yougov.finance bribe

masonic

OceanSound said:

masonic said:

If it were payouts, then it would be impossible to earn more than two in a three month period. So one reward must equal the credit of 500 or 100 points for an account. This would explain why mine went from 9 to 0 when I reconsented 9 accounts. I just can't explain why I started at 9 when I originally added about 12 accounts (I've not yet reached 5000 points to be able to cash out anything).

if all the 9 re-consented accounts are current accounts (makes sense to have current accounts  they are worth more points than savings accounts) then you only need two of those to reach 5000 points and cash in on the £50 ? 

I originally added 7 current accounts, 1 credit card and 4 savings accounts. I got 6 x 500 points and 3 x 100 points. I'm pretty sure two recently opened current accounts were the ones that didn't qualify, and one of the savings accounts had no activity so no surprises that didn't qualify.

Some time ago I deleted 2 savings accounts to bring me down to 10 accounts.

Today I couldn't reconsent anything until I deleted an account to take me to 9 accounts. When I reconsented them, annoyingly the deleted (savings) account reappeared, and one current account failed to reconsent, so I now have 6 current accounts, 1 credit card and 2 savings accounts (= 9 accounts), with 1 current account I am not able to add until I get more 'rewards to redeem'. I'm already just 170 points away from the cashing out £50 as I've been earning through surveys. I expect to receive 3700 points in the next few days. Hopefully another 500 when I can add my last current account.

VXman

masonic said:

When they introduced the 10 account and 10 reward limit, they didn't set the 'rewards to redeem' figure accurately based on what had already been claimed in the prior 90 days. I started out with 9 to redeem, even though I'd been paid over 4000 points just a few weeks earlier and added nothing thereafter. Having reconsented most of my accounts today, I'm down to 0 to redeem and cannot add a 10th account. I'll be watching keenly what happens with my points and rewards to redeem over the coming week. Hopefully I will not have to wait until the 3 month anniversary of the 10 account restrictions to add my 10th account.

   Ah - there is a 10 account limit? I wasn't aware of that. Is this why I cannot !!!!!! anymore accounts. I remember reading about people adding 30 odd accounts. Was it changed? When?

dingling68

VXman said:

masonic said:

When they introduced the 10 account and 10 reward limit, they didn't set the 'rewards to redeem' figure accurately based on what had already been claimed in the prior 90 days. I started out with 9 to redeem, even though I'd been paid over 4000 points just a few weeks earlier and added nothing thereafter. Having reconsented most of my accounts today, I'm down to 0 to redeem and cannot add a 10th account. I'll be watching keenly what happens with my points and rewards to redeem over the coming week. Hopefully I will not have to wait until the 3 month anniversary of the 10 account restrictions to add my 10th account.

   Ah - there is a 10 account limit? I wasn't aware of that. Is this why I cannot !!!!!! anymore accounts. I remember reading about people adding 30 odd accounts. Was it changed? When?

I received an email on 21 March advising of the new limit ... I had only added my accounts on 18 March so just sneaked in!

carpy

i used to have 38 added i think but limit reduced to 10 sadly!

OceanSound

masonic said:

OceanSound said:

masonic said:

If it were payouts, then it would be impossible to earn more than two in a three month period. So one reward must equal the credit of 500 or 100 points for an account. This would explain why mine went from 9 to 0 when I reconsented 9 accounts. I just can't explain why I started at 9 when I originally added about 12 accounts (I've not yet reached 5000 points to be able to cash out anything).

if all the 9 re-consented accounts are current accounts (makes sense to have current accounts  they are worth more points than savings accounts) then you only need two of those to reach 5000 points and cash in on the £50 ? 

I originally added 7 current accounts, 1 credit card and 4 savings accounts. I got 6 x 500 points and 3 x 100 points. I'm pretty sure two recently opened current accounts were the ones that didn't qualify, and one of the savings accounts had no activity so no surprises that didn't qualify.

Some time ago I deleted 2 savings accounts to bring me down to 10 accounts.

Today I couldn't reconsent anything until I deleted an account to take me to 9 accounts. When I reconsented them, annoyingly the deleted (savings) account reappeared, and one current account failed to reconsent, so I now have 6 current accounts, 1 credit card and 2 savings accounts (= 9 accounts), with 1 current account I am not able to add until I get more 'rewards to redeem'. I'm already just 170 points away from the cashing out £50 as I've been earning through surveys. I expect to receive 3700 points in the next few days. Hopefully another 500 when I can add my last current account.

when I read your post quoted below:

masonic said:

When they introduced the 10 account and 10 reward limit, they didn't set the 'rewards to redeem' figure accurately based on what had already been claimed in the prior 90 days. I started out with 9 to redeem, even though I'd been paid over 4000 points just a few weeks earlier and added nothing thereafter. Having reconsented most of my accounts today, I'm down to 0 to redeem and cannot add a 10th account. I'll be watching keenly what happens with my points and rewards to redeem over the coming week. Hopefully I will not have to wait until the 3 month anniversary of the 10 account restrictions to add my 10th account.

it said you had just over 4000 points. 2 x 500 points for two current accounts would've made 1000 points to make 5000 points. That's how come I've said you only need 2x reconsented (current) accounts appproved to reach target of 5000 points. 

Btw, with the deleted savings account, did you also login in to that banks online banking and remove the link with yougov (it appears as a less obvious name I think - something like truelayer or something). I remember reading a post from you saying it's best to do this (before reconsenting? Or re-adding). Not sure if you discovered this after the savings account mysteriously reappeared.

masonic

OceanSound said:

Btw, with the deleted savings account, did you also login in to that banks online banking and remove the link with yougov (it appears as a less obvious name I think - something like truelayer or something). I remember reading a post from you saying it's best to do this (before reconsenting? Or re-adding). Not sure if you discovered this after the savings account mysteriously reappeared.

