WARNING if somebody has asked for this code they are a criminal (from NatWest for Amazon purchase)

Shakin_Steve

I read, this morning, that Santander are going to block purchases through Facebook Marketplace unless you tick a box to say you've actually seen the item in person. It's a start, I suppose. You'd have a job saying you'd been scammed once you've ticked that box.

Zanderman

Shakin_Steve said:

I read, this morning, that Santander are going to block purchases through Facebook Marketplace unless you tick a box to say you've actually seen the item in person. It's a start, I suppose. You'd have a job saying you'd been scammed once you've ticked that box.

How are Santander going to do that? Add that facebook question to every new bank transfer? 

Shakin_Steve

Zanderman said:

Shakin_Steve said:

I read, this morning, that Santander are going to block purchases through Facebook Marketplace unless you tick a box to say you've actually seen the item in person. It's a start, I suppose. You'd have a job saying you'd been scammed once you've ticked that box.

How are Santander going to do that? Add that facebook question to every new bank transfer? 

https://www.thisismoney.co.uk/money/beatthescammers/article-12856513/Eyeing-gift-Facebook-Santander-block-purchase-unless-seen-person.html

Zanderman

Shakin_Steve said:

Zanderman said:

Shakin_Steve said:

I read, this morning, that Santander are going to block purchases through Facebook Marketplace unless you tick a box to say you've actually seen the item in person. It's a start, I suppose. You'd have a job saying you'd been scammed once you've ticked that box.

How are Santander going to do that? Add that facebook question to every new bank transfer? 

https://www.thisismoney.co.uk/money/beatthescammers/article-12856513/Eyeing-gift-Facebook-Santander-block-purchase-unless-seen-person.html

So the answer to my question seems to be Yes. 

They are going to add the question to every new bank transfer.  I can't see any other way as fb marketplace has no payment facility built in, certainly not the website version, I wouldn't know about the app.

Which, if it really is what they intend, really is turning banks into nanny.

There are screen shots of the questions on this site: https://www.yourmoney.com/news/santander-to-block-risky-facebook-marketplace-payments/

[For what it's worth I sometimes buy (and sell) on fb marketplace, but only ever pay and take good old-fashioned cash, on the doorstep, with the item!]

Shakin_Steve

I agree that it is, indeed, nannying. But let's face it, it's always been the way that the powers that be will make rules to protect the more 'vulnerable' amongst us at the expense of the more able. We are already indirectly paying for the payouts that banks make to people who are scammed, so maybe we should welcome this, even though most people will no doubt be indignant at such an intrusion into our online payments. 

I simply don't know where all of this is going or what banks/governments can do about it. It's a worry. But a start might be that anyone who registers with these social media sites has to provide rock solid ID. But there would be outrage at that, too.

It might also help if the police had the resources to investigate these criminals, then the banks could deal with banking, instead of trying to police the internet.

boingy

Shakin_Steve said:

I read, this morning, that Santander are going to block purchases through Facebook Marketplace unless you tick a box to say you've actually seen the item in person. It's a start, I suppose. You'd have a job saying you'd been scammed once you've ticked that box.

That will just drive everyone back to using cash!

born_again

Shakin_Steve said:

I agree that it is, indeed, nannying. But let's face it, it's always been the way that the powers that be will make rules to protect the more 'vulnerable' amongst us at the expense of the more able. We are already indirectly paying for the payouts that banks make to people who are scammed, so maybe we should welcome this, even though most people will no doubt be indignant at such an intrusion into our online payments. 

I simply don't know where all of this is going or what banks/governments can do about it. It's a worry. But a start might be that anyone who registers with these social media sites has to provide rock solid ID. But there would be outrage at that, too.

It might also help if the police had the resources to investigate these criminals, then the banks could deal with banking, instead of trying to police the internet.

There not. They are protecting both customers & themselves. From people who fail to follow the advice that is out there & still fall for these scams & what their money back blaming the banks for not doing enough.

Barkin

grumbler said:

Barkin said:

Shakin_Steve said:

Barkin said:

sausage_time said:

I see a more and more companies doing this.  O2 for example send two text messages - one is the warning not to share (etc), short delay, then the code needed.  

Seems a bit pointless. What if the "first" text doesn't arrive until after the one with the code ?

They know when you've read a message.

So they rely on read receipts?  And if they're not enabled? 

They know that it was delivered, that's sufficient in this case.

..., there’s no way of knowing the text message has actually been read, only that it has arrived in the person’s SMS inbox.

https://thesmsworks.co.uk/blog/sms-delivery-reports/

That's referring to delivery reports. Read receipts are a different animal.

And I'd suggest that relying only on a delivery report is not sufficient, as the user may not see/read the warning text.
Far better IMO to include the warning in with the code - nobody can then claim that they weren't warned if it's in the same text as the code that they went on to use. 

Seems like an unnecessarily complicated & unsatisfactory solution looking for a problem. 

Grumpy_chap

GustyGardenGalaxy said:

WARNING if somebody has asked for this code they are a criminal. Code: xxxxx confirms a purchase on your card of x.xx GBP to Amazon

This type of cautionary alert is quite common.  My latest CC authorisation code read "If anyone calls to ask for this OTP, hang up.  Enter..."
The wording used by Natwest is a bit more robust and "if somebody has asked for the code" could be taken in a literal sense to include Amazon (or whoever the genuine transaction originator was) having asked for the code in the normal transactional manner.
I suppose the message needs to be read and taken with a sense of pragmatic application.

General_Grant

I've always found that the code isn't asked for by the selling organisation but in the pop-up which originates from the CC provider organisation.