£1 charge to credit card for fuel?


U

Uncle Peter

In view of the security risks perhaps they should consider destroying
statements before discarding them.
I don't. I see it as the banks problem not mine.
You still need to show a debit card if you use it in most overseas
countries.
What?
 
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C

Chris Blunt

I don't. I see it as the banks problem not mine.
It would be your problem if those documents were use in some kind of
identity fraud.
If you use your debit card to make a purchase in a country where they
don't have the chip & pin system you need to hand your card to the
cashier to process the transaction. That's why it's better not to show
your full account details on the card.

Statements are for your personal reference only and don't normally
need to be shown to other people. Once you've finished with them you
either store them in a safe place or destroy them.

Chris
 
C

cl

Chris Blunt said:
Statements are for your personal reference only and don't normally
need to be shown to other people. Once you've finished with them you
either store them in a safe place or destroy them.
Except of course the myriad companies that demand copies of things
such as bank statements as ID.
 
S

Stephen Wolstenholme

If you never use it, how would you lose it?
It's easy to lose things regardless of their use. It could be "lost"
just because I can't remember where I last put it.
Many people do, so why do the banks put so much details on them?
I have two bank accounts that are paperless - they cost nothing. If I
want paper it costs £15 a year in bank charges. Most banks hide that
small detail. All the details are all available online.

Steve
 
C

Chris Blunt

Except of course the myriad companies that demand copies of things
such as bank statements as ID.
I'd be reluctant to supply anyone with a bank statement that contained
such private and confidential information.

A bank statement is not proof of identity and is never asked for as
such. What they are looking for is proof of address, and for that a
utility bill or council tax bill is usually acceptable.

Chris
 
U

Uncle Peter

It would be your problem if those documents were use in some kind of
identity fraud.
Banks protect people from identity fraud. In fact on several occasions I've received a phonecall during an unusual purchase to make sure it's me. If I hadn't have authorised it on the phone, it would have failed.
If you use your debit card to make a purchase in a country where they
don't have the chip & pin system you need to hand your card to the
cashier to process the transaction. That's why it's better not to show
your full account details on the card.
I had to do that here once when the chip failed. She looked at my signature on the receipt, then at the back of the card which wasn't signed (I think either I'd forgotten or it had rubbed off). She said my card must be signed, so I signed it. She actually had the stupidity to check the two signatures matched!
Statements are for your personal reference only and don't normally
need to be shown to other people. Once you've finished with them you
either store them in a safe place or destroy them.
Like I'm going to bother buying a shredder just for that. They go in the blue bin with the rest of the paper.
 
G

Graham.

You're not supposed to let people see your card. If you lose it you phone the bank immediately. Which would be well before a DD could get going.

And what about statements? They're covered in details, much more than your card, and they get thrown out when the next one arrives. I doubt many people bother shredding them.
Can you point me to any banks T&C where it states that no one can see
your card?
 
U

Uncle Peter

Can you point me to any banks T&C where it states that no one can see
your card?
Well you wouldn't leave it on your car dashboard would you?
 
U

Uncle Peter

It's easy to lose things regardless of their use. It could be "lost"
just because I can't remember where I last put it.
Lost in your house isn't lost in the hands of a criminal is it? If it'shardly used, it isn't taken where it could be misused.
I have two bank accounts that are paperless - they cost nothing. If I
want paper it costs £15 a year in bank charges. Most banks hide that
small detail. All the details are all available online.
I think I'd notice a £15 charge! They do pester me to go paperless, but I don't bother unless I get an incentive. I think Barclays gave me £10 to do so.
 
C

Chris Blunt

Banks protect people from identity fraud.
They try to, but you were complaining because they didn't print the
full bank account details on debit cards. Do you want them to expose
your personal information or not?
In fact on several occasions I've received a phonecall during an unusual purchase to make sure it's me. If I hadn't have authorised it on the phone, it would have failed.


