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

UsetheFORCE

UpAgainstABrickWall wrote: »

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.

Barclays Verified by Visa performs a search of your records at Equifax and asks you questions based on the records at Equifax.

I think you get referred to this when the transaction you are requesting is either high in value or irregular for your normal account activity...

Something like BARCLAYS BANK PLC-EMC COMPUTER S will appear in Table 2 on your Equifax Credit File

Wheres_My_Cashback

keyser666 wrote: »

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

You're a mug for believing this rubbish and the OP's a mug (T) for writing it. This ain't any newbie !

redpete

UpAgainstABrickWall wrote: »

45 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.

Fair question to ask and you should expect an answer.

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.

Reasonable to be annoyed at the insistence on getting the answer right first time. There are many issues with 'security' that lead to inconvenience for the customer and make precious little difference to real security.

So my debit card was cancelled because I queried VbV questions.

No, it's because you failed or refused to answer their security questions correctly.

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.

Ask them to give you a number to call them back, check that the number is a valid one for the bank, call them back and then answer the questions they ask.

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.

An odd attitude, it's not as though they know you as a person and will think anything of the fact that they can work out how old you are.

You don't ask someone how old they are: that's rude.

In a social situation this might be true, in this situation it's not rude at all.