Verified by Visa, and a credit card that begins with B

meer53

Janie4Now wrote: »

OP

Firstly, I don't understand why you didn't just pay the debt as soon as you realised what had happened. This is why they are hounding you day and night! Just pay them and get it over and done with.

Secondly, I had this exact same problem with both Barclaycard and HSBC - I don't know who these people are when they call and I will NOT give them personal information over the phone....they could be anyone!

Go to your on-line accounts and delete your phone numbers, ensuring that you tick the "contact by mail" box. If anyone does call you, then tell them that they must write to you because you don't know who they are.

But if you do this, be aware that it may cost you in extra charges or interest if you delay payment.

But do pay that Barclaycard bill......they will keep calling you until you do!

Asking for all correspondence to be sent by mail can cause problems. If you're away from home and have fraud on your account, what will you do to sort this out ? You could be left with no access to your money for weeks.

Janie4Now

meer53 wrote: »

Asking for all correspondence to be sent by mail can cause problems. If you're away from home and have fraud on your account, what will you do to sort this out ? You could be left with no access to your money for weeks.

I take your point, but I'm prepared to take my chances. Not that I travel from home much.....maybe I would feel differently if I did.

Janie4Now

UpAgainstABrickWall wrote: »

Thanks guys, at least the helpful ones. Actually, I have two great big dogs and I am not ancient. I appreciate my post was long and boring, but there are bigger issues here, one of them being the amount of information they hold on you, where they obtained it from, and the relevance it is to any banking issue. The fact my card is blocked for not making a payment is ridiculous, in my opinion. They make money out of people not making payments on time or not paying off their credit card bill in full. But I appreciate the time people have taken to read this: thanks.

Actually, OP, your card was blocked because you wouldn't talk to the company, not because you didn't make a payment. They wanted your attention, and they got it.

BTW, why didn't you just pay it as soon as you realised the problem? That would have obviated the need for them to cancel the card......

dalesrider

UpAgainstABrickWall wrote: »

The fact my card is blocked for not making a payment is ridiculous, in my opinion. .

You owe money. Missed a payment. Ignored their attempts to contact you.

Sorry, but what do you expect them to do.....

Allowing further spending on the card is never going to be a option and allowing the debt to grow.
Previous history means nothing in situations like this. Hard times can hit anyone. And its not personal on their part.

vet8

I see no one has answered the query about the weird spooky Verified by Visa questions. If they were genuine I think they are Mega odd,. I certainly would not answer questions like that. How would the bank know who you know !!!!!!.

UpAgainstABrickWall

I appreciate your point, Dalesrider. Luckily for me I am able to pay my very small bill in full each month (usually). My point is that I did not ignore their attempts to contact me, I asked them to verify to me who they were, and they refuse to do this until I answer a security question. Giving them 2 answers to a question (what is your email address? when I have a few) and them only accepting my first answer when I correctly gave them it as my second answer, is ludicrous to then say I have failed security.

UpAgainstABrickWall

And thanks, Vet 8. If it hadn't been for that, none of the following boring, totally stubborn 'no, I will not tell you my year of birth' on my part, would have happened. I do have a screenshot of it.

keyser666

Wheres_My_Cashback wrote: »

OH ! What happened to that promise ?

What a mug when someone who is a newbie has come on here obviously distressed.

dalesrider

UpAgainstABrickWall wrote: »

My point is that I did not ignore their attempts to contact me, I asked them to verify to me who they were, and they refuse to do this until I answer a security question. Giving them 2 answers to a question (what is your email address? when I have a few) and them only accepting my first answer when I correctly gave them it as my second answer, is ludicrous to then say I have failed security.

Fair point.

What we are allowed to do is give a couple of details out of the security questions held.
Which only the account holder should know. Or simply ask that you call back.
I would never refuse a request to verify who I work for. Only that there is a limit to what I can give.
Also we would allow 2 attempts at security. Failure is the 3rd attempt. After that its onto failed security and a lot more questions.

I can fully understand why people don't want to go through security when called.
Its a double edged sword. I am not sure I am talking to the correct person and youare not sure I am working for who I say I am.

I would go into a branch. Fully reset security so you have new details that you can remember.

UpAgainstABrickWall

I sincerely thank you all for your responses, whether I liked them or not. I don't think I made particular sense to begin with because I was so angry. I originally telephoned my debit card provider because I thought VbV security questions verged on 'how do you know this about me?' I still haven't got to the bottom of that: it was more like a Facebook question - "do you know this person?" - nothing to do with anybody I may have named on a written cheque or internet banking. As a result of the 'phone call to query this, I failed security because I was not in front of a computer at the time to verify their answers. So my debit card was cancelled because I queried VbV questions. Therefore, anybody else that now rings me and asks me security questions, I won't answer in case I get it wrong, because I don't know who they are, and they won't confirm who they are. The other 'grumpy' thing is that the questions are impertinent. I will tell you my day and month of birth if you ask. I won't tell you the year. They say they can't because it's not 'on their list'. You don't ask someone how old they are: that's rude.