Who elses would be answering my phone?

[Munroast]

indeed - if someone phones me I will be putting them through security, and if they can't or won't answer my questions the phone goes down

 

[securespark]

and the day they ring and you are going out of your way to annoy them when they say to you, we are just ringing to let you know that someone in India is just about to make a withdrawal so just checking that it is you, we will authorise the withdrawal thank you for your time, bye and hangs up, you might want to re think that strategy.

It's odd that you think that I'm going out of my way to annoy them.

Number one, I'm not.
And I'm sure once their teams listened to the tape they would understand that customers are getting more scam aware.

Number two, they would just block the card. They wouldn't waste time ringing me up. I know this as it has happened before.
They are very sensitive to what they "see" as dodgy transactions and block the card immediately.
And I'm quite happy with that set up.

 

[IT Minion]

Then why trust it for third factor ID?

You can answer a phone call if the phone is locked.

 

[Harry Bloomfield]

You can answer a phone call if the phone is locked.

Good point!

So we need a list of potential questions then, to ensure the caller, is a genuine caller, rather than a scammer?

Talking of scams - I have just received a text, pretending to be from Royal Mail, wanting me to 'donate' £1.99 to redeliver a failed delivery, from a mobile number.

 

[IT Minion]

If it's not a call you were expecting them ask them to send you an email or tell you where you can find a number to call them back on.

 

[Harry Bloomfield]

If it's not a call you were expecting them ask them to send you an email or tell you where you can find a number to call them back on.

A call from my insurance broker wasn't entirely unexpected, but what threw me, was their unwillingness to explain what they were calling about. Had they simply mentioned it was in regard to updating my email address, I would have been fine.

 

[ebee]

What questions did you ask?

Broadly similar to the type of questions they might ask and with a "probability" than its likely genuine more so than not. Not fool proof by a long shot but gives some reassurance though.
It was quite amazing that my vice versa approach seemed to have never occurred to them as being fair and reasonable in the circumstances however once Iponted out my views the cappie actually agreed with me and I think it got him thinking as to why other customers do not repond similarly, he did say he would be thinking about using the same answer in his private life if anyway rang him in a similar manner as a sauce for the goose being sauce for the gander type of approach.

 

[MNW67]

Broadly similar to the type of questions they might ask and with a "probability" than its likely genuine more so than not. Not fool proof by a long shot but gives some reassurance though.

Can you give some examples?

 

[securespark]

The reason I'm interested is because whenever I try this (apart from the "what day of the week was I born on?" question), I get no can do, data protection....

 

[ebee]

Things like my middle name if I have one, the approx date I had the existing one (if I had actually had the one in front of me (which I did not) then I would have asked for every other letter on the ident number, date of commencement etc, things that they are more likely to know than not know if they were genuine, they usually allow around three questions to verify and would think of say 3 to verify them in return. I think it did initially irritate the caller but then came round to my way of thinking as a reasonable response and he saw the logic behind it, in other words he saw it from my point of view being as acceptable and reasonable as his organisations point of view.

Must admit sometimes take these stances with officialdom and large firms etc thinking they have all the clout and you have none whereas that is not the case.
A very common example is a large firm like a holiday firm or an insurance firm thinking they can add terms/alter and agreement, they are quick enough to hide behind T & Cs for their own use but do not like it when you do likewise, the obvious one is adding a term once the ticket is issued in a car park and then add a term on the receipt , not valid, the contract is closed, one party can not add any term without the consent of the other. How many times have you seen an extra condition added this way?

 

[MNW67]

Things like my middle name if I have one, the approx date I had the existing one (if I had actually had the one in front of me (which I did not) then I would have asked for every other letter on the ident number, date of commencement etc, things that they are more likely to know than not know if they were genuine, they usually allow around three questions to verify and would think of say 3 to verify them in return. I think it did initially irritate the caller but then came round to my way of thinking as a reasonable response and he saw the logic behind it, in other words he saw it from my point of view being as acceptable and reasonable as his organisations point of view.

I had totally misunderstood

I thought you were asking the caller for their personal information.