OT paging Champ

remember what you said about the stolen data that included bank details?

Seems Jeremy Clarkson held the same view...

http://news.bbc.co.uk/1/hi/entertainment/7174760.stm

 

So another pompous arsehole gets his due.

<snigger>

 

I have adopted a new approach to some threads in ukrm... Wait long
enough and some other **** will do the typing for you.

Ta.

As is your prerogative.

 

Someone in the bank probably fucked up, so you'll never here how it
really happened.

 

It's easy - the DD was either set up online, or, by paper with a
forged signature.
You don't honestly believe the banks checks each and every signature
on each and every document to any level of detail, do you? In which
case, email me your bank account number and sort code.

As an example, over the last year, my missus has filled out and signed
documents "on my behalf" [1] to go to the companies that won't accept
and electronic version of the document.


[1] ie with an approximation of my signature.

 

I paid in an Asda in Scotland with SO's French credit card a few years
back, and as there was no 'PIN' entry facility at that time, I had to sign.
It was only later that we realised I'd signed my name on a chit produced by
_her_ card.

We never heard anything of it, and the money was duly debited from her
account.

D.
--
des
French Biking Vocabulary: http://minilien.fr/a0kg0p

'Kaiser: "Can you prove to me the existence of G-d?"
Bismarck: "The Jews, your Majesty. The Jews"'

 

I dunno. All you need to create a Direct Debit is the account name,
sort code, bank address and account holder's name and address. Very
few seem to demand a signature these days, certainly the ones I set up
recently for various insurance and utility bills didn't when I created
them online.

Obviously, as Champ has pointed out, the Direct Debit Guarantee will
ensure that the person gets their cash back in the case of a
fraudulently set up debit, but it doesn't alter that its possible to
set them up.

 

ITYM someone in the bank did it to show him up
--
| ___ Salad Dodger
|/ \
_/_____\_ GL1500SEV/CBR1100XXX/CBX1000Z
|_\_____/_| ..93550../..25068.../..31928.
(>|_|_|<) TPPFATUICG#7 DIAABTCOD#9 WG*
|__|_|__| BOTAFOT #70 BOTAFOF #09 PM#5
\ |^| / IbW#0 & KotIbW# BotTOS#6 GP#4
\|^|/ ANORAK#17 IbB#4 YTC#4 two#11
'^' RBR Clues: 00 Pts:0000 Miles:0000

 

Perhaps he can hit them with a copy of Don't Stop Me Now, which - for
it's size - is an incredibly heavy book...

 

UKRM in 'Champ talks utter gobshite' non-shocker!

D.

--
des
French Biking Vocabulary: http://minilien.fr/a0kg0p

'Kaiser: "Can you prove to me the existence of G-d?"
Bismarck: "The Jews, your Majesty. The Jews"'

 

AUDDIS? Which is awesome as it puts the responsibility to check
signatures and ID back onto the provider with which the DD is being
set up.

no more so than the former.

and so the argument morphs. Originally, "you can't do anything adverse
with a bank account and sort code" to "Well you can, but why would
you".

FWIW, I'm mostly there with you on the "why would you" point, but I'll
not be leaving my bank details lying around all the same.

 

APACS?

 

Many of whom have absolutely no way of corroborating said identity.
Fabulous.

More than I'd like, but less than most, I suspect.

I don't have Switch, or Delta cos I've been out of the UK.

From NL Bank, I have a Maestro based card, which doesn't have a long
number, it has the account number only. You also need the PIN and a
gizmo to make customer not present payments - something I've noticed
some US banks starting.

On my NL credit card, there is only a standard form number, but you
are of course protected by the credit agreement.

My US Bank is a Debit Mastercard affair, and has a long number that
does not relate to the bank account number.

My US Credit Card is Amex, so long number, no account details, and
covered by credit agreements.

Not to mention that they'll let people write their cheque guarantee
number on the back of it! I don't think I've had a cheque book for
more than 10 years,

....but you're right, most people don't have any idea how often they
leave important numbers lying around.

 

But it wasn't a private individual that colected the moeny, it was
Biabollocks UK wasn't it?

--
Beav

VN 750
Zed 1000
OMF# 19

 

Hmmm indeed. I was back in Bangor over the weekend, and had the opportunity
to listen to a little local radio. BBC Radio Ulster was doing a piece on
credit card debt, and was taking calls from listeners. One sanctimonious
old biddy called in to say, "I'm calling to take issue with your previous
caller, who said everyone has a credit card in their pocket nowadays. I'm
calling to say that I don't have a credit card, I don't want one, and I
would never have one, and I would certainly never even dream of spending
money I didn't have." The presenter, clearly choking back the bile, made
some palpably synthetic sympathetic noises, and mumbled something about how
so few places took cheques nowadays, to which the dreadful crone retorted "I
don't have a cheque book either," and kicked off some interminable homily on
the evils of fiduciary indiscretion.

"OMG," I thought, "it's TOG's granny."

 

4ax.com:

<penny drops>

so that's why that **** from Sutton insists on payment by cheque ... it's a
good job I sent him one from a third party

 

Good on 'er says I, long may she pickle herself in gin.

 

<worried now>

 

Jeremy Clarkson, mayhap?

 

right. you don't usually hand over your address for trivial transactions,
which is the ony missing piece needed for the direct debit fraud, but
you usually supply this data at the same time for any transaction that
requires a delivery.

the banks really are well behind the curve here. they need to introduce a
new, secret piece of information, known only to the bank and to you (a
password, if you want). this information *cannot* be required for any
3rd party transaction, but *must* be supplied directly to the bank by
you as confirmation of any instruction. so basically, no 3rd parties can
helpfully set up a direct debit on your behalf. this limits any fraud to
yourself and bank staff.