Halifax faster payments - nearly there?

carpy

this is a joke......still cannot do a FP today so it looks like i wont get any money into my tesco internet saver now in time for the bonus points!!

JoseChungsDoomsday

sounds like some of the destination banks you are sending to do not recieve FP's

Check the sort codes here

http://www.apacs.org.uk/sortcodechecker/index.html

Not every bank has every sort code enabled

jennifernil

I checked all mine, they were all OK.

rb10

This thread is really interesting, I'm amazed that so many people have had problems. I've sent many FPs to Natwest (typically £50 - £500), they have all gone FP and been in Natwest by the time I logged in there 30 secs later.

Mikeyorks

jennifernil wrote: »

She then got "the Spanish Inquisition" on why she was doing stuff via a different ISP etc etc, and was told in future, if she moved "large amounts of money" they would ring her to check it was really her!

Are they not just going a little OTT here?!

Security is fine, but they seem to be trying to put obstacles in the way of people moving money around/out.

Whilst their 'roll-out' of FP and the (continuing) lack of communication has been rather a joke .... the security aspect you mention is a bit more realistic.

They have announced it to their customers very clearly and spelt out the implications (which are not at all linked to FP .... I wasn't quite sure if you were?). There's chapter and verse here :-

http://www.halifax.co.uk/onlinebankinghelp/numbercollect.asp?!!!!!HOME5

.... basically distils that if you access your account from an IP address (not an ISP) which is other than your normal (which they've captured) .... you're very likely to get an on-screen message inviting you to nominate one of the telephone numbers you've lodged with them. They will then call you on that number .... if you don't reply or can't respond with the requested security code - they will immediately suspend all your account accesses.

It's their alternate to the dreaded 'card reader'! But it does seem to work for all permutations of value not just "large amounts". There was a thread a few days ago from someone who had invoked the telephone dialogue for a transfer circa £18. As any fraudster would access your account from a PC which didn't have your 'signature' ... and they hopefully don't have access to any of your 'phones - it seems to be fairly well considered. At least in theory!

jennifernil

Yes, the bit where they ring you and you put in the security code is fine, and a good idea.
It was just the fact that they then rang 2 hours later and said she had to ring them back, and when she did she got a real grilling, that was a bit much. After all, she does actually live here, and quite often does banking on-line from here at weekends. Can they not manage 2 addresses for a customer?

What happens if you are away on holiday and do on-line banking? I'm afraid the difference between your IP address and your ISP is beyond my limited knowledge!

cottager

jennifernil wrote: »

What happens if you are away on holiday and do on-line banking? I'm afraid the difference between your IP address and your ISP is beyond my limited knowledge!

Yes, you wouldn't think it was beyond the wit of man to realise you may not always be on the same computer. :rolleyes:
In fairness though, they are not to know if the computer is being used by you or someone who has stolen your identity and acquired your login/password details.

Your IP (Internet Protocol) address is a set of numbers which uniquely identifies your computer/laptop to 'the system', in this case Halifax. This is not a number which comes from your computer. From my limited understanding of how it works, it's one assigned to it when you are connected to the internet through your ISP (Internet Service Provider). Each ISP holds pools or blocks of IP addresses.

There is no transfer of any personal information, or of anything you have stored on your computer, so it doesn't give away anything about you, but it is a means of telling one otherwise anonymous computer from another. So this is how the Halifax is alerted when your daughter uses someone else's. Any bank's or similar security would involve this type of check these days, as they are charged with keeping our money secure.

As I understand it, the nearest identification an IP address gives away is which country you are in and the region of that country... the region represented by the blocks of IP addresses which your ISP holds.

See http://whatismyipaddress.com/

Mikeyorks

jennifernil wrote: »

What happens if you are away on holiday and do on-line banking?

Bit about the IP / ISP well covered above .... so I'll do this bit.

If you contemplate using a PC other than your normal ... then you need to register your mobile number with their system .... and carry it with you. So that covers the 'on holiday' bit ... if in the UK? If abroad .. similar .. but more detail in the FAQs I gave the link to - snippet here :

If you are travelling abroad it is important that you have an available number we can contact you on. You can register an international number (landline or mobile) with us. If you have a UK mobile, please enter the number as normal and check with your service provider that your phone will work and that your network can receive calls overseas. If you have an international phone, you’ll need to:

• Give the International access code of the UK – this is ’00’
• Give the country code for the country you live or work in e.g. for Spain this is ’34’
• Give the area code for a landline (if there is one)
• Finally, give your phone number

So a mobile in Spain would look like ’00 34 123456789’

PROLIANT

cottager wrote: »

Yes, you wouldn't think it was beyond the wit of man to realise you may not always be on the same computer. :rolleyes:
In fairness though, they are not to know if the computer is being used by you or someone who has stolen your identity and acquired your login/password details.

Your IP (Internet Protocol) address is a set of numbers which uniquely identifies your computer/laptop to 'the system', in this case Halifax. This is not a number which comes from your computer. From my limited understanding of how it works, it's one assigned to it when you are connected to the internet through your ISP (Internet Service Provider). Each ISP holds pools or blocks of IP addresses.

There is no transfer of any personal information, or of anything you have stored on your computer, so it doesn't give away anything about you, but it is a means of telling one otherwise anonymous computer from another. So this is how the Halifax is alerted when your daughter uses someone else's. Any bank's or similar security would involve this type of check these days, as they are charged with keeping our money secure.

As I understand it, the nearest identification an IP address gives away is which country you are in and the region of that country... the region represented by the blocks of IP addresses which your ISP holds.

See http://whatismyipaddress.com/

The IP address is assigned dynamically from the ISP on the WAN (Wide Area Network), this lease of the IP address can range from 1 day to 365 days depending on the ISP, the ISP keeps records of these DHCP (Dynamic Host Configuration Protocol) Addresses for a certain lenght of time so if there is a problem then you can be traced.

Fedz

Oops! Halifax FP is having a burp!

I've been successfully transferring 2-3 times daily to my YBS savings account for the past week but, now it's not working :rolleyes:

I've tried several random amounts from £1 up to £250 but, still no go on FP.

I'll keep trying every few hrs