Credit card refused online

happyveg

I recently tried to pay for my car breakdown insurance with my credit card and was refused. This is because I do not have a mobile phone and so the card company was unable to send me a text with a verification number on it.
I am VERY careful with my money online but I feel this is going a step too far.
Why should I have to have a mobile phone to purchase stuff online. What will it be next No withdrawing cash from a machine without a text to your mobile?
I feel that people without these phones are being discriminated against. I have heard from my bank that MANY other people have been complaining about this.

[Deleted User]

Get a cheap PAYG phone.

Honestly...

TheShape

'I feel that people without these phones are being discriminated against.'

You might be being discriminated against but discrimination isn't illegal.

MisterBaxter

TheShape wrote: »

'I feel that people without these phones are being discriminated against.'

You might be being discriminated against but discrimination isn't illegal.

As this sort of thing is more likely to affect older people it could be argued to be a form of indirect age discrimination which may be illegal; people with certain disabilities may also be more adversely affected which again may be a form of indirect discrimination and therefore illegal.

With that said I'm assuming that the people behind these changes have done a full impact assessment and are completely satisfied that it is compliant with the Equalities Act and that it won't be challenged by any of the spcial interest groups represent such people.

K80_Black

My bank has an option to ring your land-line too. Look for a bank offering this, and switch.

T-G-C

Unless you have a protected characteristic which falls under the relevant legislation, I am afraid that the bank are not compelled to accommodate alternative arrangements for their security verification process.

In this era, it is an expectation that customers will have access to a mobile telephone. This is a direct and secure method of verification for online transactions.

You can obtain a free SIM from one of the leading mobile operators, in addition to a basic handset for less than £20.

If you refuse to conform to this expectation, then I am afraid you will be at a loss. With even stricter regulations coming into force soon, mobile phone verification will be even more prevalent.

System

MisterBaxter wrote: »

As this sort of thing is more likely to affect older people it could be argued to be a form of indirect age discrimination which may be illegal

Try getting a 35 year mortgage when your 80 years old then.

MisterBaxter

beany_bot wrote: »

Try getting a 35 year mortgage when your 80 years old then.

Not really the same thing though is it; there are strong justifiable reasons for not giving an 80-year-old a 35 mortgage whereas there are other mechanisms that could be used for verification that don't limit or exclude access which is why such limitations could be seen as indirect discrimination, it's a matter of reasonable adjustment to accommodate as wide a possible audience.