The Top Easy Access Savings Discussion Area

PixelPound

phillw said:

nic_c said:
If it was something like £100 held up, you could answer, politely:

"What's the amount?"

Well, if you don't know, then how do I know I'm talking to my real bank?

"Why are you making the transfer?"

Because the savings rates you have are insulting. Do you not know what the BoE base rate is? Have you not read what the FCA have said about unfairly low savings rates.

"Is anyone making you do this?"

Yes, you. You, the bank, are making me call up and go through a set of ridiculous questions just because I want to move my money to somewhere the savings rate isn't an insult.

If I were a customer service agent on the receiving end of this, you'd get parked in the "do not help" pile.

I take it in my stride & try to remain light hearted. I'm already inconvenienced, upsetting myself over something so trivial would be pointless.

Did say politely. No point ranting.

Tbh, if a bank was still flagging a payment I'd done several times before, I'd switch out.

Don't mind if it is new payee or unusual amount, but £100 to my own account I'd done several times already. 

phillw

Wheres_My_Cashback said:
The UK Government is just starting to take long overdue action against the banks who operate like cartels at times.

They are sticking up for Farage because they are scared he is going to stand against them. That isn't quite the same thing.

I send money between lots of accounts, I never get trouble until I move money into an account, setup a payee, send it to the new account.

S_uk

crumpet_man said:

I presume they are checking the accent matches the nationality/region of the caller.

Why would it be a problem if someone's accent didn't 'match' their nationality?

schiff

My Newcastle BRT is still showing 4.30%!

mebu60

schiff said:

My Newcastle BRT is still showing 4.30%!

They have until the 10th to increase the rate to 4.55%.

Bridlington1

S_uk said:

crumpet_man said:

I presume they are checking the accent matches the nationality/region of the caller.

Why would it be a problem if someone's accent didn't 'match' their nationality?

Whilst I'm no expert in Halifax's fraud prevention measures, I would imagine they're not just comparing my accent to the typical accent of my local area. Amongst other things they also know where I was born and may have known what sort of accent I have/how I typically speak from my previous interactions with them in branch. I have opened accounts with them in branch in the past and seem to recall that at least one of the appointments was recorded. Because of this Halifax will most likely know which accent I have.

If Halifax had blocked a payment and then someone had rung them with a different accent claiming to be me and tried to get the payment released I would expect them to become rather suspicious since this would be a pretty clear indication that they were not speaking to me at all, but instead someone pretending to be me, and that my account may well have been compromised.

phillw

S_uk said:
Why would it be a problem if someone's accent didn't 'match' their nationality?

Most peoples accent will match where they were born.

"Age = reasonable, gender and accent good"

Is obvious what it means.

subjecttocontract

What do the t & c's say about timing of the interest rate rises. 

I have some Family B/Soc bonds which track BOE base rates but the increases, I believe, take effect on the 1st of the following month, so 1st September in my case.

phillw

nic_c said:
Did say politely. No point ranting.

 

Yet the things you suggested saying, were not polite.

Well, if you don't know, then how do I know I'm talking to my real bank?

Presumably you phoned them and they are trying to protect against you sending 50.00 but some software on your PC hasn't changed it to 5000.00 with a different recipient. You come across as being difficult, faced with your question my answer would be "I'm sorry, if you don't feel comfortable to continue this conversation then please hang up". They may be more polite to your face, but you will have lost their desire to help you.

Making a complaint is a sales task.

Because the savings rates you have are insulting. Do you not know what the BoE base rate is? Have you not read what the FCA have said about unfairly low savings rates.

It's nothing to do with the person you are speaking to, the honest and polite answer is "I'm transferring to an account with a higher rate."


Yes, you. You, the bank, are making me call up and go through a set of ridiculous questions just because I want to move my money to somewhere the savings rate isn't an insult.

You aren't even answering the question they asked, the correct answer is "Nobody has asked me to make this transaction"

masonic

S_uk said:

crumpet_man said:

I presume they are checking the accent matches the nationality/region of the caller.

Why would it be a problem if someone's accent didn't 'match' their nationality?

This would indicate a record of Bridlington1's voice print had not been stored by the bank, so any such analysis would be based on the adviser's assessment of voice vs subjective records. Ideally there would be data to objectively match against the caller, but this isn't always possible. It is worth remembering that physical characteristics of an individual are lawfully allowed to be used to identify them. If the only records held by the bank were that the customer was British, then it would be acceptable to consider that such an accent was consistent with the customer's profile and could be counted in the favour of a caller when profiling them.