Stupid Banking Muppets

[tim2100]

Just had a phone call from one of the Banks. They called me at 11am on a Saturday morning saying they are from a Bank. Ok the bank wants to speak to me. They called me. Then I need to confirm 1st line of address, Postcode, and then Date of Birth. I need to do this as part of data protection, after all I could be anybody!
They fking called me the fking fkwits. I'm happy to confirm Address, as this information is commonly available. But not happy confirming my DOB, without them confirming something to me. So ask for the year of my birth. I can't give you that sir its Data Protection. Well sir you will have to go into the Bank. No I'm not going to take time out of my schedule to go and queue in a stty Bank. Oh well in that case I will have to record this on your profile and terminate the call. Ok Bye.

fkwits

[Austin.J]

Can do very little with your DoB, that's why we ask for it as very few people bar yourself will know it.

We ask to confrim who you are as for all we know you could of moved house and not updated your number with the bank.

Also if you don't complete security, we don't care, that's not our problem, much easier for us to have you go in to branch.

So next time you start bhing about us fkwits, remember we're doing it so you don't get fked over.

Edited by Austin.J on Saturday 15th May 11:20

[sday12]

Austin.J said:

Can do very little with your DoB, that's why we ask for it as very few people bar yourself will know it.

We ask to confrim who you are as for all we know you could of moved house and not updated your number with the bank.

So next time you start bhing about us fkwits, remember we're doing it so you don't get fked over.

Best anti-rant ever

[wagon and horses]

The moment they say or imply you have an account with them they are breaking the data protection act - unless they know you are you.

Think about it. The moment they speak to someone who pretends to be you and they end up stealing your cash, you would be ranting about how lax they are.

Its for your own good.

[omgus]

sday12 said:

Austin.J said:

Can do very little with your DoB, that's why we ask for it as very few people bar yourself will know it.

We ask to confrim who you are as for all we know you could of moved house and not updated your number with the bank.

So next time you start bhing about us fkwits, remember we're doing it so you don't get fked over.

Best anti-rant ever

+1 Have another

[Austin.J]

swerni said:

Austin.J said:

Can do very little with your DoB, that's why we ask for it as very few people bar yourself will know it.

We ask to confrim who you are as for all we know you could of moved house and not updated your number with the bank.

So next time you start bhing about us fkwits, remember we're doing it so you don't get fked over.

But in all fairness the system is flawed.
The bank phones me up and ask me security questions before they will tell me why they have phoned.
I'm supposed to trust they are who they say they are but they won't trust me despite the fact it's them that have called me.

Would the bank be happy me giving random people personal information which may help them defraud the bank? Someone is hardly going to phone me and say "I'm trying to rip you off can I have your mothers maiden name and DOB"


To the OP, it's easy to resolve you just tell them you will call back and you phone the number on your bank card. It really isn't rocket science

You can only say which department is ringing OR which bank it is, not both due to data protection rubbish, so most of the time we just say the banks name as it's easier, we cannot say the reason why we are ringing until you do security, cannot remember why, just do.

But like i said before, you could have changed your number and not updated it with the bank, so we could just be ringing some randomer and giving them your details.

[Frederick]

Just ask them for a contact name and number, google the number or check your bank's website, phone them back if it's a recognised number. Simple.

[Austin.J]

swerni said:

wagon and horses said:

The moment they say or imply you have an account with them they are breaking the data protection act - unless they know you are you.

Think about it. The moment they speak to someone who pretends to be you and they end up stealing your cash, you would be ranting about how lax they are.

Its for your own good.

As I said in my post, the flaw is that you have no secure way of identifying them, unless you call them back. They could be someone phoning you planning on stealing your cash.
It's a clear flaw in the system.

Fairly easy to tell thought when it's not actually the bank, asking for card numbers ect, sometimes we will ask about direct debits, standing orders, current balance.

I can see why you'd get abit pissy when being asked about DD's, but it does prove who ever is calling is from the bank if they know info like that, or that some bugger has been in your bins.

Edited by Austin.J on Saturday 15th May 11:41

[ShadownINja]

How do you know the caller isn't scamming?



"Gooooood morning, sir, I am George Agdgdgwngo from the your bank! I am calling about the monies to be transferred but first I need to check some details. If I could just take your name, address and date of birth?"

[wagon and horses]

swerni said:

wagon and horses said:

The moment they say or imply you have an account with them they are breaking the data protection act - unless they know you are you.

