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You can now change your notification sounds by going to this link https://www.consumeractiongroup.co.uk/index.php?/&app=soundboard&module=soundboard&controller=managesounds

 

You can find a library of free notification sounds in several places on the Internet. Here's one which has a very large selection https://notificationsounds.com/notification-sounds

 

 

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    • As a former NHS manager in a mental health trust... I agree 100% with the actions recommended by stu007.  And I would make especially clear in your letter(s) of complaint that you are extremely concerned about the whereabouts of any confidential letter that was intended to be sent to you in the handwritten envelope.  (Indeed, the fact that a handwritten envelope addressed to you was used would suggest to me that they definitely had something to send you.  It also sounds a bit odd to me that the envelope was handwritten).   As well as complaining in writing to them, I'd contact the clinical team by 'phone first thing on Monday, explain what's happened and tell them to ensure that any confidential information about you that has been sent to a third party must be recovered immediately, and you want confirmation of that.  Well that's what I'd do - see if others think it a good idea or not.  If that had happened at my trust, heads would roll.   There's another poster on these boards called "think about it".  They're involved (I think) in GP practice management and may have some comments too about patient confidentiality.   Oh - I think I would include a photocopy of the handwritten envelope in my complaint to the trust and the ICO.   (I've got to ask - can you say what trust it is?  Don't say if you don't want to.)   EDIT:  And well done for contacting the other person to tell them what's happened.  You did the right thing
    • Hey, thank you very much again for your replies!   - We go to the branches and ask for business accounts, but as I give them my personal name they register them as sole trader accounts in their systems, regardless of my company name being on the agreement.  Suspended our services for high volume messaging -- that is not explicitly covered in terms and conditions Send us letters referencing wrong terms and conditions that we did not sign Terminate the contract and come with a random balance number. We argue unsuccessfully, but they don't follow up with the requested deadlock letter. Pass our account to Lowell in 2017 I pick the account back up when I notice it is affecting my credit file in 2020 I work on the case for about three weeks and file a complaint with CISAS I give Lowell my contract and they see it is my company's name on it so they pass it back to Vodafone Vodafone wants to settle my account quoting they should not charge me anything on the first place and they offer £250 as a compensation for distress. I mistakenly accept the offer because of confusing wording and thinking that the third party adjudicator was already involved in the case, although they would basically get involved on the later stage.  I make a complaint as per CISAS and try to reverse the settlement in the system and have third party adjudicator having a proper look into my case and hopefully reward me a much fairer compensation for all the damages.    I have made a SAR request with both Vodafone and Lowell so far, but still waiting for the Vodafone to send it.    I am now waiting for CISAS to respond, but because I am still upset how much damage this has caused me I am considering taking them to small claims court.  For that I am researching what are the acts I would have to reference in that case.   Obviously Consumer Rights Act 2015 and then Data Protection Act 2018 and perhaps some acts regarding entering into contractual agreements -- can you help with that maybe?        My main concern at the moment is to how to express claims well in a legal language, because £250 they offered feels just patronizing given that there has been everything clearly written in black and white, yet I have had to go though this damaging and humiliating experience. 
    • Cooling off periods do not apply to faulty items. The cooling off period relates to a distance purchase of an item which is of satisfactory quality. Where an item is faulty then it become subject to the rules under the Consumer Rights Act
    • I understand the cooling off period for online purchases, but this is a little different due to the item being collected/paid in person.    A used item was recently sold by auction on eBay. The seller inspected, paid with cash and collected the item in person.    The buyer is now claiming the item to be faulty.    If this transaction was completely remote and the item posted, I would absolutely expect the buyer to be entitled to a refund.    But as the transaction happened in person would the point of the money changing hands be when the contract is made? Therefore not giving the buyer any cooling off period?   I think this is the key information; Used item Paid in person Working when collected Private sale   Thanks!
    • This article has some useful information on how things are working during the Covid crisis.   https://www.theguardian.com/money/2020/jun/06/a-guide-to-probate-everything-you-need-to-know   HB
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JimmyTheOne

CHIP & PIN Fraud Alert

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Remember MP3's being used to capture consumers card details and PINs at stand alone ATMs?

 

Here's the latest wheeze - Chip & PIN Fraud Alert.

 

You're supposed to keep your PIN secret - difficlut when someone like this takes advantage of OAPs.

 

I wonder if the OAP victims will be accused of being negligent with their PIN?

 

Or I wonder if card issuers will have the decency to offer them Chip & Signature Cards? They may even tell consumers that Chip & Signature Credit Cards are an option for anyone?

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Complaints to the Ombudsman relating to credit card fraud have risen by about 20% since last April. This follows an increase of 40% in the previous financial year.

The concern now is that banks and credit card providers are using the pin-encryption on cards to shift the blame for fraud onto the customer. If a PIN has been used to extract funds, banks might assume that the customer has acted negligently and is therefore liable for any losses.

 

Story Here.

 

FT (Gist)

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I know two people who have had their PINs compromised and money taken; 'twas a few months ago. The line from the banks concerned was basically: "You must have left your PIN lying around, you naughty customer you. Oh dear, we can't even trust you with a four digit number. Be more careful next time. By the way, no refund." Makes your blood boil; we knew that this was just a loophole to be exploited to the banks' advantages when the system was first being talked about. Sometimes it's nice to be proved right; in this case, I would much rather have been wrong. :Cry:


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Click the scales if I've been useful! :)

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OAPs are well advised, indeed everyone else to restore the balance of security had get a Chip and Signature card with all speed.

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I keep meaning to, it's on my never-ending list of Things To Do. I've only got the one, and don't like it.


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Click the scales if I've been useful! :)

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Do be aware of the Gotcha - if you use your card for ATM witrhdrawals, the removal of the PIN from the chip, ALSO results in the removal of the PIN from the Mag stripe, so it'll be supermarkets for cash witrhdrawals. Who would have thought their 'sig' solution would have been so half-baked!

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AIM: To minimise the RISK of becoming a plastic card fraud statistic. Where, if you are a victim, you're not beleived that you haven't been careful with your PIN.

 

A suggested remedy:

 

Any card that has a VISA/MasterCArd/Eropay etc logo - can be used with a PIN in a shop - Bin the PIN and replace these cards with Chip & Signature Cards. All Credit Cards - is a must - no PIN.

 

Solution: Keep one card with a PIN - preferably a banks own savings account card. Keep small amounts of cash in this account and transfer money into it if and when needed: (These types of cards can't be used in shops).

 

OR use only one PIN with your Debit Card. Lloyds TSB for instance provides customers with a Debit card that has a PIN factily for ATM withdrawals but cardholders continue to sign in shops.

 

Why change all your cards to operate with the same PIN when you don't need have PINs for these cards in the first instance?

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