Dad’s Online Banking Issue

grumbler

woodyt said:

grumbler said:

woodyt said:

Unfortunately the information he’s given me doesn’t seem to be correct. I’ve queried it with him ( he’s still mentally fine!) however somethings obviously not right.

Did you try   Forgotten your sign-in details?

There are options

• Change your password
• Change your memorable information
• Change both
• Find out your username

As you managed to exhaust the available login attempts, the username that you know is correct. You can double-check this with with "Change both" option - if you enter incorrect username you won't be able to get to the next step.

If the username is correct, then the problem is, obviously, with the password. For their mobile app they say:

1. On sign in page, select Forgotten your sign-in details?.
2. Enter your details and if you don’t know your username, we’ll ask for account details instead.
3. We’ll now do a quick security check to confirm it’s you. Select a number for us to contact you on.
4. We’ll send you a one-time passcode text, we’ll ask you to enter it. If we called you, we’ll ask you to say or key the code on your phone.
5. All done, you’ve updated your details and can use them to sign in.

So, it's only his mobile (or landline?) phone that you need to get the one-time passcode . I guess for a PC the procedure is the same.

...
Any ideas if I fail on the last attempt what would happen re gaining access to the account?

Be careful. Don't know about Halifax, but with some other banks this may require a visit to a branch with proofs of ID.

Abbafan1972

We use Halifax banking online and I have the iPhone app. The phone app uses faceid as my phone has this function. On the main website which I access on a laptop / Mac. I have to put in a username, password and then 3 random characters from a memorable word I’ve set up. Occasionally my phone will ask for these letters every few log ins. I have fingerprints set up on the Mac but not on the laptop, but as I said, these are not used to log in. 

SiliconChip

While it's definitely worth getting on with the LPA request it will indeed take several months to be granted. Fortunately Halifax offer an alternative which seems like it would be the sensible approach for you to take in the first instance.

https://www.halifax.co.uk/helpcentre/someone-to-manage-your-affairs.html

p00hsticks

Flugelhorn said:

If he is mentally fine then got on with the POA ASAP  as just having passwords to login to his accounts won;t do in the longer term and you may find yourself totally locked out if any of the institutions find out. 

Can you get a friend to be the certificate provider and come to the hospital with you to have chat to him about his wishes re POA ? 

This ^. concentrate on getting the POA - my parents have just done one and been told the turnaround time for it to be processed is around 20 weeks, so this needs to be your top priority. 

born_again

woodyt said:

Hi,
My elderly Dad has been in hospital for 5 weeks. 

Despite being 84, he’s always been PC savvy and all his accounts and bills are online.
A couple of weeks before he became poorly, he decided he wanted to set up a POA but unfortunately we didn’t get round to doing it!
He’s asked me to keep an eye on his bank account and given me his password.
Unfortunately the information he’s given me doesn’t seem to be correct. I’ve queried it with him ( he’s still mentally fine!) however somethings obviously not right.
The Halifax account has offered one more attempt to get in but I’m reluctant to try as I don’t want it to get locked out!
Even if we go down the POA route, I believe it could take months.
The hospital want to discharge him but he’s not well enough to return home and will most likely go to a nursing home and will need self funding.
His house will have to be sold aswell.
Any advice please as I’ve no idea if there’s anyway around this situation as we will need access to his savings to pay for his care prior to his house being sold?
Help please 🙏

Basic question

How are you trying to access acc. PC, App?
Are you using his PC, or your own?

You say he gave password, what about the other information to access account? 

GrubbyGirl_2

You'll need an LPA setting up which will be the quickest, but if he's not savvy enough to manage his own finances you may find it's too late to get an LPA as he will may not meet the capacity test.  If that's the case then you'll need to apply for Deputyship through the court of protection.  This is not hard to do but does take more time than an LPA and costs more.

If you're worried about paying for the care home in the interim then talk to Social Services who will fund in the interim but they will put a lean on his house so that they will be paid back when it's sold.

sheramber

woodyt said:

Hi,
My elderly Dad has been in hospital for 5 weeks. 

Despite being 84, he’s always been PC savvy and all his accounts and bills are online.
A couple of weeks before he became poorly, he decided he wanted to set up a POA but unfortunately we didn’t get round to doing it!
He’s asked me to keep an eye on his bank account and given me his password.
Unfortunately the information he’s given me doesn’t seem to be correct. I’ve queried it with him ( he’s still mentally fine!) however somethings obviously not right.
The Halifax account has offered one more attempt to get in but I’m reluctant to try as I don’t want it to get locked out!
Even if we go down the POA route, I believe it could take months.
The hospital want to discharge him but he’s not well enough to return home and will most likely go to a nursing home and will need self funding.
His house will have to be sold aswell.
Any advice please as I’ve no idea if there’s anyway around this situation as we will need access to his savings to pay for his care prior to his house being sold?
Help please 🙏

https://www.halifax.co.uk/helpcentre/someone-to-manage-your-affairs.html

dealyboy

@born_again said:

woodyt said:

Hi,
My elderly Dad has been in hospital for 5 weeks. 

Despite being 84, he’s always been PC savvy and all his accounts and bills are online.
A couple of weeks before he became poorly, he decided he wanted to set up a POA but unfortunately we didn’t get round to doing it!
He’s asked me to keep an eye on his bank account and given me his password.
Unfortunately the information he’s given me doesn’t seem to be correct. I’ve queried it with him ( he’s still mentally fine!) however somethings obviously not right.
The Halifax account has offered one more attempt to get in but I’m reluctant to try as I don’t want it to get locked out!
Even if we go down the POA route, I believe it could take months.
The hospital want to discharge him but he’s not well enough to return home and will most likely go to a nursing home and will need self funding.
His house will have to be sold aswell.
Any advice please as I’ve no idea if there’s anyway around this situation as we will need access to his savings to pay for his care prior to his house being sold?
Help please 🙏

Basic question

How are you trying to access acc. PC, App?
Are you using his PC, or your own?

You say he gave password, what about the other information to access account? 

When I login to my Halifax online account (laptop) I need to enter Username, Password and 3 characters from my memorable information ...





... and then you are logged in. As you can see there are links if information has been 'forgotten'.

MikeJXE

Personally I wouldn't try the last attempt

The OP says his dad is mentally fine so why not phone the bank with his dad present 

Passwords and ID are probably case sensitive so did dad say which letters are uppercase 

No matter how old he is everyone forgets passwords, my kids and grandkids do 

Has he written it down somewhere ? 

enthusiasticsaver

I have a POA for my mums accounts and access them under my own name.  I would get  on with that asap as technically you should not be trying to access his accounts using his logon information.  I do not remember it taking months but if he still has mental capacity it is best to do it now.  You could get a reminder of the user name and password in the meantime.  I am not sure if Halifax lock you out after three unsuccessful attempts at once or over a period of time but regardless you will not be any worse off as you cannot access them now.  You could still get a letter of instruction from him and go into a Halifax and explain the situation.