I just deleted the savings account within yougov, so when I reconsented (no bank authorisation needed for this bank) both the current account I wanted to reconsent and the savings account I didn't were reconsented based on the previous authorisation I'd given. Had I revoked Truelayer's authorisation within the bank's app I'm sure I would have been able to prevent this happening.

I was expecting that all of the banks would require me to authenticate to extend the authorisation, but several got automatically extended without me needing to approve anything within the bank's site.

OceanSound said:

it said you had just over 4000 points. 2 x 500 points for two current accounts would've made 1000 points to make 5000 points. That's how come I've said you only need 2x reconsented (current) accounts appproved to reach target of 5000 points.

I said "over" rather than "just over" as I hadn't added them up at the time of that post. The actual figure was 4450 at that time (~20th March). It is now 4870 almost a month later. Until I looked back through the history, I hadn't appreciated only 3300 of those points had come from accounts and I did rather better through the surveys than I thought.

OceanSound

masonic said:

OceanSound said:

Btw, with the deleted savings account, did you also login in to that banks online banking and remove the link with yougov (it appears as a less obvious name I think - something like truelayer or something). I remember reading a post from you saying it's best to do this (before reconsenting? Or re-adding). Not sure if you discovered this after the savings account mysteriously reappeared.

I just deleted the savings account within yougov, so when I reconsented (no bank authorisation needed for this bank) both the current account I wanted to reconsent and the savings account I didn't were reconsented based on the previous authorisation I'd given. Had I revoked Truelayer's authorisation within the bank's app I'm sure I would have been able to prevent this happening.

I was expecting that all of the banks would require me to authenticate to extend the authorisation, but several got automatically extended without me needing to approve anything within the bank's site.

OceanSound said:

it said you had just over 4000 points. 2 x 500 points for two current accounts would've made 1000 points to make 5000 points. That's how come I've said you only need 2x reconsented (current) accounts appproved to reach target of 5000 points.

I said "over" rather than "just over" as I hadn't added them up at the time of that post. The actual figure was 4450 at that time (~20th March). It is now 4870 almost a month later. Until I looked back through the history, I hadn't appreciated only 3300 of those points had come from accounts and I did rather better through the surveys than I thought.

The no bank authorisation needed for that bank is really unusual. Must say I've never encountered such a bank in my dealings with open banking. I use Emma and each of the banks and fintech's have always asked me for authorisation. Yes, it's a pain that every 90 days I have to reauthrorise (I seem to recall not all of them can be reauthorized using biometric - with some I have to enter password I believe). However, in this case the inconvenience is overridden by the fact that if I ever become dissatisfied with Emma, they don't continue to reap the rewards from my data long in to the future without specific authorisation from my good self. 

I think with almost all banks (and fintech's) which do happen to ask for authorisation, the revoking from the bank's app would be overkill (because when we re-consent there will be an option to select which accounts we re-consent). However, it's not a bad idea to revoke truelayer authorisation (from the bank app side) just to be sure. 

Still baffled that no bank authorisation was/is needed for that bank. What kinda bank operates like that. How can the customers of that bank be sure that any tom, !!!!!! or harry doesn't have access to their precious data (with no questions asked). 

Band7

OceanSound said:

Still baffled that no bank authorisation was/is needed for that bank. What kinda bank operates like that. How can the customers of that bank be sure that any tom, !!!!!! or harry doesn't have access to their precious data (with no questions asked). 

Some (all?) of the yougov authorisation requests are for an indefinite timescale. Your bank will show what you are authorising before you do so. You can decline the authorisation request if you don't wish to grant this access. You can also revoke the access in your banking app / online banking.

Here is an example of some of my OB authorisations. The Truelayer ones are yougov

masonic

It was my HSBC group and Lloyds group accounts that needed reauthorisation. I checked HSBC (as that was the bank with my 10th account that I couldn't reauthorise) and the original Open Banking connection expired after 3 months. Yougov Finance probably attempts to set up ongoing access, but some banks time limit it. We are probably moving towards a situation where ongoing access is the norm. As most people won't want the inconvenience of reauthorising every 3 months, and can manually revoke it at any time. Nobody will get access without you initially authorising it.

OceanSound

Band7 said:

OceanSound said:

Still baffled that no bank authorisation was/is needed for that bank. What kinda bank operates like that. How can the customers of that bank be sure that any tom, !!!!!! or harry doesn't have access to their precious data (with no questions asked). 

Some (all?) of the yougov authorisation requests are for an indefinite timescale. Your bank will show what you are authorising before you do so. You can decline the authorisation request if you don't wish to grant this access. You can also revoke the access in your banking app / online banking.

Here is an example of some of my OB authorisations. The Truelayer ones are yougov

I just checked my Halifax bank account open banking settings. For Emma technologies ltd. On behalf of Emma it says 'ongoing'. Same for truelayer. 

But I'm pretty sure Emma app still prompts me to reconnect/reauthorize every 90 days.

masonic said:

It was my HSBC group and Lloyds group accounts that needed reauthorisation. I checked HSBC (as that was the bank with my 10th account that I couldn't reauthorise) and the original Open Banking connection expired after 3 months. Yougov Finance probably attempts to set up ongoing access, but some banks time limit it. We are probably moving towards a situation where ongoing access is the norm. As most people won't want the inconvenience of reauthorising every 3 months, and can manually revoke it at any time. Nobody will get access without you initially authorising it.

This would be handy, especially since we can manually revoke at any time if things turn sour. Any idea how come the reauthorising every 90 days was put in place to begin with instead of starting with what we are moving towards. Could've saved a lot of confusion and inconvenience.

Btw, when is the 'moving towards' gonno happen? Or has it already started to happen?