This morning I received a phonecall from a Private/Witheld number with someone saying they were calling from Abbey National in relation to recent purchases on my current account. In order to pass security they wanted me to hand over a load of information such as Date Of Birth, Mothers Maiden Name etc. I informed them that I wasn’t willing to give this information as I had no proof of they were who they said they were, especially with the current problems I am having.
Because of this, they said they would have to block my card until I phoned them back to confirm the payments which is fine if a little inconvenient. It made me think, why don’t banks have a challenge and response system in place? So when Abbey phone me, in order for them to verify themselves, I ask them a question that only Abbey know the response to? Surely this would make communication a little more secure?
I was put on hold for 10 minutes and as per usual was told they ‘are busy helping other’ and thanking me for ‘being so patient’. Eventually I get through to someone and explain I have been asked to check some recent transactions with them. Sadly, I was told that their internal systems are offline again and I would have to call back in 1hr. In the meantime I am once again stuck without any money.
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