted was nonsense in the first place, like this week's relationship manager on to introduce themselves and offer you services they must assume you're too stupid to ask for if you need them.
Strange. If the bank calls me, it's normally for my benefit (suspected fraud on my account etc) - I've ticked the boxes that tell them not to call me for marketing calls.

If I get a call, I call them back on a number I know to be valid, discuss the issue quickly and then get on with my life. Very simple but effective!

drainbrain

5,637 posts

110 months

Thursday 1st December 2016
quotequote all
sidicks said:
Strange. If the bank calls me, it's normally for my benefit (suspected fraud on my account etc) - I've ticked the boxes that tell them not to call me for marketing calls.

If I get a call, I call them back on a number I know to be valid, discuss the issue quickly and then get on with my life. Very simple but effective!
Has your bank got a box to tick if you really don't care who this week's relationship manager is and why don't they just put it in an email anyway because for all they know you're busy doing something like driving in a hire car?

You should be careful with that 'valid number' method. Apparently the more skilled fraudsters have a way of subverting that. And if you do that I take it you're not up for validating who you are when they phone? Quite right. Totally silly.

Like calling from withheld numbers or numbers that don't take incoming and also not leaving a voicemail message. Another bank speciality.

One way to stop worrying about bank account fraud is to limit what you keep in it, not least because the interest they pay is shyte anyway.


wibble cb

3,586 posts

206 months

Friday 2nd December 2016
quotequote all
RemyMartin said:
Barclays app is great. OP is a tool.
Can't agree with this, pretty much everytime Barclays update the app,the old version stops working and I have to update then re authenticate, which means using the pin sentry machine and a code sent via a mobile, all a huge faff,other banking apps I have are more apple, they just work.

cpjitservices

Original Poster:

373 posts

93 months

Friday 2nd December 2016
quotequote all
To be fair - When I setup the account - I was told I could use online banking and my card would work like any other. Its durong the life of the account when it has all changed - and I have not been told about it. I have not received emails or letters about the facts. Its a 'Savings' account. It doesnt have a cash card the card is apparently for paying in and withdrawing ONLY from Barclays ATM's.

Yes I should of stopped at 2, However, Hindsight is a wonderful thing. Had I known locking my card out was going to cause such aggro then I would of.,

johnwilliams77

8,308 posts

102 months

Friday 2nd December 2016
quotequote all
Interesting that this thread is allowed but not the guys feedback on Aston martin! Posting rule 6 or something

cpjitservices

Original Poster:

373 posts

93 months

Friday 2nd December 2016
quotequote all
Anyway Thanks for all of your opinions and advice, It's been taken on board with much appreciation.

I wish you all are well, enjoy the rest of the week and enjoy the coming weekend (looks like a drier one this weekend)


johnwilliams77

8,308 posts

102 months

Friday 2nd December 2016
quotequote all
cpjitservices said:
Anyway Thanks for all of your opinions and advice, It's been taken on board with much appreciation.

I wish you all are well, enjoy the rest of the week and enjoy the coming weekend (looks like a drier one this weekend)
Likewise
PS its you that's useless, not Barclays! wink

TooMany2cvs

29,008 posts

125 months

Friday 2nd December 2016
quotequote all
drainbrain said:
You should be careful with that 'valid number' method. Apparently the more skilled fraudsters have a way of subverting that.
No, they don't.

You're thinking of the old "Don't hang up, so the line stays open" - that has never worked if you bother to take the time to listen for a dial tone, and ringing a different number - even 1571 - first has always shown it up. B'sides, the timeout after one end hangs up to disconnect the call completely was shortened to two seconds a couple of years ago, so it doesn't work at all now.