in my daily dealings with creditors I have found that MBNA never anymore ask any security questions - they just go straight into ask my name and then go into the call
when I asked them why they didnt ask a security question they said they dont have to for outgoing calls ?
I thought that the data protection act stipulated that - maybe I am wrong
I know it is my mobile - but they siometimes phone work too - but as it is my direct line I always answer
I have not to be honest. Normally any firm when you ring them or they ring you, you always have to go through a security check to confirm your identity. Very worrying that these people do not!!!
I thought any firm had to go through security with you before discussing your account. Even Specsavers did this when they wanted to talk about my contact lens account!
They're not supposed to speak to anyone but you, and I have always had to jump through hoops before anyone will discuss anything with me about my account.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
With the AA last year, even though the direct debit for my daughters membership came out of our bank account, they wouldn't let me change the details as the membership wasn't mine! Wouldn't mind, but I was allowed to start it for her! Daughter had to give them permission to speak to me!
Last edited by kallis3 on Tue Jan 27, 2009 1:08 pm, edited 1 time in total.
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
The girl at MBNA collections was quite clear with me that for outgoing calls to personal numbers I have given they do have to verify identity apart from asking my name .
She made some remark about people impersonating me wouldnt be their fault
They also now use private numbers as opposed to 0800 numbers that you can phone back on . She alos told me that if I went 3 months into arrears it would be impossible to enter an IVA !
I think that with the eye of the goverment else where some creditors are quickly falling back into some of the more sharper work practises that they have always employed
Usually it's your date of birth as well as your name, plus your address sometimes.
I can accept that if someone knows the details that they ask for, then obviously MBNA will think they are talking to you, nothing you can do about that.
What a load of tosh about not being able to do an IVA! They really haven't a clue what they are talking about!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi
This is where collection calls should be monitored by the various credirors. There is so much wrong information and threats given out by untrained staff.
If you are in "the know" then it is not a problem as you can just shrug it off but there must be thousands of people who believe all that they hear
Regards
absolutely Andy - the problem being is that all collections dept are run like pressured call centres with targets for getting money in - so all they care about is persuading you to make a payment
I did laugh when she told me about my prospective IVA status. I asked her if she was a qualified IP now that she had started to give me Insolvency advice - her answer was how did I know she wasnt !
anyway I suppose this is just what you have to deal with along the rocky road of being in debt .
I think I'd have said that she wouldn't be working in a crummy call centre if she was!
With apologies to anyone who posts on here who works in a call centre!
Sharing from experiences of dealing with debt
The greatness of a man is not in how much wealth he acquires, but in his integrity and his ability to affect those around him positively.
Bob Marley. http://kallis3.blogs.iva.co.uk
Hi All,
I had a similar problem with Halifax, my son answered the phone and by the time I took the phone from him they were already discussing overdue payments....he is 7 years old. They obviously did'nt ask any security questions as when I took the phone the lady was already in full flow of her rants. When I tried to speak she just spoke over me, it was obvious she was just reading out from a page in front of her. They are by far the worst of my creditors and have already sent warnings of collection department visits. If it was'nt for advice from Melanie's team I would be a total wreck now.
If it were me and they rang I would refuse to speak with them if they did not ask the security questions and state that until you were happy with their credentials as a company you would not be able to confirm whatever it was that they wanted 1
Sharing from experiences of dealing with debt
There is a solution for everyone .... Just need to stay positive !
Halifax still ring me 10-15 times a day, I answer, don't speak, then put the fone down. (it spoils their call conversions) I know that because I work in a call centre.
As for security questions, I thought all businesses covered by FSA regulations have to do DPA questions before discussing financial matters. We have an outbound dept, they are definitely regulated, and all our calls are recorded.
