Shawbrook Bank - Ignores undelivered maturity emails- assumes you've received them.

onomatopoeia99

HUMBUG said:

I think another interesting point regarding bounced emails is the security aspects.

What "security aspects" do you envision there to be?

If you could answer without an AI generated response, that would be ideal.

HUMBUG

Barkin said:

HUMBUG said:

Anyhow , I will know more from those 9  banks I've already contacted . If they have follow-up procedures for returned email, I might opt for them instead.

You do remember what Shawbrooks initially said, when you first queried this with them?

The 1st time I phoned them , the representative said they had not received any undeliverable emails. That if they did , they would 'do due diligence' and use an alternative means like SMS text.

Today , the complaints representative said they have a no reply mailbox so wouldn't receive any undeliverable emails. 

HUMBUG

onomatopoeia99 said:

HUMBUG said:

I think another interesting point regarding bounced emails is the security aspects.

What "security aspects" do you envision there to be?

If you could answer without an AI generated response, that would be ideal.

At least a cursory phone call or SMS text saying that email has been returned and to contact us immediately to prevent your account from being suspended.

HUMBUG

masonic said:

Banks would normally send a final response letter to your registered address by snail mail.

They won't send the letter by email , but send me an email notifying that a secure message is waiting for me to read.  When I log online , that secure message will advise that there is an edocument  posted available for viewing.

masonic

HUMBUG said:

onomatopoeia99 said:

HUMBUG said:

I think another interesting point regarding bounced emails is the security aspects.

What "security aspects" do you envision there to be?

If you could answer without an AI generated response, that would be ideal.

At least a cursory phone call or SMS text saying that email has been returned and to contact us immediately to prevent your account from being suspended.

If any bank I use threatened to suspend my account because they believed an email they sent me bounced, I would be complaining about that.

Imagine in my previous experience with Lloyds if I had to phone them every month to stop them even though their emails were being delivered. Now that would be good grounds for a complaint!

HUMBUG

masonic said:

HUMBUG said:

onomatopoeia99 said:

HUMBUG said:

I think another interesting point regarding bounced emails is the security aspects.

What "security aspects" do you envision there to be?

If you could answer without an AI generated response, that would be ideal.

At least a cursory phone call or SMS text saying that email has been returned and to contact us immediately to prevent your account from being suspended.

If any bank I use threatened to suspend my account because they believed an email they sent me bounced, I would be complaining about that.

Imagine in my previous experience with Lloyds if I had to phone them every month to stop them even though their emails were being delivered. Now that would be good grounds for a complaint!

I wouldn't mind to be honest because that would forewarn me that there was something wrong with my email system and get it fixed or change to a more dependable mailing system.

MeteredOut

HUMBUG said:

MeteredOut said:

You really need to stop relying on AI to make assertions. It can and does get things wrong - it basically crowd sourcings information from all sources made available to it as part of its model - and that includes large parts of the internet containing wrong or misleading information.

I'm not saying what you've pasted above is wrong, but you cannot assume it is correct without verification.

Yes , your correct as I've had AI give me nonsense answers before but it does seem to make some sense that banks might have some security measures in place.  As I said before , I am awaiting replies from 8 out of the 9 'banks/building societies' I've contacted , so I'll know more.

Is your case with the FOS going to be "these other banks say they'd contact me if i don't update my email, so Shawbrook should have"? I'd suggest that's not your best chance of getting a result.

I'd not call contacting a customer if their email no longer works a security measure.

happybagger

HUMBUG said:I am awaiting replies from 8 out of the 9 'banks/building societies' I've contacted , so I'll know more.

You have an issue with Shawbrook, have accordingly made a complaint. You often refer to what their t&cs say. I do not see what the relevance is of 8 out of 9 random, unconnected financial institutions' practices to this matter.

MeteredOut

HUMBUG said:

Barkin said:

HUMBUG said:

Anyhow , I will know more from those 9  banks I've already contacted . If they have follow-up procedures for returned email, I might opt for them instead.

You do remember what Shawbrooks initially said, when you first queried this with them?

The 1st time I phoned them , the representative said they had not received any undeliverable emails. That if they did , they would 'do due diligence' and use an alternative means like SMS text.

Today , the complaints representative said they have a no reply mailbox so wouldn't receive any undeliverable emails. 

Its rather naive to think a first line telephone handler will know how their back office systems will handle outdated email addresses, unless it is covered in their training manual. If not, they will say what they think will get you off the phone. Asking for it in writing (as you have done) is the only way you can closer to the actuality, as it encourages them to find the right person to answer the question.

I'm not sure how knowing the answer will advance your case, however.

onomatopoeia99

HUMBUG said:

onomatopoeia99 said:

HUMBUG said:

I think another interesting point regarding bounced emails is the security aspects.

What "security aspects" do you envision there to be?

If you could answer without an AI generated response, that would be ideal.

At least a cursory phone call or SMS text saying that email has been returned and to contact us immediately to prevent your account from being suspended.

Why would they suspend your account for a non-delivered email?  That would be, to put it mildly, bonkers.  They have no control of either the recipient's mail server or the routing between it and their servers, so suspending an account over a potentially transient problem would be both bizarre and risk regulatory action.