Virgin Money Current Account

Aidanmc

topcat105 said:

Aidanmc said:

Regarding the VM app, can i uninstall it and return to regular online banking? Or is it a case of no return!

I have just uninstalled my partner's app as he now has his wine voucher. (Switch completed 15th Dec)
However when I try to login to his internet banking it is still asking me to confirm login via the app.
I needed to install the app for myself as my switch is due to complete next Tuesday and we only have one smartphone between us !
This means that I will have to keep uninstalling and installing depending on who wants to login.

Yeah, sorta thought that might be the case! I'm also using another family member's phone for the app.

Ken68

What's with all this app business, do people really operate their accounts via mobile and on the move. ?  No way could I read such small print and be confident of not making a mistake. Am I missing something?.

BigBlueSky

Ken68 said:

What's with all this app business, do people really operate their accounts via mobile and on the move. ?  No way could I read such small print and be confident of not making a mistake. Am I missing something?.

No, not at all.  I check my main bank account occasionally using the app but anything more than that I login on my computer.

gwapenut

Ken68 said:

What's with all this app business, do people really operate their accounts via mobile and on the move. ?  No way could I read such small print and be confident of not making a mistake. Am I missing something?.

I avoided phone apps for years on grounds of security, but more recently I feel it's riskier in terms of computer viruses to keep logging on via my PC to check balances, transactions going through etc than just a quick peek with my phone. I use "Island" to make my banking apps appear uninstalled whenever I've finished, so that any phone malware is not aware of their existence unless they're actively used. And I feel I'm less likely to pick up phone malware than PC malware.

colsten

Ken68 said:

What's with all this app business, do people really operate their accounts via mobile and on the move. ?  No way could I read such small print and be confident of not making a mistake. Am I missing something?.

Not too long ago - may be 2 years? - I was very reticent about banking apps. 

Now I am doing most of my banking through apps. The only time I use online is when there is something I can't do in the app, which sadly some banks still insist on doing (Santander and Virgin, I am looking at you!)

I am closer to 90 than to 40 now, so it's not youthful innocence that makes me prefer the apps. Of course, you could argue I have lost, or am losing, my mind - if so, have a go at me ;-)

Ken68

Thanks Colsten, will stick to the PC I think and move on if "App Only"
 comes about.

topcat105

I've just tried to empty my accounts as I don't plan to use them. 
I had to ring to verify and have been on the phone for nearly an hour.
The customer services rep kept saying I have to authorise on the app. The live chat on the app said to ring the fraud team.
Now it will (hopefully) go in the morning.
What a pain.

Brewer20

topcat105 said:

I've just tried to empty my accounts as I don't plan to use them. 
I had to ring to verify and have been on the phone for nearly an hour.
The customer services rep kept saying I have to authorise on the app. The live chat on the app said to ring the fraud team.
Now it will (hopefully) go in the morning.
What a pain.

If you've only just set up the payee (yourself)  to go to another account that's probably why it's in limbo or blocked. They are protecting your money against fraud. I had this with Lloyds and earlier this year First Direct. Lloyds were a right pain, the guy on the phone took some convincing it was me, then I still had to ring again, that time a female and she immediately released my account. So I reckon it was a double double check, thinking if I'm really a con artist would I really have the bare face to ring s second time.😵

topcat105

Brewer20 said:

If you've only just set up the payee (yourself)  to go to another account that's probably why it's in limbo or blocked. They are protecting your money against fraud. I had this with Lloyds and earlier this year First Direct. Lloyds were a right pain, the guy on the phone took some convincing it was me, then I still had to ring again, that time a female and she immediately released my account. So I reckon it was a double double check, thinking if I'm really a con artist would I really have the bare face to ring s second time.😵

Hi. Yes I realise they are protecting me against fraud but nobody seemed to know the procedure.
I got told 3 different things on live chat.
First to authorise via the "be secure" tab on the app, then when that didn't work to reinstall the app, then finally the 3rd person told me to ring customer services and ask for the fraud department.
I rang the number they gave me and the lady insisted it could be done on the app, I finally convinced her it couldn't and she put me through to the fraud team who took some details of the payments and promised me it would clear this morning - it hasn't.
The payee was set up last week and a small payment sent so I was hoping it would go through without all this hassle.

colsten

topcat105 said:

Brewer20 said:

If you've only just set up the payee (yourself)  to go to another account that's probably why it's in limbo or blocked. They are protecting your money against fraud. I had this with Lloyds and earlier this year First Direct. Lloyds were a right pain, the guy on the phone took some convincing it was me, then I still had to ring again, that time a female and she immediately released my account. So I reckon it was a double double check, thinking if I'm really a con artist would I really have the bare face to ring s second time.😵

Hi. Yes I realise they are protecting me against fraud but nobody seemed to know the procedure.
I got told 3 different things on live chat.
First to authorise via the "be secure" tab on the app, then when that didn't work to reinstall the app, then finally the 3rd person told me to ring customer services and ask for the fraud department.
I rang the number they gave me and the lady insisted it could be done on the app, I finally convinced her it couldn't and she put me through to the fraud team who took some details of the payments and promised me it would clear this morning - it hasn't.
The payee was set up last week and a small payment sent so I was hoping it would go through without all this hassle.

I made a similar experience with my first withdrawal from a VM current account to a current account in my name at another bank. I was given the runaround and false promises. They released the money after a few days. I then put a formal complaint in, eventually got an apology and £30. 

This was back in July but it seems they are still following their pathetic 'processes'. I would raise a formal complaint if I were you.