nationwide internet banking

linkuk wrote

The only time(s) I had failed in access attempts was when I made errors in one of the several entries required to gain access. Sometimes I was SURE I had got the details correct, but I know that I must have miss-typed, and there is no way you can tell as you type, because the digits are hidden as asterisks!

Take a look at your post and note how many typing errors you made, and think again. :-)

Re-registration was a solution, I suppose.....

waht a losd of sjut

"> The only time(s) I had failed in access attempts was when I made errors

I didnt rule out mistakes but when i have the details in front of me and take special care it just seems unlikely. (after having done it daily for months) The fact they found two references against me just makes me suspicious, along with the fact that even the card had been blocked. Re-registration was in the end the option i chose but customer support didnt even suggest that. When i asked them should i keep trying to log in they just said "thats up to you". I dont think she knew the answer and chose to just keep saying it wasnt a technical problem rather than have it investigated. I remain locked out till letter arrives in a few days. I will probably change bank because if nationwide cant offer help to thier own customers theres not much point staying.

Gordon. ps.Do you know how many attempts you can try before getting locked out? (they say they dont explain on the website for security reasons but i suspect criminals are one step ahead of banks anyway!)

Blackthorn wrote

hA hA hA#

linkuk wrote

OK, point taken.

I don't know how many attempts, I think I've made two errors before getting in on one occasion. Why don't you try it and let us know, there are a few here with NW, I think. :-)

I would guess three strikes and you're out, but ICBW....

I lost all confidence in Nationwide's customer service after an incident that happened to me a couple of years ago.

I work overseas, and noticed that my Nationwide credit card was being declined every time I tried to use it. I got a bit concerned about it and rang Nationwide to ask why this was. They told me that I had phoned them several weeks previously to request that my card be cancelled and that a new one be issued. I told them I was quite certain that I had made no such request and would have no reason to ask for that to happen anyway. They were absolutely adamant that I had, they told me the exact date that they claimed I had phoned and totally dismissed my denial of doing it. I suggested that if they were quite sure about their facts then there was a strong possibility that some kind of fraud was being attempted. They were completely uninterested in even considering this possibility, claiming that nobody other than me could have passed their phonebanking security checks. They seemed so sure of their facts that I even started to question the reliability of my own memory.

When I eventually got back to the UK I found a letter from Nationwide which they had sent out about 3 months previously. It stated that due to a possible breach of security at an internet web site in the US, they had reason to believe that some Nationwide credit card numbers might have been compromised, and that they were replacing a number of cards just as a precaution. Apparently, mine was among those, and a replacement card was enclosed with the letter.

I find it amazing that the customer service people I spoke to had absolutely no knowledge of this. It just goes to show what a complete and utter load of bo****ks Nationwide will tell you if they don't have a good explanation for a straightforward question.

Chris

I got fed up with their non-responses to letters about a postal account with them recently so I have finally got the balance down to 1k and hope they go public so I can close it.

And I sincerely hope they don't. I specifically chose them (and my mortgage lender) because they are mutuals, and want them to stay that way. There are plenty of PLCs out there, so just leave the freedom to choose.

By 'they' do you mean the single person you spoke to? Although each person respresents the company you have to remember that Nationwide are good for overseas clients as they don't charge for overseas transactions.

Miss L. Toe wrote

I hope that this never happens, I have no time for carpet-baggers. If NW goes public we are all losers. They are the first line of defence for free access to ATMs, for one thing.

Well, I have had an account with them for decades so how do you define a carpet bagger ?

How do you work that out ?

ATMs are not free, they have to be paid for. Who do you think pays for them now and how ?

Maybe you just prefer hidden charges :-)

On the personal data if you get it wrong you can wait about 15 minutes and have another go all day long! On the passnumber (6 digit one that u use the drop down facility) you get locked out after 3 times and then need to re register. If you make iether of these mistakes it still keeps giving you the same message though, it doesnt tell you call customer service as youve cocked it up. It does allow you to use the help screen though but it doesnt actually tell you that your blocked and therefore need to take some action.

Im pretty sure thats what i was told but they are not too consistent on what they told me.

I agree with that. I see the other banks have announced more "free" atms but more likely thats just so they can feel less guilty about the huge profits being announced this week.

Miss L. Toe wrote

Anyone who keeps an account open just in case the bank goes public.

Because they have always campaigned against transaction charges.

The hidden charges are there on top of the charges some banks make to withdraw your own money.

I mean the customer service person I spoke to. She was speaking on behalf of the company.

You're right about their excellent deal for people overseas. The main reason I have an account with them is for that, and the good exchange rates on foreign ATM and credit card usage.

Chris

I once came across an ATM engineer in a hotel bar. He claimed that most of his work involved installing supermarket's in house ATM's and that the Supermarkets were kicking the banks off of their sites as the leases expired. He seemed to think this was part of the Supermarkets move into the banking/financial services sector.

Another aspect is that Supermarkets pay to deposit notes at the bank.

DG

Could be why at least one bank are conducting a test on thier staff with a credit card for small purchases to avoid the need for cash. Tesco are apparently very interested in this idea. The card doesnt need to be swiped (just waved in front of a terminal i think) and its not checked against anything. Sounds a bit dodgy to me even though the max is 50 there will be no end of thieves lining up with cloned cards to steal 50 a time. It cant be chip and pin so that goes against all the security crap dished out about chip and pin.

Tesco machines are rebadged Royal Bank of Scotland machines, and Sainsburys machines are rebadged HBOS machines, but nevertheless, this will be at least partly true.

Certainly, there are cost savings to be made here.

The shop previously would pay their takings to the bank or post office. They would have to be carried by courier to the bank, who would then carry them by courier to machines around the country, so that people can withdraw the money and put it back in the shop till.

Now it can go from the till to the machine in the branch, and out of the other side of the machine back into the tills.

Of course for shops like Asda and Morrissons, who, as far as I'm aware, don't have their own branded machines, there probably are arrangements with the banks to pay takings into the machines on site.

Just to make you feel better,i have been a nationwide custmer for what must be over 15 years now, I used their home banking in the days when you used a dtmf tone pad on the mouth piece of the one and i have used their internet banking since day one. My relationship with nationwide has been almost faultless in all that time and i can highly recommend them.

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