Santander Poor Service

dr_adidas01

missile said:

Daliah said:

missile said:

More security teasers for those smarter than me:

• What date did you open your account?
• Do you have a loan? What is the monthly repayment? 

all of this is information on one of your CRA files, most likely Experian. So all you need to do is go into your Experian account and you have the ready answers.

Alternatively, just register your voice with Santander and you won't get asked any of these awkward questions.

Yeah right, I do not believe Experian would provide the date when I opened my Santander account etc. However, if you are correct, I must remember to register with Experian and log on before I phone my bank :-)

You don't need to check with experian the one with Credit Karma  will do this and you get a weekly update for free unlike Experian where its only free for 30 days.

All CRA's report when an account is opened, here's one from my Credit Karma just to prove it for you!!

Daliah

missile said:

Daliah said:

missile said:

More security teasers for those smarter than me:

• What date did you open your account?
• Do you have a loan? What is the monthly repayment? 

all of this is information on one of your CRA files, most likely Experian. So all you need to do is go into your Experian account and you have the ready answers.

Alternatively, just register your voice with Santander and you won't get asked any of these awkward questions.

Yeah right, I do not believe Experian would provide the date when I opened my Santander account etc. However, if you are correct, I must remember to register with Experian and log on before I phone my bank :-)

It's not a matter of believing but a matter of fact. CRAs do have the opening dates of accounts, and more.......I am surprised that you haven't already got [free] access to all your CRA files, and that therefore you don't seem to check them now and then. MSE have kindly provided info on how you can easily get access your CRA files for free. Your next objection will probably be that you don't need yet another set of login and passwords, but that can also be managed easily with a password manager. 

And as I said twice already, if you don't want to be asked those awkward Qs by Santander, simply register your voice with them.

RG2015

dr_adidas01 said:

missile said:

Daliah said:

missile said:

More security teasers for those smarter than me:

• What date did you open your account?
• Do you have a loan? What is the monthly repayment? 

all of this is information on one of your CRA files, most likely Experian. So all you need to do is go into your Experian account and you have the ready answers.

Alternatively, just register your voice with Santander and you won't get asked any of these awkward questions.

Yeah right, I do not believe Experian would provide the date when I opened my Santander account etc. However, if you are correct, I must remember to register with Experian and log on before I phone my bank :-)

You don't need to check with experian the one with Credit Karma  will do this and you get a weekly update for free unlike Experian where its only free for 30 days.

All CRA's report when an account is opened, here's one from my Credit Karma just to prove it for you!!

You can get your Experian credit report free from the MSE Credit Club. It updates every month although the account opening dates will always be available.

missile

• Yes, right oh! and where does it tell me what my loan repayment dates & monthly repayments are?
• I have no need or desire to check my credit score. 

You seem to have missed the point. that I was able to answer those security questions. I doubt many others would and/or register and log on before phoning their bank

missile

"And as I said twice already, if you don't want to be asked those awkward Qs by Santander, simply register your voice with them."

FYI: Read my previous posts :-)

Robin9

The answers do not have to be precise .  I could answer the questions off the top of my head -   to the nearest thousand, standing order today to my council of approx £xxx. etc

Daliah

missile said:

• I have no need or desire to check my credit score. 

Looking at your credit files is about far more than checking the largely meaningless credit score. Go on, give yourself a nudge and have a look at all three. It is your right to know what data is recorded about you, and which can be shared with a number of companies, not only banks. Knowledge is power, as they say.

missile

Robin9 said:

The answers do not have to be precise .  I could answer the questions off the top of my head -   to the nearest thousand, standing order today to my council of approx £xxx. etc

Really? I will have to take your word for that. When I was unable to confirm last two transactions, I was told I had failed security and she disconnected the call.

As I commented earlier: Had a hacker obtained all my personal information, sort code, account number, unique customer number, passwords, cloned my PC and IP address to commit fraud, then stolen my mobile to phone Santander he/she would also know the answers to those questions.

landsberger64

25 minutes waiting time to speak to them yesterday on a premium rate number. Thankfully a UK based call centre in Belfast, but it was to change the phone number that OTPs are being sent to, and I had already done this twice in app, in numerous locations and it "hadn't taken". They could even see I'd tried and that the number had then reverted. I am not altogether confident it will not happen again. Santander certainly gives me the impression that they have a wide variety of bits of kit that are held together with gaffa tape and good will. 

missile

Daliah said:

missile said:

• I have no need or desire to check my credit score. 

Looking at your credit files is about far more than checking the largely meaningless credit score. Go on, give yourself a nudge and have a look at all three. It is your right to know what data is recorded about you, and which can be shared with a number of companies, not only banks. Knowledge is power, as they say.

It is frightening to think how much data is collected and then used to bombard us with spam, malware and worse.

I try to limit how many of these sites I register with. Who knows what Experian, Credit Karma, Google, Facebook, Microsoft and even MSE does with the data you provide on registration?