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Account number and sort code
[Deleted User]
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I've given someone my account number and sort code to make an online transfer into my account, but to my suprise, they've actually gone into a branch and paid it in directly through a teller, which has left me wondering, what else is possible if you have someone's acc no and sc? Could you withdraw also? :eek:
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I think some form of ID is meant to be necessary BUT, when I worked for a hairdressers a few years ago, I was in the bank daily, one day I forgot my ID and they let me withdraw some money - I presume this was because they recognised me but I'm pretty sure it will have gone against their security policy.
No, but you can setup direct debits which go through without any checks, particuarly if its a company which uses the paperless dd system.
No. My bank always asks for my card before I make any withdrawals or transactions. And usually ask me to sign a slip too.
Doesn't it require a signature? Surely they check that?
Apart from the nigerians of course.
The thief used it after you cancelled the card?
Q. How can I be sure my account is safe from fraud?
A. It's very unlikely that this will ever occur because companies using Paperless Direct Debit go through a careful vetting process before they're authorised and are closely monitored by the banking industry. This means they're checked for integrity, sound financial standing and administrative capability before being permitted to offer Direct Debit as a payment method. However if money were to be drawn from your account fraudulently you'd be protected by the Direct Debit Guarantee and would be entitled to an immediate refund from your bank.
Typical
No.
For the last few years, the majority of direct debits have been set up by the originating companies & the banks never see the signed authorities (if indeed they exists).
However, direct debit initiators are stringently vetted before they are allowed to participate in the scheme, so when (not if !) mistakes are made, the banks are confident that they can recover the money.
The banks therefore provide their customers with a "Direct Debit Guarantee" which promises to re-credit their account if an amount is incorrectly claimed.
No he (I assume) used it before I got the card cancelled. He forged my signature (twice at the same counter). I thought you still had to have ID but I may be wrong about that.
The person who did it should be identifiable on CCTV.
Still there was only about £250 in the account and that should have been the limit of my losses. The bank then allowed an overdraft and gave away another £250 at another branch.
I expect the bank to repay the money but I guess it will be a while.
Fortunately the thief did not many to do anything with the other cards.
I can very that 100%. I actually thought that my signature would be impossible to forge convincingly.
I will not be carrying a card with my signature ever again.
Then someone steals that and signs it himself and doesn't have to worry about trying to copy yours. Plus if you use your card somewhere and it has to be signed for it won't be accepted without a signature.
i had a problem a couple of years ago where someone i was sharing a house with got hold of an old atm card and walked into a branch in liverpool and drew out £300 out of my account, now the thing is i was in a branch in manchester at near enough the same time withdrawing money over the counter and i had my passport for ID, yet noone noticed the two transactions in two cities at virtually the same time, i eventually got the money back after 6 weeks, and i have left that bank now, but i would never give my bank details to anyone now
No I was not suggesting carrying an unsigned card. I was suggesting carrying only cards that do not require signatures.
Like what? I've only ever had cards that have signitures.
In the days of chip and pin they are a bit reduntant anyway.
Disagree most [if not all] cards that are ATM withdrawal card or debit/credit card have a signiture strip aswell as a chip. Not all stores are Chip&PIN in the UK yet and especially abroad most places are signiture
I got a pen out and went to sign it and she said 'Sorry, I can't accept it, if I've seen you sign it' :mad:
So I bent down out of sight, signed it, then stood back up and she took it!! hehe - The mind boggles.
Well name 1 then. Chip&pin have signiture strips still.