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  • FIRST POST
    • katejo
    • By katejo 19th Jan 16, 7:03 PM
    • 2,810Posts
    • 1,066Thanks
    katejo
    Problem with TSB contactless?
    • #1
    • 19th Jan 16, 7:03 PM
    Problem with TSB contactless? 19th Jan 16 at 7:03 PM
    I have only had the above card for about 6-8 months. The contactless feature started working intermittently and eventually failed. I requested a new card which arrived yesterday. I tried to use it today but again it failed. I will test it in another place first before contacting TSB again. I really wish that it was possible to talk to a real person instead of getting automated responses. Fortunately it isn't my main bank account so I have alternative cards.

    Has anyone else had the same problem please?
Page 6
    • MarkFromCornwall
    • By MarkFromCornwall 22nd Jun 16, 7:58 PM
    • 656 Posts
    • 389 Thanks
    MarkFromCornwall
    Well I've never heard of it before, and the reason for this can be deduced from the fact that it's an American site that you quote. I think it's an unnecessary intrusion into our language so I'll just continue with 'good spot' or 'well spotted'.
    Originally posted by Kernel Sanders
    The meaning is subtly different. 'Good spot' or 'well spotted' is appropriate when someone is particularly observant or, for example, notices a bargain. 'Good catch' implies that, in a situation where there is a collective will to succeed, the person has spotted a mistake and thus averted a disaster or at least kept a project on track. 'Good catch' suggests the speaker is grateful for the error having been noticed.
    • masonic
    • By masonic 22nd Jun 16, 8:15 PM
    • 8,426 Posts
    • 5,415 Thanks
    masonic
    The meaning is subtly different. 'Good spot' or 'well spotted' is appropriate when someone is particularly observant or, for example, notices a bargain. 'Good catch' implies that, in a situation where there is a collective will to succeed, the person has spotted a mistake and thus averted a disaster or at least kept a project on track. 'Good catch' suggests the speaker is grateful for the error having been noticed.
    Originally posted by MarkFromCornwall
    I quite like to use the term catch/caught as a surreptitious acknowledgement that the comment was of a more adversarial nature (i.e. they "caught me out").
    • karmasujata
    • By karmasujata 23rd Jun 16, 3:15 PM
    • 1 Posts
    • 0 Thanks
    karmasujata
    I have had this intermittent problem with two TSB contactless cards and called TSB again today. Apparently it's a security feature to prevent thieves using our cards! I was advised to check my balance at any cashpoint using the card and PIN (thereby not having to spend any money using the PIN method). This apparently reactivates the contactless feature. It would have been useful to have been warned about this, TSB!
    • Ballard
    • By Ballard 23rd Jun 16, 3:41 PM
    • 1,272 Posts
    • 946 Thanks
    Ballard
    I have had this intermittent problem with two TSB contactless cards and called TSB again today. Apparently it's a security feature to prevent thieves using our cards! I was advised to check my balance at any cashpoint using the card and PIN (thereby not having to spend any money using the PIN method). This apparently reactivates the contactless feature. It would have been useful to have been warned about this, TSB!
    Originally posted by karmasujata
    They do warn about it.

    http://www.tsb.co.uk/current-accounts/guides/contactless-payments/

    How many times a day can I use contactless?

    You can use it as many times a day as you want, but every now and then you may be asked to enter your PIN. This is to double-check that it's you who's in possession of your card.
    I got a letter from the government the other day. I opened it and read it. It said they were suckers.
    • Goldiegirl
    • By Goldiegirl 23rd Jun 16, 4:01 PM
    • 8,307 Posts
    • 47,302 Thanks
    Goldiegirl
    I only started using my TSB card to get the 5% on the contactless transactions. I use it maybe once or twice a week and estimate that I have to put the PIN in every five transactions or so. It always seems to be when it's a higher value transaction, rather than a small one.


    I'm fed up with it now - I'm not going to bother with it any more as it's such a small reward for the annoyance factor. My cashback paid this month was just 0.63p I can live without that
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • where are we
    • By where are we 23rd Jun 16, 7:49 PM
    • 99 Posts
    • 30 Thanks
    where are we
    Not many MSE people will agree that a 5% reward is not worth the bother.Perhaps you could use your contactless card more frequently.Yes,you do have to use your pin after every 5 - 10 transactions to enable the contactless to work again.Perhaps you could open a second account and get a second card to use when your first one fails.We have 4 cards and manage £20 cashback most months.
    • Goldiegirl
    • By Goldiegirl 23rd Jun 16, 9:44 PM
    • 8,307 Posts
    • 47,302 Thanks
    Goldiegirl
    Not many MSE people will agree that a 5% reward is not worth the bother.Perhaps you could use your contactless card more frequently.Yes,you do have to use your pin after every 5 - 10 transactions to enable the contactless to work again.Perhaps you could open a second account and get a second card to use when your first one fails.We have 4 cards and manage £20 cashback most months.
    Originally posted by where are we
    The thing is, I don't make that many small transactions each month - I don't want to spend more money than I normally would just to get rewards.