I had to do that here once when the chip failed. She looked at my signature on the receipt, then at the back of the card which wasn't signed (I think either I'd forgotten or it had rubbed off). She said my card must be signed, so I signed it. She actually had the stupidity to check the two signatures matched!


Like I'm going to bother buying a shredder just for that. They go in the blue bin with the rest of the paper.
It's up to you, but I bet if someone stole your account details and
used them fraudulently you'd be the first to blame everybody except
yourself and your own carelessness.
 
U

Uncle Peter

They try to, but you were complaining because they didn't print the
full bank account details on debit cards. Do you want them to expose
your personal information or not?
I don't regard it as personal information. All you can do with a sort code and account number is pay ME money.
It's up to you, but I bet if someone stole your account details and
used them fraudulently you'd be the first to blame everybody except
yourself and your own carelessness.
I'd blame the person who sifted through my blue bin, because he'd be a criminal.
 
U

Uncle Peter

They try to, but you were complaining because they didn't print the
full bank account details on debit cards. Do you want them to expose
your personal information or not?
I don't regard it as personal information. All you can do with a sort code and account number is pay ME money.
It's up to you, but I bet if someone stole your account details and
used them fraudulently you'd be the first to blame everybody except
yourself and your own carelessness.
I'd blame the person who sifted through my blue bin, because he'd be a criminal.
 
C

Chris Blunt

I don't regard it as personal information. All you can do with a sort code and account number is pay ME money.
Those were the exact same words Jeremy Clarkson famously used when he
published his account details in a newspaper column after dismissing
the significance of the government losing confidential computer disks.
Someone fraudulently set up a direct debit on his bank account and
took £500 from it.

http://news.bbc.co.uk/2/hi/7174760.stm

It was probably publicity like this that prompted banks like RBS and
NatWest to review their security and remove the account number from
debit cards.
 
U

Uncle Peter

Those were the exact same words Jeremy Clarkson famously used when he
published his account details in a newspaper column after dismissing
the significance of the government losing confidential computer disks.
Someone fraudulently set up a direct debit on his bank account and
took £500 from it.

http://news.bbc.co.uk/2/hi/7174760.stm

It was probably publicity like this that prompted banks like RBS and
NatWest to review their security and remove the account number from
debit cards.
I could name 5 small companies that have their bank details on their website to take payments. Surely you need to know personal things about the person to set up a direct debit? In fact you're supposed to have a signature....
 
C

Chris Blunt

I could name 5 small companies that have their bank details on their website to take payments. Surely you need to know personal things about the person to set up a direct debit? In fact you're supposed to have a signature....
Obviously that isn't always the case. Did you read the story in the
link I provided?

All the details you need are right there on most debit cards. Name,
account number, sort code, and signature.

http://www.bto.org/sites/default/files/u34/MembImages/DD instruction.jpg
 
A

alan_m

What they are looking for is proof of address, and for that a
utility bill or council tax bill is usually acceptable.
I could produce a utility bill of my own with around 30 minutes of work.
How is a bill proof of address?
 
S

Stephen Wolstenholme

I could produce a utility bill of my own with around 30 minutes of work.
How is a bill proof of address?
It isn't proof but it's a good indicator in most cases, especially if
it's an original bill. I realise it's easy to fake utility bills if
the right sort of paper is available but most people only have desk
jet or laser printer paper.

Steve
 
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C

Chris Blunt

I could produce a utility bill of my own with around 30 minutes of work.
How is a bill proof of address?
You'd have to put that question to the companies who ask for them. All
I'm saying is that utility bills are widely considered acceptable as a
means of proving your address.

Of course fraudsters are able to forge all kinds of documents, but
even a genuine one doesn't really prove anything other than the fact
that you're able to get access to mail addressed to you there.

Short of stationing an investigator in front of the building to
monitor your coming and goings it's hard to prove that somebody
actually lives at an address. For example, I have a BT phone line
installed in my mother's house in the UK which is in my name, but I
actually live almost 7,000 miles away in SE Asia.
 
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