Think about it. The moment they speak to someone who pretends to be you and they end up stealing your cash, you would be ranting about how lax they are.

Its for your own good.

As I said in my post, the flaw is that you have no secure way of identifying them, unless you call them back. They could be someone phoning you planning on stealing your cash.
It's a clear flaw in the system.

As has been said - phone them back then. There is no other way to do it.

Well done though for answering your own question, in the rant

[Flintstone]

Phone them back? Good idea. That'll work, won't it? Well, no. Not if it's that shower of st named Santander.

Like the OP I received a call and refused to dish out information to someone I couldn't identify. Called them back to be told "Your credit card's fine, no idea who called you".

Repeat over five consecutive days.

Day Six. Another call. Phoned Santander and was asked if I had any loans or other accounts with them, answer 'No'. "Well in that case we have to terminate the call and warn* you that we will continue to call until the matter is resolved". Fine. Fill your boots. I'm going nowhere.

Day Seven, see above paragraph.

Day Eight, ditto.

It eventually came out that Alliance & Leicester, with whom I have a savings account, are now part of Shower Of st Ltd but because I don't scrutinise the FT and didn't know this they refused to speak to me. Oh, and the reason for the original call was a missing payment from me. Hardly surprising seeing as it was a new credit card, I'd never received a statement (despite asking three times) and so didn't know how much I owed. Needless to say the balance was paid off, card cut into pieces and returned to Shower Of st Ltd with an appropriate letter.

• I took exception to this rather menacing comment which was obviously part of the company script being their Parthian shot at the end of every call.

[Rocksteadyeddie]

swerni said:

wagon and horses said:

swerni said:

wagon and horses said:

The moment they say or imply you have an account with them they are breaking the data protection act - unless they know you are you.

Think about it. The moment they speak to someone who pretends to be you and they end up stealing your cash, you would be ranting about how lax they are.

Its for your own good.

As I said in my post, the flaw is that you have no secure way of identifying them, unless you call them back. They could be someone phoning you planning on stealing your cash.
It's a clear flaw in the system.

As has been said - phone them back then. There is no other way to do it.

Well done though for answering your own question, in the rant

eerr

I wasn't the one ranting and I was also the one who said phone them back.


Well done for having the capability to read

Over-rated skill

[Fer]

I object to these calls on the grounds of "man in the middle" attacks, and don't see why I should be expected to furnish them with all my details without any form of confirmation they are not just a phishing trip.

Maybe I just refuse under the DPA.

[NDA]

It does seem rather bizarre that you're expected to give out personal details to a caller that is unable to give you any proof of their own identity.

[Neil H]

Whenever O2 call me or I call them, they ask for a pre-agreed password. This, I think, makes more sense as it can be impersonal information, just a word that is known only by you and them.

[mouseymousey]

Neil H said:

Whenever O2 call me or I call them, they ask for a pre-agreed password. This, I think, makes more sense as it can be impersonal information, just a word that is known only by you and them.

But if it's not actually O2 that have called you then you've given your password to a stranger. How does that help?

It would be OK if they gave you the password when they called you, but they don't.

[Vixpy1]

I never give details out to someone who has called me, if its important, they can send me a letter

[Nolar Dog]

mouseymousey said:

Neil H said:

Whenever O2 call me or I call them, they ask for a pre-agreed password. This, I think, makes more sense as it can be impersonal information, just a word that is known only by you and them.

But if it's not actually O2 that have called you then you've given your password to a stranger. How does that help?

It would be OK if they gave you the password when they called you, but they don't.

So.. a randomer rings. Says "Hello, I'm from O2, can I have your password?"

You give it him/her.

Then what?

I doubt random scammers would know O2 need a password...

[ATG]

NDA said:

It does seem rather bizarre that you're expected to give out personal details to a caller that is unable to give you any proof of their own identity.

Indeed. Given that it is a fairly basic and common requirement for the bank to be able to contact their customers, you might have hoped they'd have managed to come up with a process that wasn't fked. But no.

And it's also good to see another organisation completely failing to deal with data protection intelligently.

[ATG]

Nolar Dog said:

So.. a randomer rings. Says "Hello, I'm from O2, can I have your password?"

You give it him/her.

Then what?

I doubt random scammers would know O2 need a password...

I'd be astonished if a scammer pretending to be from 02 didn't know the authentication procedure. And what happens next? How about they ring up 02, use your password to identify themselves as you so they can change 02's record of your delivery address, order a new mobile handset at your expense, etc, etc?