    I have my sole TSB account which I've been using for the contactless cash back, my husband has a sole account and we have a joint account.

    But I don't want to juggle all those cards around for what would amount to a couple of quid a month.

    To my mind, being MSE is being sensible, and using 3 cards to make a maximum of £2 from my normal spending pattern is too much faffing around to be sensible.
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • where are we
    • By where are we 24th Jun 16, 10:11 AM
    • 99 Posts
    • 30 Thanks
    where are we
    There are ways to get round the £30 limit - as I have already mentioned in a previous post.(1)Split supermarket shopping into 2 lots or ask the cashier to stop just below £30 and pay twice using your contactless card (2)If a bill is over £30 pay part cash to take it below £30 (3)Ask the retailer to make up 2 bills each below £30. Only last week at my dentist I noticed they had a contactless machine and the receptionist spit the bill into £30 and £21.There is a £5 off £40 voucher at Lidl in todays Metro (free) so for a £41 shop it becomes £36 after the voucher and I will pay £6 cash and £30 contactless. As more and more retailers get contactless terminals the opportunities to use contactless will increase.So being sensible is worth about £240 in a year.All my spending is normal and I would not suggest using the card just to get 5%.
    • Goldiegirl
    • By Goldiegirl 24th Jun 16, 2:00 PM
    • 8,307 Posts
    • 47,302 Thanks
    Goldiegirl
    There are ways to get round the £30 limit - as I have already mentioned in a previous post.(1)Split supermarket shopping into 2 lots or ask the cashier to stop just below £30 and pay twice using your contactless card (2)If a bill is over £30 pay part cash to take it below £30 (3)Ask the retailer to make up 2 bills each below £30. Only last week at my dentist I noticed they had a contactless machine and the receptionist spit the bill into £30 and £21.There is a £5 off £40 voucher at Lidl in todays Metro (free) so for a £41 shop it becomes £36 after the voucher and I will pay £6 cash and £30 contactless. As more and more retailers get contactless terminals the opportunities to use contactless will increase.So being sensible is worth about £240 in a year.All my spending is normal and I would not suggest using the card just to get 5%.
    Originally posted by where are we

    To be honest, all that is taking it too far for me


    I don't want a queue of people behind me while I juggle cards and pay for two lots of shopping


    In any event, Sainsbury's (where I do my supermarket shopping) doesn't do contactless in the store I go to, so I wouldn't even have to opportunity to pay for my groceries in that way.


    I've rarely earned above £2 a month, and realistically that isn't going to change. Apart from the supermarket I'm a bulk shopper / buy online type of person, so I only get a chance to use contactless for the odd small purchase.


    As the offer finishes in January, I reckon I'll loose about £14. I can live with that
    Early retired - 18th December 2014
    If your dreams don't scare you, they're not big enough
    • where are we
    • By where are we 24th Jun 16, 6:08 PM
    • 99 Posts
    • 30 Thanks
    where are we
    For online purchases at Amazon you can can purchase £30 worth of Amazon gift cards at Morrisons using your TSB contactless card, get £1.50 cashback and get a 3p per litre off petrol voucher at Morrisons as well. I realise I cannot persuade you as an individual but I hope I have helped others to save a little.
    • Kernel Sanders
    • By Kernel Sanders 5th Jul 16, 10:30 PM
    • 2,874 Posts
    • 1,213 Thanks
    Kernel Sanders
    I'm fed up with it now - I'm not going to bother with it any more as it's such a small reward for the annoyance factor. My cashback paid this month was just 0.63p I can live without that
    Originally posted by Goldiegirl
    I'm heading this way too, although I am wondering why the annoyance at missing the occasional 5% seems greater than missing it on the lot!
    I guess you don't program in Javascript or C++.
    Originally posted by masonic
    I don't, and could barely program a VCR, so I have no idea what you're talking about.

    I quite like to use the term catch/caught as a surreptitious acknowledgement that the comment was of a more adversarial nature (i.e. they "caught me out").
    Originally posted by masonic
    Again, I'll stick with rumbled or sussed out.
    • masonic
    • By masonic 6th Jul 16, 6:06 AM
    • 8,426 Posts
    • 5,415 Thanks
    masonic
    Again, I'll stick with rumbled or sussed out.
    Originally posted by Kernel Sanders
    Which, of course, you are free to do. The beauty of the English language is that it is rich enough that we have these choices of diction and don't need to listen to others who may try to impose their own word usage conventions by "correcting" others.
    • bxboards
    • By bxboards 6th Jul 16, 5:59 PM
    • 1,088 Posts
    • 883 Thanks
    bxboards
    I have this card and I find more often than not I need to enter a PIN as I get an angry 'insert card' beep from the machine if I try contactless.

