Bank accounts that do FP but not DD

noh

Mark_In_Hampshire wrote: »

.............

For example, if the recipient actually saw not my sort code and account number, but instead got my debit card number, CVC code and expiry date, they still don't have my 3D Secure password to order online. One piece of data is missing.
.................
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Hate to add to your paranoia but the use of the 3D secure password function is not compulsory for online retailers.
Many don't use it a notable one being Amazon.

opinions4u

Mark_In_Hampshire wrote: »

That I don't know. Certainly when my Mum or partner receive a payment from me they see the details, the former doesn't have an "arrangement" (e.g. payment details) set up to me which shows up online, the latter does (that's Halifax to Co-Op).

My reply has only been tested on Halifax > Halifax accounts.

If Halifax are planning this then I could just hang around for a few weeks as that solves this.

Fairly sure it will. On top of that, at present if you post-date a transaction on Web Saver and Online Saver it goes (in most, but alas not all cases) via FP for the day of request.

Not yet reflected online.

http://www.halifax.co.uk/onlinebankinghelp/fasterpayments.asp

MsSupertech

Never had any problems with 'unauthorised' DDs in 35 years of bank use.
Are you sure the problem isn't the way your bank checks the set-up rather than the principle of DDs

noh

MsSupertech wrote: »

Never had any problems with 'unauthorised' DDs in 35 years of bank use.
Are you sure the problem isn't the way your bank checks the set-up rather than the principle of DDs

Thats the point though.
Banks don't check the set up of DDs.
The DD mandate is held by the originator.
The OP appears to have been very unlucky in having 3 unauthorised DDs set up on his accounts.

pqrdef

Mark_In_Hampshire wrote: »

In the past I've had two DD mandates appear to companies I never even traded with, and one which got set back up without my authorisation.

A lot of people manage to give their bank details wrong when setting up a DD. They don't bother checking, they just rely on the website to give them an immediate error if they get anything wrong.

Often the result is that the DD gets set up on the wrong account.

Some firms have now started asking for a cheque or bank statement as proof of bank details, but most don't. Only "reputable" firms can set up DDs, but they rely on data from the customer.

Thing is, they aren't targeting you and they don't have to have got hold of your bank details as such.

You could even be the victim of some idiot who persistently makes the same mistake.

System

You do know that even if YOU couldn't see it; your sort code, account number and name on your account was always sent by BACS, FP and CHAPS?

If you want to ensure that people to whom you send funds don't have your details use cash or open a building society account with a building society cheque withdrawal facility.

As for DD fraud, the bank will just cancel the DD mandate and debit the originator (company) / refund you. If it becomes a serious issue, the originators bank (sponsor) will remove or curtail their DD facility.

Hope that helps put your mind at rest.

Mark_In_Hampshire wrote: »

Today's weird question

I have a Halifax bank account (for my sins)

Recent changes to online banking mean that when I send a payee a payment online, they get to see my sort code and account number within the payment reference.

I don't use direct debit, as it's so insecure. All that's needed to set one up on my account are the two pieces of data that are now, thanks to a change, being disclosed to everyone I pay.

Since I've had that happen three times to me (DD mandates appearing that I didn't even set up in the first place) I wanted to verify with the bank that the direct debit system/facility was completely disabled on the account, as I had asked them to do. However apparently it isn't, so the account still has a huge gaping security hole in it now exacerbated by the disclosure of all the information anyone would need to debit it, to everyone I pay.

Their suggestion was to regularly check the account online to make sure nobody has set up any mandates on it, which is laughable. or, to send the payments as CHAPS payments at a cost each time (this is just for paying e.g. gas, electricity, and so on). Or, pay in cash at a bank.

Can anyone suggest a bank account which can make faster payments out, receive them inbound, and which preferably has a debit card too (not bothered about a cheque book) though I could go without that if I have to, but which does not support direct debit?

Thanks,
Mark