Have just had to await a security number then change my password to access Paypal (they did warn me of this). Is this a one off exercise or does this happen every time you log in?
An old duffer like me finds it a PITA to think of passwords (although better than being hacked)
I think (hopefully) it's a one off. I've had a couple of accounts ask me for a mobile number, which not having a mobile I can't supply, hasn't caused any problems so far apart from periodic repeats of the request which I now ignore.
Quote from: Newportnobby on September 24, 2020, 02:46:49 PM
Have just had to await a security number then change my password to access Paypal (they did warn me of this). Is this a one off exercise or does this happen every time you log in?
An old duffer like me finds it a PITA to think of passwords (although better than being hacked)
Once you have made the change you should be able to access Paypal just by logging in.
The security number is not new - happens whenever I change password.
On a further Paypal point - don't enable One Touch as it's too easy to make a payment you didn't mean to!
Phil H
QuoteI think (hopefully) it's a one off. I've had a couple of accounts ask me for a mobile number, which not having a mobile I can't supply,
Best of luck for the future,its all part of new financial regulations brought in to combat online fraud and becoming more widespread.some banks will provide the code via landline or email.
Yeah - every time I log onto internet banking I have to get a security number text before I'm on. The signal here is pretty awful and, a la Peter Kay, I end up in the garden waving the phone about to retrieve the number.
All is OK with my paypal account but I don't want to have to think of a new password every time I use it.
Quote from: Newportnobby on September 24, 2020, 02:46:49 PM
Have just had to await a security number then change my password to access Paypal (they did warn me of this). Is this a one off exercise or does this happen every time you log in?
An old duffer like me finds it a PITA to think of passwords (although better than being hacked)
oh dear, sounds like the start of a slippery slope.
my recent [3 month long] conflict with paypal started this way, next thing I knew they'd 'limited' my account, spend weeks trying to deal with them via their 'message' system, which didn't work, and ended up with formal complaints with financial services in uk and CSSF Luxembourg.
took over three months to get my account 'un-limited' and have still not had an explanation or an apology.
compalint with Financial services ombundsman still continueing, but slowly, due to COVID :'(
if you can still do so
TAKE OUT ANY CREDIT IN YOUR PAYPAL ACCOUNT !!
It's all to do with a new EU directive (part of the information I received from PayPal a couple of weeks ago) -
The Second Payment Services Directive (PSD2)
This is a new European Union directive replacing the First Payment Services Directive, which regulates payment services in Europe. Part of PSD2 the new security requirements that will impact online businesses accepting card payments.
Strong Customer Authentication (SCA)
PSD2 introduces further security requirements for making electronic payments, accessing your account or making changes to your account in order to reduce the risk of fraud. These requirements, which apply to all countries in the EEA, include strong customer authentication. This is an authentication process that validates your identity when you are using any payment service. When making a payment, accessing your account or making a change to your account at least 2 forms of authentication are needed. **
Two of my bank accounts always send me a code number before I can log in. Another sometimes sends me a code number. **The first form of authentication is the password you use to log into the account and, if a second is required, you get the code number, either by text or email. A pain, but more secure.
was I imagining it or
ARE WE NOT IN THE :censored: EU ANYMORE
typical politicians, won't stand up for you, except when they want you to vote them into another four years in the trough.
Two Factor Authentication. It's coming in with online banking in general. Should only trigger in certain circumstances such as when you use the system from a different device or make security changes such as change password.
The thing that's really annoying me these days is my online banking is slower due to added checks. When I go to send some dosh electronically they've now added "what is this transfer for?" dropdown and an "are you sure you know this person?" tickbox. Er... yes, I've been paying them for years actually! I don't mind a check the first time, but every flippin' time :censored: It may be to do with needing to verify the payee or something, I need to look into it.
Quoted "what is this transfer for?" dropdown
yep same her, i selected other and entered hookers and coke ,transaction went through fine,however all mail from them now addresses me as "the right honorable"
Quote from: ntpntpntp on September 24, 2020, 04:20:30 PM
Two Factor Authentication. It's coming in with online banking in general. Should only trigger in certain circumstances such as when you use the system from a different device or make security changes such as change password.
