Lloyds Bank security message not fit for purpose?

w0z

You can't proceed with the transaction unless you tick the boxes, and agreeing appears to be contingent upon having had a scam call...
(and there are also scam scenarios other than a call where you can be asked to move money.)
To be kind, perhaps it was written by AI ..if so we're doomed!

MyRealNameToo

w0z said:

You can't proceed with the transaction unless you tick the boxes, and agreeing appears to be contingent upon having had a scam call...
(and there are also scam scenarios other than a call where you can be asked to move money.)
To be kind, perhaps it was written by AI ..if so we're doomed!

HSBC Business account's one is even worse, it asks you who gave you the details and how did they give them to you (eg employee, director, HR, supplier etc and email, phone call, face to face etc).  So when I am changing details for a payment to myself which do I choose? No one has told me to do it by no method, it's all me. 

My vote would be someone on the graduate scheme wrote it rather than AI, it would have done better. 

singhini

I had this aswell from Lloyds - didn't bother me, its just pointing out that "if you've had a call........" you understand those two points (nothing more)
Doesn't surprise me more and more banks have this sort of thing.

EssexExile

Similar with Santander - "You're buying something online, are you sure you know where the money is going?" No I'm not buying something online, whatever gave you that idea? But you have to agree that you are to get beyond this point.

Nasqueron

EssexExile said:

Similar with Santander - "You're buying something online, are you sure you know where the money is going?" No I'm not buying something online, whatever gave you that idea? But you have to agree that you are to get beyond this point.

I find the Santander transfer one to be the more annoying, I get 100% they want to cover themselves but when it's a move to my own account which I have done repeatedly over the year, always smaller amounts to cover bills, it would be nice to not have to explain each time that it's to my own account and yes I do know it's my money at risk

Ergates

w0z said:

You can't proceed with the transaction unless you tick the boxes, and agreeing appears to be contingent upon having had a scam call...
(and there are also scam scenarios other than a call where you can be asked to move money.)
To be kind, perhaps it was written by AI ..if so we're doomed!

I very much doubt that was written by AI - it would take longer to write the prompts for the AI that the 4 short sentences above.

w0z

Ergates said:

w0z said:

You can't proceed with the transaction unless you tick the boxes, and agreeing appears to be contingent upon having had a scam call...
(and there are also scam scenarios other than a call where you can be asked to move money.)
To be kind, perhaps it was written by AI ..if so we're doomed!

I very much doubt that was written by AI - it would take longer to write the prompts for the AI that the 4 short sentences above.

It was ironic, I was trying to be kind to the incompetent person who wrote it.

MyRealNameToo

singhini said:

I had this aswell from Lloyds - didn't bother me, its just pointing out that "if you've had a call........" you understand those two points (nothing more)
Doesn't surprise me more and more banks have this sort of thing.

All it needs is rewording as its currently drafted its conditional on you having had a call, they just need to reword it to be sure you understand the points in general and not make it conditional. 

Nasqueron said:

EssexExile said:

Similar with Santander - "You're buying something online, are you sure you know where the money is going?" No I'm not buying something online, whatever gave you that idea? But you have to agree that you are to get beyond this point.

I find the Santander transfer one to be the more annoying, I get 100% they want to cover themselves but when it's a move to my own account which I have done repeatedly over the year, always smaller amounts to cover bills, it would be nice to not have to explain each time that it's to my own account and yes I do know it's my money at risk

Barclays used to block my debit card payment to my Natwest credit card every month for about 18 months as a "suspicious transaction". Started in late 2008 so perhaps RBS Group were suspicious recipients but the algo should have learned quicker 

singhini

MyRealNameToo said:

singhini said:

I had this aswell from Lloyds - didn't bother me, its just pointing out that "if you've had a call........" you understand those two points (nothing more)
Doesn't surprise me more and more banks have this sort of thing.

All it needs is rewording as its currently drafted its conditional on you having had a call, they just need to reword it to be sure you understand the points in general and not make it conditional. 

Its not me who needs to know (i'm not the one struggling to understand it or moaning about it).
Tell the OP or the bank if you have a suggestion. 

w0z

Don't take it personally, it's obvious it needs re-drafting, it was just someone trying to be helpful.

 I'm not struggling to understand it  but I suppose my post could be interpreted as moaning although it was only intended to highlight the incompetence of the original author  of the warning text and any subsequent moderation, (assuming the Bank does check their software before releasing it into the wild).
Maybe someone will phone the helpline and explain that they are part way through a transaction and can't tick the boxes  because they haven't been 'phoned by a scammer.

retiredbanker1

Lloyds seem to have stopped the irritating message to payees that you have paid to previously.
I have never seen a red box like that - I'm assuming it is for new payees?