Told off by the bank

[steveR]

Could you log online if you do this of course & not update whatever details they needed?

Were all just a number its a shame really.

Too think a fair chunk of business's have kept them in going to be then treated in this way.

That would be far too simple and logical, much like sending a letter...

 

[Farma Parma]

That would be far too simple and logical, much like sending a letter...

Its funny mind of all the things i can n cant do on Bank of Scotland is change my telephone numbers or just update them
Nope thats a Ring them up type of change. Why ive no idea.

 

[balerman]

No anybody can have them. Me and missus have one each for our NatWest accounts and I also have a nationwide one. All personal accounts.

NatWest is just used for adding new payees to my account and sometimes verifying payments.

Nationwide one I have to use to login on my computer which is a pain in the arse as I have to fetch my wallet everytime I want to just check something. Sorted that with mobile app now though as that's just passcode entry.

We have both of those,battery has gone in the Nat west one,nationwide one will work on it fine.

 

[Tomo23]

We have both of those,battery has gone in the Nat west one,nationwide one will work on it fine.

I have had to change the battery in my NatWest one. Hardly gets much use so I don't know how it's come to run out.

 

[Yorkshire lad]

You and I know that but @Yorkshire lad was obviously unaware and went through a totally unnecessary rigmarole which probably confused the bank staff, which made them suspicious enough to suspect that the accounts were not secure.

Just to clarify the device needed to activated not registered They sent a PIN number to a unlock the gizmo

 

[Cowabunga]

Just to clarify the device needed to activated not registered They sent a PIN number to a unlock the gizmo

What bank was that? These things don’t usually need or have a PIN number as they are not specific to any account or user. They are completely dumb and work with any user for that particular bank or any bank that specifies the same device type. I’m surprised that any bank would need this kind of thing activated or indeed registered but admit to not really understanding how they provide extra security otherwise.

Maybe someone knows exactly how they work?

 

[Yorkshire lad]

What bank was that? These things don’t usually need or have a PIN number as they are not specific to any account or user. They are completely dumb and work with any user for that particular bank or any bank that specifies the same device type. I’m surprised that any bank would need this kind of thing activated or indeed registered but admit to not really understanding how they provide extra security otherwise.

Maybe someone knows exactly how they work?

Hsbc. We have to enter a six digit PIN number. The device then generates a six digit number to allow us to log on to online banking
We also have to use the gizmo to register a payee

 

[Cowabunga]

Hsbc. We have to enter a six digit PIN number. The device then generates a six digit number to allow us to log on to online banking
We also have to use the gizmo to register a payee

Yours has the same use as mine but a simpler design. Mine is as below. I have no idea what many of the buttons do and the only ones I use are the ‘respond’ ‘enter’ ‘on-off’ ‘OK’ and number keys. The blurred-out part only has a NatWest logo on mine. Click on the ‘view attachment’ link in the message copied below to view.

its a little reader your bank gives out , how goods your maths? ....its all about Logarithms you see
View attachment 1030096
card slot is at at the top, cant quite see it .
size wise its not much bigger than the card either, quite cute really....

 

[Yorkshire lad]

Yours has the same use as mine but a simpler design. Mine is as below. I have no idea what many of the buttons do and the only ones I use are the ‘respond’ ‘enter’ ‘on-off’ ‘OK’ and number keys. The blurred-out part only has a NatWest logo on mine. Click on the ‘view attachment’ link in the message copied below to view.

Switch it on with green button then enter our pin. Press yellow button to get six digit code
To register a payee again enter our pin to access gizmo then enter last for digits of payee bank account press yellow button to get six digit code to activate a payee
Hope that makes sense
Oh we call device gizmo

 

[Bury the Trash]

 

[Cowabunga]

That’s most helpful. Now we know it’s all down to the seeds.

 

[Simon Chiles]

Next time just pretend to be her. If they question why your voice doesn’t sound as expected tell them that’s a personal matter that is none of their business.

My son informed me the other day that if he needs to sort out something for his wife he just says over the phone that his name is hers, he says in this day and age of wokism nobody dares to question why he sounds like a bloke with a woman’s name and nobody has challenged him about it.

 

[Bury the Trash]

Algorithms

 

[Steevo]

My son informed me the other day that if he needs to sort out something for his wife he just says over the phone that his name is hers, he says in this day and age of wokism nobody dares to question why he sounds like a bloke with a woman’s name and nobody has challenged him about it.

My point exactly!

Glad to hear it works!

 

[Still Farming]

How did Prince Charles's allegedly move 2 MILLION POUNDS in large notes in Fortnum and Mason bags then???

 

[Cowabunga]

How did Prince Charles's allegedly move 2 MILLION POUNDS in large notes in Fortnum and Mason bags then???

He may be single-handedly responsible for the current anti-money-laundering shenanigans that even small businesses that don’t deal in cash have to go through.
The Cash for Charles affair was some considerable number of years ago and, as his spin-master says, “things were different then” .

 

[mf7480]

As the pin sentrys are only an algorithm, why can’t organised crime gangs crack the algorithm? They all use the same algorithm, as any card reader works with any bank card

 

[Cowabunga]

As the pin sentrys are only an algorithm, why can’t organised crime gangs crack the algorithm? They all use the same algorithm, as any card reader works with any bank card

Because they use a four number seed for a random number generator in some way. See the video above, which I don’t fully understand. Or if a standard PIN number on a credit card, they need the name on the card, the expiry date, the security number on the back plus the PIN, all of which is obtained by subterfuge I guess. Increasingly common is yet another security stage with a messaged security verification number that is sent to the card owner’s registered mobile phone.

So can criminals crack the code and use a card without first finding the PIN number? Well yes, using the touchless method which has a £35 limit but recently raised to £100 I believe.
Far safer to use your mobile phone to ‘contain’ your card because this will require the thief to crack the access code to open the phone plus another code/fingerprint/facial recognition to authorise the transaction. The thief SHOULD fail at the first hurdle if you have used an obscure and unique code of five characters or more, NOT 1234 or child or pet’s name or, lord forbid, your own name.

 

[robs1]

Would it not be easier if the government issued special guaranteed credit things that people could just give to businesses when they bought things, they could contain special security details so they couldnt be copied easily, they would work when computers crashed they wouldnt require anyone to remember codes or having to find silly little machines to activate them, not sure what we could call them though.
Perhaps Customer Activated Shopping Help.
That's a bit long winded so just use the abbreviation C,A,S,H
No stupid idea will never catch on far too easy.

 

[Dry Rot]

I was with the Bank of Scotland for 40 years. I changed when it was clear the BoS were tring to force me to use online banking. Not one word of thanks for being a customer for all that time. Moved back again after a decade or so when the local branch of the Royal Bank of Scotland closed. No bank statements after the move. I'm deaf so I don't do phones.

I wrote two letters, both delivered by hand but after hours. Both ignored. Finally, my patience snapped and I phoned them (yes, I can when riled!). Apparently, they can't read and write any more. Customer service is virtually absence. I had to go through a remote sub-office somewhere. I've heard First Direct are good and initial contact has been promising, but it is all online which I am suspicious of. (Yeah, I know, but I'm old with twitchy fingers). Any thoughts? At least they seem to employ humans.