Lloyds constantly declining my debit card

friolento

Theleak250 said:

I’d agree and say change banks. Barclays refused me an overdraft so I just left. You have to leave if they are wasting your time no matter the issue. If the payment is legit there should
be no issues.

There's little point in changing banks if an account holder isn't prepared to comply with the security requirements which are similar at all banks.

HillStreetBlues

friolento said:

Theleak250 said:

I’d agree and say change banks. Barclays refused me an overdraft so I just left. You have to leave if they are wasting your time no matter the issue. If the payment is legit there should
be no issues.

There's little point in changing banks if an account holder isn't prepared to comply with the security requirements which are similar at all banks.

Yes & no.
I transferred £947 from Chase to newly opened Nationwide account no issue, £553 from Co-op I had to spent 45 mins on phone due to fraud prevention, clearly different banks have different measures.

friolento

HillStreetBlues said:

friolento said:

Theleak250 said:

I’d agree and say change banks. Barclays refused me an overdraft so I just left. You have to leave if they are wasting your time no matter the issue. If the payment is legit there should
be no issues.

There's little point in changing banks if an account holder isn't prepared to comply with the security requirements which are similar at all banks.

Yes & no.
I transferred £947 from Chase to newly opened Nationwide account no issue, £553 from Co-op I had to spent 45 mins on phone due to fraud prevention, clearly different banks have different measures.

There is no discernable pattern to a bank's fraud prevention measures. You can be pulled up at random at any bank. As and if they select you for further checks, it's no advisable to argue with them when they take you through ID verification (which appears what the OP felt they should do).

HillStreetBlues

friolento said:

There is no discernable pattern to a bank's fraud prevention measures. You can be pulled up at random at any bank. As and if they select you for further checks, it's no advisable to argue with them when they take you through ID verification (which appears what the OP felt they should do).

I agree it's pointless to argue when going though fraud measures, but there is a pattern as the OP has a continuous issue with that monthly bill. Another bank may well have no issue with that payment.

Aussie2005

I do not make direct debits any longer since I find that if there's an overcharge that's more time wasted chasing reimbursement which can also take a long time to receive.
Yes I need to change banks.
Yes also not a good idea to lose my cool, but after a day of encountering a variety of websites not working, transport not working, my facebook disappearing (which I'm now pleased about) then spilling coffee all over my new, ice blue almost white raincoat while also having the flu and making the call at 11.20 pm I'd about had it..........so no apologies, but definitely need to keep to my general rule, catch more flies with honey than vinegar. thanks for feedback

Aussie2005

Praise the sun, I had never before been asked for passport or drivers license.  I had provided quite sufficient proof according the my previous interactions within the past 12 months and frankly, it's my money, I'd provided adequate proof and I don't like being spoken to in a condescending manner.  Customer service have lost the skills of speaking in a manner that does not provoke a poor response, but, we're living in a time where banks are no longer a respectful business necessarily, so I may move to a building society instead.

friolento

WOW.               

Sea_Shell

Why the pile on of the OP?

I can't believe that you (general) would also all be so sanguine if you payed the same bill every month via *debit card, and then you get the 3rd degree from your bank, when they can see from their records that its the same thing you pay, month in month out.   Not some random payment to a new payee.

Maybe the OP could say what they were paying.   Something completely standard like to their energy supplier, or something a bit more unusual, membership subs etc.

Yes, you should remain polite with call centre staff, but, this level of 'proof' that they are demanding is not proportionate to the 'perceived' problem.  And they wonder why people become exasperated.  

TBH I would have probably hung up on them, politely (someone at the door!), before they'd had a chance to hang up on me.   Gather my thoughts, get my paperwork, breathe, and then ring back.   Or just move bank!!


* regardless of how we may feel about that method of paying a regular bill.

paul_c123

It sounds like the OP has never actually successfully gotten through the security checks when phoning their bank. Until he can do that, they'll give you no useful information.

At least Lloyds still has branches - just go into one (take your debit card and don't forget your PIN) and sort it out there.

friolento

Sea_Shell said:

 

Yes, you should remain polite with call centre staff, but, this level of 'proof' that they are demanding is not proportionate to the 'perceived' problem.  And they wonder why people become exasperated.  

The call centre operative has to go through the ID verification before they can discuss the issue. Not sure how this process could be proportionate. People have to pass ID verification regardless of the nature of the issue.

The OP has explained why they got irritated during the ID verification process, and acknowledged that it wasn't a good idea to lose their cool.