Phone calls from your bank?

ShelfStacker_3

We use a simple system. We confirm the customer's birth year and day, and ask them to confirm the month (or something similar). They prove they know, you prove you know. Far too simple for some, apparently.

robpw2

ShelfStacker wrote: »

We use a simple system. We confirm the customer's birth year and day, and ask them to confirm the month (or something similar). They prove they know, you prove you know. Far too simple for some, apparently.

no its a unsolicited call i dont want to have to give my date of birth out to someone who rings me .. I dont care if you say you work for hsbc .. unless i call hsbc i have no guarentee that you arent just trying to con details out of me . its not about being simple its about i have been burnt before i do not want to take that risk again

willo65

Paul_Herring wrote: »

1) When do banks ever do this? Mine certainly wouldn't/doesn't (ignoring the fact this wouldn't happen to me anyway.)
2) My credit card company ring me from a known number that is in my address book. I know it's them before I answer the call.
3) Anyone with ISA's would/should know this.

None of your points, however, address the OP's situation - they were ringing yup to advertise.

1) some banks do this and they may also offer a review at the same time so could be seen as marketing
2) What about your bank (Debit Card)
3) Should but quite often don't and again this could be seen as marketing.

willo65

robpw2 wrote: »

1. i dont answer any security questions by people who ring me ..
they can send me a text like they normally do
2. i don't answer any security questions by people who ring me
they can write or leave a message with a contact number asking me to call back .
3. I dont EVER give any answers to security question by people who ring me .
they can WRITE, LEAVE a Message or TEXT

1) This bank doesn't send texts. So you refuse to talk on phone and they write to you at which point you've already incurred numerous charges and promptly ring the bank to complain.
2) ok they write to you and either your attempts to pay for your holiday by debit card is declined and you miss out on a great deal or they let the transaction go through and your account is minus £3000 you didn't spend.
3) Ok again they write to you and you miss out on a couple of hundred pounds interest - your loss.

ShelfStacker_3

robpw2 wrote: »

no its a unsolicited call i dont want to have to give my date of birth out to someone who rings me .. I dont care if you say you work for hsbc .. unless i call hsbc i have no guarentee that you arent just trying to con details out of me . its not about being simple its about i have been burnt before i do not want to take that risk again

If they can give you the day and year of your birth, I think that's a pretty sure bet that they know you.

robpw2

ShelfStacker wrote: »

If they can give you the day and year of your birth, I think that's a pretty sure bet that they know you.

on what planet do you live ? because its not planet earth thats for sure ..

the day and year of your birth does not guarentee they know you - for all you know they intercepted your post and got lucky with a birthday card ..
for all you know they could have any dob there
caller :can i just check your dob as being 20 x xxxx
customer oh no youve made a mistake it xxx xxx xxx
caller oh yes thats the one i have written down here just wanted to check i was talking to mr x ..

and we give out our date of births so freely now adays that anyone could hear it or could get hold of it ..

The bank do not have exclusive access to it

robpw2

willo65 wrote: »

1) This bank doesn't send texts. So you refuse to talk on phone and they write to you at which point you've already incurred numerous charges and promptly ring the bank to complain.
2) ok they write to you and either your attempts to pay for your holiday by debit card is declined and you miss out on a great deal or they let the transaction go through and your account is minus £3000 you didn't spend.
3) Ok again they write to you and you miss out on a couple of hundred pounds interest - your loss.

1, i can fight charges and at least some fraudster cannot steal money using my personal detials.
2. if they suspect its a fraudlent transaction then it will be on hold till they have heard from me so that doesnt matter if its by phone or by letter.
3. then perhaps the bank should send out marketing material in advance


:rotfl::rotfl::rotfl:

I would rather be inconvenicned for a couple of days rather than have my personal detials used fraudently

AnxiousMum

Paul_Herring wrote: »

Unless you instigated the phone call, or it was about something you know about, you don't.

If you're at all unsure, ask them for a reference number, and a public phone number you can call them back on which can be verified as belonging to them.

Alternatively, if you can be bothered, play the 'why won't you prove who you say you are,' and ask them for the answers to your personal details. DOB, Mother's maiden name, first pet, inside leg measurement etc.[/QUOTE]
And if it is a sales call - ask them when they have their busiest time of day - ie with kids, dinner etc., and that you will call them at home during that time to discuss the matter Funny how they never can verify who they are though, nor do they want to call you at a time inconvenient to them!

RadoJo

When my bank have called in the past I just say I won't give them my details over the phone, but if it's urgent, but I will call them back on the number I have for them.

That way, if there's an urgent issue which needs addressing, I can call back safe in the knowledge that I am speaking to someone legitimate, and if they are just trying to sell me something, it's non-urgent and they can send me details in the post or via my web banking. That way I am not missing important info, but I know my details are safe.

catweazle_2

catweazle wrote: »

Hi,

Earlier today I received a cold call from my bank, informing me of new products and asking if I was interested. Fair enough - but it got me thinking, in the course of the call I was asked a few personal details for 'security purposes'.. Fair enough, or so it seems. But my question is, how do I know I was called by a genuine bank employee and not someone phishing for information?

Any thoughts, people?

Thanks for the advice. I think I'll request they use snail mail in future and ask their number and check them out. They did not announce they were from my branch, but asked permission to ask some questions (I think that should be the time you realise they are trying to sell you something.).

To be fair, that same bank did legitimately telephone me once to check some activity on my account was instigated by me (it was) - so in some ways, knowing they are so on-the-ball is a good thing.

I'm going to be much more careful in future.