Lloyd's Club Account and contactless cards

reclusive46

Vortigern wrote: »

Not quite right. When you get a new contactless card, you have to make at least one normal chip and pin transaction before the contactless feature becomes active. You do not have to attempt a contactless transaction to activate the contactless feature.

I have never been asked for a pin when making contactless purchases.

UK cards can't even do pin contactless transactions unlike most other contactless cards in other countries as they don't support PIN checked by the bank (UK banks only support pin checked against the card which isn't supported by contactless)

brownb2

Oooh where should I start?

• When you receive foreign swift payments the rate they give you on the statement is NOT the rate they've used. I complained, received a tough !!!! response, because its too much effort for them to fix. Most people just assume it's correct and yes this fraud at worst, negligence at best.
• This issue, that you can supposedly opt out, is a PR exercise up to now to look good, I complained, told no opt out (so why bring the feature in yet?)
• Paper statements I've received show I've not gone over a overdraft are different to those online, which I got slapped with a fee for, same day wrong transaction order issue. Complained, got refunded.
• Removal of features with little or no notice, not providing standard features (giro cheque paying in stopped, accounts that always paid interest stopped via T&C changes, unable to break notes in branches - had to go to a competitor for this).
• New customer current account opening offer of £100 (which they did a year or so ago) clearly not available for existing customers despite mantra they treat loyal customers the same. So I offered to close my accounts to get this money, still refused.
• Weekend branch opening hours actually incorrect, not good when you only have one opportunity to pay in a cheque and you find they won't let you in branch because it's too close to closing time, yet they then advise travelling 20 miles away to an open branch rather than paying in at wall (I wasn't aware of said feature, left me out of pocket). Complained about bad advice, no refund of public transport costs I was out of pocket.
• Supposed flexclusive offers are just paid for advertising promos that look genuine, those worth any actual value on click through have limited numbers and are unavailable despite being advertised.
• Attempting to get me on a new mortgage via numerous mailshots as my existing one approached the default mortgage rate period, all new mortgages had higher interest rates and would have cost me more, this is bad advice by them.

I can go on with the deceit but these are my top few. Most definitely not on your side.

Sadly I know most banks aren't any better, e.g. trying to open an account with Santander is like getting blood out of a stone, they lost our family's confidential signed for proof of identity, bungled looking into it numerous times, silently dropped complaint when proof of receipt had shown they were at fault, contact with them said I needed a customer number (which we wouldn't have)/couldn't find complaint despite numerous calls and emails (they lost investment of a substantial 30% house deposit because of this).

solentsusie wrote: »

In what other way has Nationwide deceived you?

ceredigion

^^^
IT might be a good idea to go and sit in a darkened room and count to ten

brownb2

The frustration is not with solentsusie just that banks lie, interest used to be above inflation, now I'm having to manage my money to keep it that way, and contactless cards are for me a pointless exercise that just increases my own work should things going wrong. If you've been subject to fraud you know you have to spend time calling the bank, usually from a mobile to a non free phone number, sign a letter and post it confirming the statement, and depending upon events even contacting police for a crime number). I do not want the hassle of this, as you can tell, banks wind me up enough already...

ceredigion wrote: »

^^^
IT might be a good idea to go and sit in a darkened room and count to ten

jonesMUFCforever

brownb2 wrote: »

The frustration is not with solentsusie just that banks lie, interest used to be above inflation, now I'm having to manage my money to keep it that way, and contactless cards are for me a pointless exercise that just increases my own work should things going wrong. If you've been subject to fraud you know you have to spend time calling the bank, usually from a mobile to a non free phone number, sign a letter and post it confirming the statement, and depending upon events even contacting police for a crime number). I do not want the hassle of this, as you can tell, banks wind me up enough already...

Most banks will refund you same day whilst investigations about the fraud take place.
Fraud happens a lot more through internet/normal card transactions than with contactless cards.

savings_my_hobby

Spidernick wrote: »

The issue is security, it's hardly rocket science! If you lose your card and don't notice for a few hours then it is relatively easy for someone to spend a lot of money in small transactions in that time, and I bet the card holder will not be covered in that instance.

I didn't realise you have to opt OUT of contactless, or that it might not even be possible to do so. That is worrying to say the least!

I thought you had to enable the contactless feature??? - i could be wrong

dr_adidas01

savings_my_hobby wrote: »

I thought you had to enable the contactless feature??? - i could be wrong

Depends on the Bank and what method they use, some come automatically activated others don't.

Most of my contactless cards required that I made a normal chip and pin transaction before the contactless feature was activated.

bonjan

http://www.lloydsbank.com/current-accounts/debit-card/contactless.asp?srnum=1

"Although a contactless payment doesn’t usually require a PIN to be entered, occasionally you may be asked to enter your PIN when making a contactless payment"

"If your card is lost or stolen, you’re protected against fraud loss – providing you take the kind of precautions we recommend and let us know as soon as you realise it’s gone."