Banks ringing you and wanting to ask security questions

matty17r

Just a little something that annoys me about banks and was recently discussed on Paul Lewis' radio 4 show. I have recently had Halifax and Yorkshire Banks ringing me asking me to answer security questions when I have opened up current accounts. I have told them I do not like this as I have no proof that they are who they say they are! In both cases I have told them I will ring them back. I am certainly not giving out my personal details to banks who ring me. I hope this message get through to them when they say they are recording call for quality and training purposes!

stclair

matty17r wrote: »

Just a little something that annoys me about banks and was recently discussed on Paul Lewis' radio 4 show. I have recently had Halifax and Yorkshire Banks ringing me asking me to answer security questions when I have opened up current accounts. I have told them I do not like this as I have no proof that they are who they say they are! In both cases I have told them I will ring them back. I am certainly not giving out my personal details to banks who ring me. I hope this message get through to them when they say they are recording call for quality and training purposes!

You could simply opt out of such marketing calls by contacting the bank.

shaneshaneshane

If I was cold called by a bank I would expect and ask them to prove who they are to me.. and I would still refuse to give them my details.

Ageing_Disgracefully

matty17r wrote: »

I have told them I do not like this as I have no proof that they are who they say they are! In both cases I have told them I will ring them back.

Just tell them to write to you with their query.


You can say that if it is something urgent you will call into your branch to discuss this - but will expect compensation for the waste of your time if it turns out that they merely want to sell you something.


It will almost always turn out to be non-urgent.

colsten

Unless I am expecting a call from a bank, I always ask them to proof to me that they are who they claim they are, and to provide me with a freefone number to return their call on. If they are not able to do so, I ask them to write to me.

Be very careful with calling them back. As it is a very common trick by the caller no to hang up and to answer the call you make pretending they are the bank.

Call somebody else first, wait at least 5 minutes, or use a different phone, so you can be sure you don't call a fraudster. Worth remembering that in 99.9% of all cases, the call is for some Marketing reasons so it is anything but urgent.

Bravestar

matty17r wrote: »

Just a little something that annoys me about banks and was recently discussed on Paul Lewis' radio 4 show. I have recently had Halifax and Yorkshire Banks ringing me asking me to answer security questions when I have opened up current accounts. I have told them I do not like this as I have no proof that they are who they say they are! In both cases I have told them I will ring them back. I am certainly not giving out my personal details to banks who ring me. I hope this message get through to them when they say they are recording call for quality and training purposes!

I had such a call yesterday

I don't think it was amarketing call going by what was said, but I am not divulging personal information to any tom, !!!!!! or harry (or in this case more likely mohammed ) until they can prove to me who they are.

They said they assured me they were from the bank.

So I said I assured them I was who they wanted to speak to.

Apparently I was expected to acceot their assurance, but they would not accept mine.

I wished them good-day and terminated the call.

If it's important, they'll write ... or contact me via online online bank messaging, etc.

meer53

I work for a bank. I call people (not marketing calls) i'm quite happy for people to ask me a few security questions if they aren't happy to answer mine.

FireWyrm

meer53 wrote: »

I work for a bank. I call people (not marketing calls) i'm quite happy for people to ask me a few security questions if they aren't happy to answer mine.

What security questions do you suggest?

I'm absolutely with the OP on this one. The banks complain and weasel out of paying back stolen money when we are caught by vishing scams, but are quite happy to call customers and demand potentially sensitive information from them in order to go through a stupid marketing call we didnt want in the first place. Make your mind up, you cant have it both ways. Either banks never call customers and never ask for sensitive information, or they do sometimes, but sometimes, they have to pay out for people who get caught by a scam that claims to be a call from the bank!

Armorica

Banks have to 'know their customers' - if you have opened accounts online then it's not unreasonable to want to speak to you / have follow up questions.

You can always insist on calling back through a published number.

If they don't call you, how are you meant to know they'd like to speak to you??

FireWyrm

Armorica wrote: »

Banks have to 'know their customers' - if you have opened accounts online then it's not unreasonable to want to speak to you / have follow up questions.

Yes...yes it is. Banks provide a service for their customer...you. It doesnt mean you enter into a meaningful relationship with them or want to chew the fat whenever they decide to call you for a chat.

Armorica wrote: »

You can always insist on calling back through a published number.

And why should we incur call charges to call them back just to have some marketing spiel for something we probably didnt want, shoved down our throats?

Armorica wrote: »

If they don't call you, how are you meant to know they'd like to speak to you??

I dont give a damn if 'they' would like to speak to me...I'll speak to them when I have something to say.

I repeat, they cant have it both ways. It is far too easy to get sucked into a vishing scam and the scam is only possible simply because people have been trained to answer nonsensical security questions (give out sensitive information to some strange voice on the phone) for any and all purposes dreamed up by the bank up to and including trying to sell you stuff.

pmduk

stclair wrote: »

You could simply opt out of such marketing calls by contacting the bank.

If only it were just marketing calls when banks ask you to do this. RBS fraud department asked me to do exact this last Monday and seemed surprised when I wouldn't answer their questions.