The thing that's really annoying me these days is my online banking is slower due to added checks. When I go to send some dosh electronically they've now added "what is this transfer for?" dropdown and an "are you sure you know this person?" tickbox. Er... yes, I've been paying them for years actually! I don't mind a check the first time, but every flippin' time :censored:
Yeah, mine's the same - surely if I've said that I'm transferring to one of my own accounts (one to which I move money several times a month) they really don't need to ask if I've been coerced into doing it and if I'm sure what I'm doing.
As to the code sent by phone, one of my banks is a PITA - I don't have a mobile so they said "No problem we can send the code to a landline". Only trouble is, when it's sent the blasted system says it as, say "one thousand, seven hundred and eighty four", but it gabbles it such that I've never been able to catch it correctly and, of course, it disconnects with no option to repeat. It would be far better if it just read out the digits instead of trying to make a sentence out of it. Mind you, if they slash the interest rate much more I'll just close the flaming account anyway
Quote from: themadhippy on September 24, 2020, 04:41:12 PM
Quoted "what is this transfer for?" dropdown
yep same her, i selected other and entered hookers and coke ,transaction went through fine,however all mail from them now addresses me as "the right honorable"
PSML - you now owe me a decaffeinated monitor and keyboard :laugh:
Quote from: class37025 on September 24, 2020, 04:15:39 PM
was I imagining it or
ARE WE NOT IN THE :censored: EU ANYMORE
typical politicians, won't stand up for you, except when they want you to vote them into another four years in the trough.
Yes you are still in the :censored: EU, at least from a technical standpoint.
All the regs still apply until the end of this year, that's what the transition period is about.
Regards,
John P
.. and even after we have finally left EU, many of those sorts of regs will remain similar anyway, it's the way cyber security is going.
And while we jump through the eu's hoops there forcing the closure of some uk accounts held by expats
Quote from: themadhippy on September 24, 2020, 05:12:37 PM
And while we jump through the eu's hoops there forcing the closure of some uk accounts held by expats
Or, to be more accurate, some banks feel that it will not make sufficient business sense to set up a subsidiary and apply for (and undoubtedly pay for) a banking licence in another country - since that is effectively what the EU will be to UK companies - for the amount of business they do or will do there.
do you not watch their adverts ?
they are dedicated to their customers er profits :censored:
QuoteOr, to be more accurate, some banks feel that it will not make sufficient business sense to set up a subsidiary and apply for (and undoubtedly pay for) a banking licence in another country - since that is effectively what the EU will be to UK companies
Fine if its a uk only bank,but barclays are multinational last time i looked
oh for the days when your pay came in a pay-packet.
nowadays banks have a stranglehold, and never mind how many adverts say they "have their customer's well being at heart"
you can be guaranteed that their only thought is PROFIT and :censored: their customers :veryangry:
Quote from: class37025 on September 24, 2020, 05:43:38 PM
oh for the days when your pay came in cask in a pay-packet.
I've never been paid in beer. :hmmm: ;)
Quoteoh for the days when your pay came in cask in a pay-packet.
with the corner cut out so you could count it without opening,and a staple through the cash to stop you rolling a quid out and claiming youve been short paid.Memorys
Quotenowadays banks have a stranglehold,
and if they had there way,along with the goverment,cash wouldnt exist
Quote from: themadhippy on September 24, 2020, 06:04:20 PM
... if they had there way,along with the goverment,cash wouldnt exist
I've not used any cash since March anyway, I know because I've still got the small wad I took out of the ATM when still travelling to the office :) Cards for all the purchasing these days, online banking to pay the bills. Tbh I've been doing it this way for years, only used cash for the chip shop and the window cleaner.
Without wishing to go too far off topic: My Father was a Bank Manager with Lloyds (When it actually WAS Lloyds) and one of my first jobs was with them too. In those days it was a "Service" mentality, we were taught the Customers were doing us huge favours letting us deal with their money and that deference was the order of the day. Branch Managers had the final say on any loans etc and had personal relationships with customers. I saw the beginnings of the change before I moved on, a few years later Bank Managers were all young Graduates only qualified to press a button on a PC that said yes or no. All of them were working with big targets for "Banking Products and services" and the attitude was that the Banks were doing us a huge service and that we should pay them for doing us the honour of taking our money and investing it to their huge profit.
I got out before they stole my soul, my Father got lucky as one of the Old School Management they wanted shot of and was offered early retirement at 50 with a full Final Salary Pension and a lump sum.
TL;DR I hate banks but my old man loves 'em!