    I've had used my PIN 3 times out of the last five, PIN used in Sainsburys on Sunday, then card used today and had to enter my PIN.

    Very frustrating - I do not have this issue with my contactless AMEX, I seem to need to enter a PIN almost every time the transaction is over £20, regardless of the fact I have made a PIN transaction prior to it.
    • agentk
    • By agentk 6th Jul 16, 7:34 PM
    • 151 Posts
    • 136 Thanks
    agentk
    Tin foil hat time

    Are these cards logging are spending habits! or indeed smarter than that. Regards anything out the ordinary. Which i assume is the purpose to detect fraud. As i rarely have problems in retailers i use a lot.

    I will be back to cash if the offer ends i am not looking forward to a cashless society which one would pay to spend via a transaction charge and maybe even to withdraw cash. They tried that one!

    A bit worrying

    m
    3.55kw 2 systems 2.3 se 1.25 sw installed may 2011 and oct 2011..

    I have never been mis sold anything but i have bought a few things i didnt need!
    • masonic
    • By masonic 6th Jul 16, 7:55 PM
    • 8,426 Posts
    • 5,415 Thanks
    masonic
    Tin foil hat time

    Are these cards logging are spending habits! or indeed smarter than that. Regards anything out the ordinary. Which i assume is the purpose to detect fraud. As i rarely have problems in retailers i use a lot.

    I will be back to cash if the offer ends i am not looking forward to a cashless society which one would pay to spend via a transaction charge and maybe even to withdraw cash. They tried that one!

    A bit worrying

    m
    Originally posted by agentk
    It has always been within the power of retailers to profile those who pay by card, contactless or not. They may not get quite as good a picture as if you use a loyalty card, since you might not always use the same card/payment type. Whether they actually do so I have no idea. Similarly, banks can see where you use your card.

    If that sort of thing bothers you, then cash is your only option (and stay away from any loyalty cards and personalised discount vouchers).

    I hate to break it to you, but if you shop with any major retailers, you'll probably find that you pay a transaction charge even when paying by cash - since the credit/debit card fees are usually loaded onto the price of goods. Very few have a transaction charge that only applies to card purchases.
    • agentk
    • By agentk 6th Jul 16, 8:44 PM
    • 151 Posts
    • 136 Thanks
    agentk
    It has always been within the power of retailers to profile those who pay by card, contactless or not. They may not get quite as good a picture as if you use a loyalty card, since you might not always use the same card/payment type. Whether they actually do so I have no idea. Similarly, banks can see where you use your card.

    If that sort of thing bothers you, then cash is your only option (and stay away from any loyalty cards and personalised discount vouchers).

    I hate to break it to you, but if you shop with any major retailers, you'll probably find that you pay a transaction charge even when paying by cash - since the credit/debit card fees are usually loaded onto the price of goods. Very few have a transaction charge that only applies to card purchases.
    Originally posted by masonic
    Thank you food for thought.
    3.55kw 2 systems 2.3 se 1.25 sw installed may 2011 and oct 2011..

    I have never been mis sold anything but i have bought a few things i didnt need!
    • asc1991
    • By asc1991 10th Oct 16, 11:06 AM
    • 24 Posts
    • 2 Thanks
    asc1991
    Hi all,

    Firstly can I ask you all to submit a complaint to TSB about this issue, as I have. Currently for me nearly 50% of the time contactless fails and they ask for my pin. TSB say it's for "security". Even though I shop in the same Aldi, the same day every week... they can't realise that trend.

    Anyway... if we all complain they might sort themself out:


    http://www.tsb.co.uk/help/complaints/
    • Biggles
    • By Biggles 10th Oct 16, 6:01 PM
    • 6,971 Posts
    • 4,409 Thanks
    Biggles
    Anyway... if we all complain they might sort themself out
    Originally posted by asc1991
    I don't think they think they have a problem; I think it's working as they have planned it. And even if they did eventually resolve what we see as a problem, the whole 5% cashback scheme finishes in a few weeks so would barely benefit us at all.
    • molerat
    • By molerat 10th Oct 16, 6:39 PM
    • 15,053 Posts
    • 9,394 Thanks
    molerat
    I spent £60 in 3 transactions on different terminals in the same shop last week. I thought that would have kicked up a security PIN.
    www.helpforheroes.org.uk/donations.html
    • leeroy2009
    • By leeroy2009 11th Oct 16, 5:34 PM
    • 575 Posts
    • 224 Thanks
    leeroy2009
    the worst contactless card I have, constantly failing to work, lost out on loads of 5%, I make a point of using another cashback card every time this happens.
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