BBC Watchdod: Banks freezing out innocent customers and blacklisting them

Sensory

innovate wrote: »

I wasn't talking about online banking, but about proxies. I don't know the technical ins and outs but understand that some proxies are sending even traffic from https pages in unencrypted form.

Proxies don't/can't decrypt encrypted data (unless a user mindlessly clicks through certificate warnings). Some encrypt the data, but that just means the data is encrypted twice.

JuicyJesus

Sensory wrote: »

Proxies don't/can't decrypt encrypted data (unless a user mindlessly clicks through certificate warnings). Some encrypt the data, but that just means the data is encrypted twice.

Regardless, call me superstitious (and I'm hardly a non-technical sort) but I would rather not have my Internet banking routed through a bunch of computers owned by anonymous Internet people who I have no control over. I simply do not trust Tor enough for that.

innovate

JuicyJesus wrote: »

Regardless, call me superstitious (and I'm hardly a non-technical sort) but I would rather not have my Internet banking routed through a bunch of computers owned by anonymous Internet people who I have no control over. I simply do not trust Tor enough for that.

I am 100% with you on that. It's not only that you or I or any of the individual users have no control over the bunch of computers owned by anonymous Internet people - - - it's more that nobody has any control over them. So who would you / anybody hold responsible if your money was stolen? Answer: nobody [other than yourself]. Your money is gone, and it won't ever come back.

Many people signing up to Tor or similar probably have no idea what they are letting themselves in for. They instantly fall for the "it's all private" argument, without realising that they most likely have a lot less privacy than what they had before. Nobody can trace what music they downloaded and what !!!!!! they watched, but equally nobody can trace who hacked their email and their bank accounts.

It probably needs some major "omg, my bank accounts have been emptied" threads before people actually believe that cloaking their internet banking access was a terrible idea. Though as I said before, some banks may well have blocked access through unregistered VPNs and through all proxies already.

pqrdef

innovate wrote: »

So who would you / anybody hold responsible if your money was stolen?

They'd be stealing the bank's money, not mine.

Anyway, if the bad guy wants to be untraceable, it's him who needs to be using the proxy, not me, and if he does, I can't stop him. Whether I use one is neither here nor there.

innovate

pqrdef wrote: »

They'd be stealing the bank's money, not mine.

May be that would explain why banks don't allow access from untraceable IP addresses then

pqrdef wrote: »

Anyway, if the bad guy wants to be untraceable, it's him who needs to be using the proxy, not me, and if he does, I can't stop him. Whether I use one is neither here nor there.

Huh? How can anyone explain/prove it wasn't they themselves, but "the bad guy", that used the proxy???

I think it's becoming quite obvious why the use of proxies is not in the interest of any honest person. If anyone does know of banks that can be accessed through proxies, please can they post them here so people can decide whether they want to continue using these banks.

The_pc_tech

and I'd predict any such post would be taken down at speed for fear of the legal backlash as these banks would eat the site owners for breakfast.

pompeyred

This is a great post with good healthy debate. Given the strength of this forum and what it stands for shouldn't this be raised as an epetition.

I am sure this community can drum up enough support to have the matter discussed in a forum where it can bring about change.

martinontyne

My wife and I have received letters from Halifax and LLoyds informing us that after a review of our accounts then they will be closing them. We have been with the Halifax for over 30 year with no arrears or problems yet they have decided to close with no explanation other than saying thay have done a review. Has anyone else experienced this and can a Freedom of Information letter to the bank help explain why this is being done ?

opinions4u

martinontyne wrote: »

My wife and I have received letters from Halifax and LLoyds informing us that after a review of our accounts then they will be closing them. We have been with the Halifax for over 30 year with no arrears or problems yet they have decided to close with no explanation other than saying thay have done a review. Has anyone else experienced this and can a Freedom of Information letter to the bank help explain why this is being done ?

The Freedom of Information Act doesn't cover banks.

You can make a DPA request, paying the £10 fee needed. That may or may not help you get a reason.

Probably better to make an official complaint though.

Could you hazard a guess at the reasons?

martinontyne

HI, Have wrote a letter of complaint today, also, could you let me know what a DPA request is please ? Can't think of any reason why the letter was sent as we are always in credit with no defaults.