Suspicious call purportedly from my bank . .

confederated

The worst thing about it is that I thought I was well on top of these scams. I teach young people about them. I’m shocked at how I was sucked in. I always thought it would never happen to me. It’s easy to point a finger and say ‘you should never have read back an OTP’ but as others have agreed, we are used to doing that and when you’re feeling grateful that the bank has avoided money being taken out of your account fraudulently, and you’re busy at the time, it’s easy to let your guard slip. I was never asked for personal information, I assumed the OTP was just to verify me. The lesson is to always assume a call you receive from your bank is not genuine and call the bank yourself. Luckily I have lost nothing.

masonic

Using a bank that supports CASS switches is also helpful to reduce the admin of changing banks for any reason.

SiliconChip

https://forums.moneysavingexpert.com/discussion/comment/81941231#Comment_81941231

As the OP stated previously Triodos are part of CASS (I've just checked the list myself) so the issue in this case is why the sortcode/account wasn't accepted by RBS.

masonic

https://forums.moneysavingexpert.com/discussion/comment/81941266#Comment_81941266

Ah, I missed that post. That's incredibly annoying.

confederated

I talked to the fraud department at Triodos this morning. They confirmed that another app has not been set up and that to do so the fraudster would need valid photo ID and a personal photo to match - as well as the code I read back to them.

I spent this morning contacting companies which don’t allow editing direct details online, so as of now, all my direct debits and CCA payments have been transferred to RBS.

Thank you all for your helpful comments - and let us all be ultra diligent!