Bank forcing vulnerable person to break shielding

[Deleted User]

@LilElvis yes I know, I'm asking him to connect with my son, it's just I had the opportunity to make a connection and obtain his direct number, my son didn't. The only reason I'm here and not him is because he already lost too much work time being hung up on repeatedly 

phillw

Heathertanit said:

@phillw they recorded the conversations also so no they did not say anything untoward, this happened 4 or 5 times, the last was a manager they had requested to speak to 

Manager is a meaningless title that gets thrown around a lot. Either a manager is unavailable or they'll put you through to someone who says they are a manager.
The important thing is to stay polite but not give up.

phillw

Heathertanit said:

Anyway I've just connected with their chief compliance officer so hopefully he has a little imagination 

It would seem strange to me if the compliance officer would do anything for you in regard to someone elses account, that doesn't sound very compliant. But good luck and let us know how it goes.

[Deleted User]

@phillw I'm not asking him to do it for me I'm asking him to connect directly with my son and the question is generalised anyway initially, is another method possible 

jjames1985

Heathertanit said:

@phillw I'm not asking him to do it for me I'm asking him to connect directly with my son and the question is generalised anyway initially, is another method possible 

He's not going to do that.  At best he'll pass it back to customer services and you'lll get a call from someone claiming to be a manager who more than likely will tell your son he needs to go into the branch.  So he should probably just do that.

GDB2222

Thrugelmir said:

Making a couple of payments doesn't constitute fraudelent activity. More to the tale?

The Coop bank has a particularly sensitive system that wastes quite a lot of my time ringing up to unblock the account. It doesn’t seem to take more than one transaction!

[Deleted User]

Heathertanit said:

@phillw they recorded the conversations also so no they did not say anything untoward, this happened 4 or 5 times, the last was a manager they had requested to speak to 

They recorded the conversation? Did they inform the other party (and multiple parties if the call was transferred) of this, otherwise it is illegal to record telephone conversations. 

elsien

It's not illegal to record a telephone conversation.
The limitations come in with what you do with it afterwards if it has been done without consent. 

[Deleted User]

Heathertanit said:

Anyway I've just connected with their chief compliance officer so hopefully he has a little imagination 

I very much doubt it, first because it would be almost impossible to get hold of Colin Bell's real email, second because his emails will be filtered and monitored and third because he will not concern himself with individual cases like this, he has many teams, with many layers of management and a whole department to do these things for him. Plus he will have far more important things to do that deal with someone who is emailing about someone else, saying that the bank need to change their entire fraud policy because someone is too paranoid to go to a branch. 

badmemory

gt94sss2 said:

You do realise any bank would do exactly the same as HSBC?
As others have said, their request is reasonable given that the account holder is not the one instructed to shield.

Actually that is not strictly true.  HSBC have a reputation in this area.  Mostly caused by the large fines they have had to pay in the past & their attempt at avoiding more.   How many banks do you know who would object to a large payment from A Badmemory to B Badmemory.  Mine certainly didn't object to a £20k transfer to C notBadmemory although there had been smaller earlier payments.