bigjohn

There is many a good tune played on an old fiddle.

  • Warning! Elderly Person Blogging

    elderly1.jpg

    Creative Commons License
    This work is licensed under a Creative Commons License.

    t-blogger.jpg

    lion-2.jpg

  • My Life and Times

    I was born in 1939 BC.
    That’s ‘Before Computers’.

    Luckily I survived the following events in my life, such as

    World War II, The London Blitz, Rationing, and worst of all… Archbishop Temple’s School.

    me-poster.jpg

    me-r-book.jpg

    a-b-t-1.jpg

    During the mid 1950s I was enjoying Rock ‘n’ Roll and being a first generation teenager, when suddenly, just like Elvis, I found myself in uniform during ‘The Cold War’…and then

    copy-me-rr.jpg

    me-w-badge.jpg

    wed-baby.jpg

    I became ‘a family’. Which meant that I sort of missed the ‘swinging sixties’, but still managed to look a complete prat in the 70s, just like everyone else.

    copy-of-70s.jpg

    me-pit.jpg

    golf-dinner.jpg

    During the ‘Thatcher Years’ I lost my hair and a lot of people lost a good deal more. My career fluctuated to say the least as I was demoted, promoted, fired and hired a number of times, but still I managed to stagger on into a welcome retirement and to celebrate 56 years of happy marriage.

  • February 2011
    M T W T F S S
    « Jan   Mar »
     123456
    78910111213
    14151617181920
    21222324252627
    28  
  • Meta

  • RSS Validated.

    valid-rss.png
  • Enter your email address to follow this blog and receive notifications of new posts by email.

    Join 556 other followers

What else do they know ?

Posted by Big John on February 3, 2011

Back in 2008 I published this post about my credit card details being stolen. Well ! .. It’s happened again, but this time my bank managed to block the transaction when some scumbag tried to use my card number to place a £1,000 ($1,500) bet with an on-line casino.

The fraud department at my bank cancelled my card and issued a new one within a couple of days, so no great inconvenience was caused, that is until I tried to make an on-line purchase using it and was greeted with the message “card not accepted” and a request to telephone a number and quote a code reference.

I called the number and found myself speaking with a lady at the bank’s fraud office again. We exchanged various bits of routine ‘security’ information about my account, such as recent purchases and payments, to establish that I was who I said I was. Nothing unusual in that, but what came next was; for she then told me that she now needed to ask me further questions to establish my identity. She said that only I would know the answers to these questions and that the information about me was based on my … “credit rating” ! … What bleed’n credit rating ? … I never knew that I had one !

I won’t go into the exact details of her questions, save to say that they involved aspects of my private and family life during the early 1990’s !

…. Now that’s bloody scary ?

Advertisements

5 Responses to “What else do they know ?”

  1. rummuser said

    I had a similar experience but I called up the issuing bank and had to go through their automated system which is frustrating beyond imagination. Since I had to get details from various sources, I had to keep ringing up the system four times before my problem was solved. Yes, the questions that they ask are scary indeed.

  2. Grannymar said

    I know somebody that had that happened to them. The withdrawal was made from the original stolen and cancelled card and the Bank let it through eight months after cancellation!!!! My friend only discovered it when going through a bank statement. Eventually after many calls and hard work by my friend, the bank sorted it. Guess what my friend did then? She changed banks!

  3. Big John said

    You gave me a laugh Rummuser with your reference to going through “their automated system”. Here in the UK we often finish up by talking to someone at a call centre in INDIA ! 🙂

  4. Everyone who has had a bank account or a credit card or has bought on deferred terms has a credit rating. How else do you think the credit card company decides how much credit to give you?

    If you have ever taken out a contract on a mobile phone, for example, and had to wait while they validate your account, what did you think they were doing? Knitting socks? Making tea? They were checking your credit rating, of course.

    You can find out your credit rating and similar details by using the services of one of the credit agencies but – guess what? – yes, it will cost you money to do so.

    It might be worth doing so if, for example, you find yourself being refused a credit card or a mobile phone contract. It is not unknown for the credit rating of two people with similar names to become confused, so you could be regarded as a bad risk if your rating were confused with that of someone with bad debts.

  5. Big John said

    Wow ! Thanks for all the comments Tiger. So nice to be in contact with you again and have your most welcome and informative opinions on my ‘grumpy old git’ ranting. 🙂 Sorry some comments were delayed by my spam blocker.

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s

 
%d bloggers like this: