Lloyds TSB internet banking stupid questions

dr_adidas01

Somerset wrote: »

It's not reasonable, that's the point. If you can't access the account, you wouldn't know what transactions happened/£/when.

So you can't access the account by popping into a branch and ask for a printed statement. Or you cant pop into a branch to do your banking?

So in reality you can access the account via other means? Its just that you don't want to?

Hanky_Panky

FireWyrm wrote: »

I agree. Co-OP is currently annoying me since their online login requires you to remember information like a memorable date, the last school you went to etc and they dont even give you a choice of the questions. You have to give answers to the 5 that they have designated! Thankfully, it's a simple savings account with no outgoing DDs or other more important demands on it, but still, the hoops you have to jump through. I really hate this current trend for using 'personal and life' data as pass keys since I really have trouble remembering exactly what answers I gave. For instance, did I say I went to TMA Middle or Two Mile Ash Middle School, or did I type Denbigh or Denbigh Secondary etc.

As for the DPA - what a farce. Most operators dont understand it, apply no common sense what so ever to the questions and stick ridgidly to a script with no possibility of deviation. For instance, how many fraudsters are going to be attempting to pay money into an account that is in debt?

Worse yet just how many questions are reasonable when I just want to ask a generic question. I have to spend 20 minutes working my way through the phone system, another 5 answering every question put to me and THEN I get to ask whether the proof of no-claims discount I just got from my car insurer will be sufficient for the new insurers purposes.

Hello fellow MK person:j

dr_adidas01

noh wrote: »

What sort of account is this with Lloyds?
I don't need any security "dongle" or card reader to log on to internet banking for my personal accounts with Lloyds.

Some business accounts need a reader to log into them, there the only account I can see that need/use these devices.

ChiefGrasscutter

Business accounts with Lloyds have a dongle

noh

Almost certainly the PIN on the card has been locked and all the OP has to do is go to a Lloyds ATM and unlock the PIN assuming he knows it.
Then just use the card in any other working card reader.

http://www.lloydstsbbusiness.com/internetbanking/cardreader.asp

Q: If I get my PIN wrong will it block my card?
Yes, if you get your PIN wrong three times the card reader will show ‘PIN Locked’ and you won’t be able to use your card. If you know your PIN you can unlock your card at any Lloyds TSB Cashpoint® machine in the UK, or you will need to call us on 0845 072 5555 to order a new PIN.

p00hsticks

grumbler wrote: »

You definitely have never had any experience of passing such interrogation. They don't take any 'if' and 'or' for the answer.

Admittedly not with Lloyds TSB, but I've certainly passed several others with different financial institutions in this way.

p00hsticks

FireWyrm wrote: »

I really hate this current trend for using 'personal and life' data as pass keys since I really have trouble remembering exactly what answers I gave. For instance, did I say I went to TMA Middle or Two Mile Ash Middle School, or did I type Denbigh or Denbigh Secondary etc.

I think one point to bear in mind with these types of questions is that you don't have to (and for security reasons probably shouldn't) give true answers in response to these questions. They don't validate that they're actually true - just put something easy to remember. So say you went to St Trinians, have a dog called Spot and your mothers maiden name is Hitler :-)

Somerset

dr_adidas01 wrote: »

So you can't access the account by popping into a branch and ask for a printed statement. Or you cant pop into a branch to do your banking?

So in reality you can access the account via other means? Its just that you don't want to?

It's an internet account - the OP foolishly thought he could use it online. If he'd wanted a 'pop into the branch account' he'd have opened one of those instead.

FireWyrm

p00hsticks wrote: »

I think one point to bear in mind with these types of questions is that you don't have to (and for security reasons probably shouldn't) give true answers in response to these questions. They don't validate that they're actually true - just put something easy to remember. So say you went to St Trinians, have a dog called Spot and your mothers maiden name is Hitler :-)

Yes, I tried that once. It caused even more confusion when I couldnt remember what the 'wrong' answers were either. Adding to the fun, I was then locked out of an account and trying to explain to a robot why I had given incorrect information and therefore couldnt remember it wasnt working all that well.

plusmore

I live in a rural area and work from home, had to wait until the wife wasn't at work so she could login to our joint account (she uses a memorable word not the dongle thingy that I have used for years since they issued them to personal account customers on a trial basis). She could login and see the transactions and yes, the person on the other end asked what transaction had gone in that day to validate me - it was a payment that had come in early so I wouldn't have guessed who it was from. Different people pay me for stuff by direct transfer and email at some point to say the money is in my account.

They reset the device, I tried again and it failed once more with a gibberish error - this time the guy on the end could see it was because the system thought I had entered the wrong security number. A bit more investigation revealed that the serial number for the device they had in their system wasn't the one of the device I had been sent! That means someone, somewhere had mine and also won't be able to access their account.

Told them to forget about the technology and went back to using a memorable word which should mean no more troubles.