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First direct frustrations
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lindabea said:born_again said:lindabea said:Masonic - thank you for your reply. and I accept your point Yes I do understand that some people are gullible and need protection, but the point I'm making and what I cannot accept, is when bank staff do not use their own initiative to save everybody's time - theirs and mine.
Such as in my case - I was transferring the money back to my own account. An account that with some checking, FD could clearly see that the account was in my name and already set up on my FD account and would be familiar to them. So I do not see the need to raise any suspicion about being a fraudulent transaction. In all, I probably had to answer several questions which took more than 10 mins on the phone and nearly a whole day to then release the payment. I know it's not much, but do I dare mention that I lost a day's interest in the process How is that justification.
DD's are a separate system, so would not be in their face.
Have you never heard that fraudsters ask you to transfer funds to one of your own accounts & then remove the funds from there?born_again said:lindabea said:Masonic - thank you for your reply. and I accept your point Yes I do understand that some people are gullible and need protection, but the point I'm making and what I cannot accept, is when bank staff do not use their own initiative to save everybody's time - theirs and mine.
Such as in my case - I was transferring the money back to my own account. An account that with some checking, FD could clearly see that the account was in my name and already set up on my FD account and would be familiar to them. So I do not see the need to raise any suspicion about being a fraudulent transaction. In all, I probably had to answer several questions which took more than 10 mins on the phone and nearly a whole day to then release the payment. I know it's not much, but do I dare mention that I lost a day's interest in the process How is that justification.
DD's are a separate system, so would not be in their face.
Have you never heard that fraudsters ask you to transfer funds to one of your own accounts & then remove the funds from there?
Suffice to say that we are still on legacy systems, as they could not integrate the years of data that was required. No good having a new system, if it does not include all customers historical account data.Life in the slow lane0 -
born_again said:lindabea said:born_again said:lindabea said:Masonic - thank you for your reply. and I accept your point Yes I do understand that some people are gullible and need protection, but the point I'm making and what I cannot accept, is when bank staff do not use their own initiative to save everybody's time - theirs and mine.
Such as in my case - I was transferring the money back to my own account. An account that with some checking, FD could clearly see that the account was in my name and already set up on my FD account and would be familiar to them. So I do not see the need to raise any suspicion about being a fraudulent transaction. In all, I probably had to answer several questions which took more than 10 mins on the phone and nearly a whole day to then release the payment. I know it's not much, but do I dare mention that I lost a day's interest in the process How is that justification.
DD's are a separate system, so would not be in their face.
Have you never heard that fraudsters ask you to transfer funds to one of your own accounts & then remove the funds from there?born_again said:lindabea said:Masonic - thank you for your reply. and I accept your point Yes I do understand that some people are gullible and need protection, but the point I'm making and what I cannot accept, is when bank staff do not use their own initiative to save everybody's time - theirs and mine.
Such as in my case - I was transferring the money back to my own account. An account that with some checking, FD could clearly see that the account was in my name and already set up on my FD account and would be familiar to them. So I do not see the need to raise any suspicion about being a fraudulent transaction. In all, I probably had to answer several questions which took more than 10 mins on the phone and nearly a whole day to then release the payment. I know it's not much, but do I dare mention that I lost a day's interest in the process How is that justification.
DD's are a separate system, so would not be in their face.
Have you never heard that fraudsters ask you to transfer funds to one of your own accounts & then remove the funds from there?
Suffice to say that we are still on legacy systems, as they could not integrate the years of data that was required. No good having a new system, if it does not include all customers historical account data.
As for having to stay on your old system due to not being able to integrate the historical data, this, I do not understand. Possibly something that staff were told as a feeble excuse to justify not going ahead with the project. If you believe that, then you are being very naive. Since historical data is usually for read/display only (no updates), there is absolutely no reason that I can see that an interface could not be provided to retrieve the historical data into a new system, and display as required along side the current data. Needless to say, there will be additional costs, but I do not accept that this excuse would have been a valid reason not to proceed with the project . In systems terms, anything is possible, giving the willingness to pay for the service, and commitment to priorities. Unfortunately, both qualities appear to have been missing in your circumstances.
Before doing something... do nothing0 -
EarthBoy said:First Direct's app is only basic, but that's one of the reasons that many customers like it. They just want to be able to check their balance, pay bills, and transfer money. They don't want all the bells and whistles that you find in some other banks' apps because they're too confusing.Before doing something... do nothing0
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lindabea said:EarthBoy said:First Direct's app is only basic, but that's one of the reasons that many customers like it. They just want to be able to check their balance, pay bills, and transfer money. They don't want all the bells and whistles that you find in some other banks' apps because they're too confusing.1
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born_again said:lindabea said:Yes very frustrating. I had something similar. I rang my credit card company, key in my 16 digit number before being put through to a human. I then get asked for my 16 digit number. It's enough to test your patience. But please help me out here to save my sanity. You say you don't make a fuss and you don't blame the staff, (I admire your patience) so what do you think is the cause of so much incompetence. As I said earlier, such incompetence is not only with banks these days, but with many organisations, such as utility companies, surgeries, hospitals, care homes. In fact, I can't name any company that has any credibility going for it. Absolute disgrace.
Try it from the other side 🤣
Vote with your feet if you don't like it. But good luck on find something you like 🤷♀️
.
And for what gain. Not able to change any personal details as this will require corroboratory evidence, or borrow/transfer money. What would a person pretending to be me speaking to a credit card company could do by speaking to them.
.Before doing something... do nothing0 -
masonic said:lindabea said:EarthBoy said:First Direct's app is only basic, but that's one of the reasons that many customers like it. They just want to be able to check their balance, pay bills, and transfer money. They don't want all the bells and whistles that you find in some other banks' apps because they're too confusing.Before doing something... do nothing0
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lindabea said:masonic said:lindabea said:EarthBoy said:First Direct's app is only basic, but that's one of the reasons that many customers like it. They just want to be able to check their balance, pay bills, and transfer money. They don't want all the bells and whistles that you find in some other banks' apps because they're too confusing.2
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lindabea said:born_again said:lindabea said:born_again said:lindabea said:Masonic - thank you for your reply. and I accept your point Yes I do understand that some people are gullible and need protection, but the point I'm making and what I cannot accept, is when bank staff do not use their own initiative to save everybody's time - theirs and mine.
Such as in my case - I was transferring the money back to my own account. An account that with some checking, FD could clearly see that the account was in my name and already set up on my FD account and would be familiar to them. So I do not see the need to raise any suspicion about being a fraudulent transaction. In all, I probably had to answer several questions which took more than 10 mins on the phone and nearly a whole day to then release the payment. I know it's not much, but do I dare mention that I lost a day's interest in the process How is that justification.
DD's are a separate system, so would not be in their face.
Have you never heard that fraudsters ask you to transfer funds to one of your own accounts & then remove the funds from there?born_again said:lindabea said:Masonic - thank you for your reply. and I accept your point Yes I do understand that some people are gullible and need protection, but the point I'm making and what I cannot accept, is when bank staff do not use their own initiative to save everybody's time - theirs and mine.
Such as in my case - I was transferring the money back to my own account. An account that with some checking, FD could clearly see that the account was in my name and already set up on my FD account and would be familiar to them. So I do not see the need to raise any suspicion about being a fraudulent transaction. In all, I probably had to answer several questions which took more than 10 mins on the phone and nearly a whole day to then release the payment. I know it's not much, but do I dare mention that I lost a day's interest in the process How is that justification.
DD's are a separate system, so would not be in their face.
Have you never heard that fraudsters ask you to transfer funds to one of your own accounts & then remove the funds from there?
Suffice to say that we are still on legacy systems, as they could not integrate the years of data that was required. No good having a new system, if it does not include all customers historical account data.
As for having to stay on your old system due to not being able to integrate the historical data, this, I do not understand. Possibly something that staff were told as a feeble excuse to justify not going ahead with the project. If you believe that, then you are being very naive. Since historical data is usually for read/display only (no updates), there is absolutely no reason that I can see that an interface could not be provided to retrieve the historical data into a new system, and display as required along side the current data. Needless to say, there will be additional costs, but I do not accept that this excuse would have been a valid reason not to proceed with the project . In systems terms, anything is possible, giving the willingness to pay for the service, and commitment to priorities. Unfortunately, both qualities appear to have been missing in your circumstances.
This is all banks fear, no matter how much testing. There is always a risk. So when the legacy systems work. Spending millions tends to be something that could fail & cost even more. Is a major risk that banks are not willing to take.
Not so much greed, more not willing to take the risk.
The whole idea of a new system is to get rid of the legacy systems. Having a link between new & old defeats the purpose & is a pointless waste of money.Life in the slow lane2 -
lindabea said:born_again said:lindabea said:Yes very frustrating. I had something similar. I rang my credit card company, key in my 16 digit number before being put through to a human. I then get asked for my 16 digit number. It's enough to test your patience. But please help me out here to save my sanity. You say you don't make a fuss and you don't blame the staff, (I admire your patience) so what do you think is the cause of so much incompetence. As I said earlier, such incompetence is not only with banks these days, but with many organisations, such as utility companies, surgeries, hospitals, care homes. In fact, I can't name any company that has any credibility going for it. Absolute disgrace.
Try it from the other side 🤣
Vote with your feet if you don't like it. But good luck on find something you like 🤷♀️
.
And for what gain. Not able to change any personal details as this will require corroboratory evidence, or borrow/transfer money. What would a person pretending to be me speaking to a credit card company could do by speaking to them.
.
Do you realise how easy it is to get a 16 digit card number? If that is the only security to get through & make transactions. Then dump that bank fast, as their security is so poor FCA would shut them down.Life in the slow lane2 -
lindabea said:EarthBoy said:First Direct's app is only basic, but that's one of the reasons that many customers like it. They just want to be able to check their balance, pay bills, and transfer money. They don't want all the bells and whistles that you find in some other banks' apps because they're too confusing.
It's certainly not convoluted.1
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