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15 hours ago, Kid Dynamite said:

https://amp.theguardian.com/money/2019/dec/07/i-lost-my-193000-inheritance-with-one-wrong-digit-on-my-sort-code?__twitter_impression=true

 

The banks are so crooked. My 85 year old Gran was convinced to transfer £10k by scammers last year. She did it in person at the bank, failed her security questions because she was so flustered, but the bank completed the payment anyway. After months of arguing with the bank she got about £3k back 

 

Okay, by sheer chance I've just discovered this has happened to me. I'm getting building work done, so wiring money out left right and centre. One of my contractors has complained he hasn't been paid. I've checked and money was sent out to the right name, but somebody elses bank details (my mistake). The person the money went to hasn't mentioned it. Fortunately I still owe this individual about the same amount so I'm just going to deduct his little windfall from that. I'm disappointed by his dishonesty.

 

But goes to show the banks can't be arsed to cross reference names with account details. All this shit about bank security, 16 character passwords, etc, and they can't even be bothered to check a fucking name. Mine was for £400, but as that case demonstrates, and J69s, it could be for much more. Beyond a joke. 

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How many transactions must go through on second?  

 

However, they should be more robust than that.  If you put a reference in and a name it should be able to look at that and the account number and flag it up surly.

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The names were completely different. It's not exactly advanced AI to have an algorithm match the name with the account. We do much more complex data computing here with hardly any resources. 

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11 hours ago, Renton said:

 

Okay, by sheer chance I've just discovered this has happened to me. I'm getting building work done, so wiring money out left right and centre. One of my contractors has complained he hasn't been paid. I've checked and money was sent out to the right name, but somebody elses bank details (my mistake). The person the money went to hasn't mentioned it. Fortunately I still owe this individual about the same amount so I'm just going to deduct his little windfall from that. I'm disappointed by his dishonesty.

 

But goes to show the banks can't be arsed to cross reference names with account details. All this shit about bank security, 16 character passwords, etc, and they can't even be bothered to check a fucking name. Mine was for £400, but as that case demonstrates, and J69s, it could be for much more. Beyond a joke. 

Hang on, if you owe this guy roughly that amount, is he dishonest by not complaining that you've paid him roughly what you owe him? :scratchchin: 

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37 minutes ago, The Fish said:

Hang on, if you owe this guy roughly that amount, is he dishonest by not complaining that you've paid him roughly what you owe him? :scratchchin: 

 

Yes, because it came to him several weeks ago before he would be expecting any pay, and he's invoiced me for the whole amount since. 

 

Youre going to love this Fish, he's a local double glazer and has also done a bit of a shit job. Ive had to pay a grand on remedial plastering as well. What was it you said? Something about paying twice? :icon_lol:

Edited by Renton
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3 minutes ago, Renton said:

 

Yes, because it came to him several weeks ago before he would be expecting any pay, and he's invoiced me for the whole amount since (after trying to overcharge me by a grand). 

 

Youre going to love this Fish, he's a local double glazer and has also done a shit job. Ive had to pay a grand on remedial plastering as well. What was it you said? Something about paying twice? :icon_lol:

Does he have as bad a hand writing as Kieron Dyer?

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56 minutes ago, Renton said:

 

Yes, because it came to him several weeks ago before he would be expecting any pay, and he's invoiced me for the whole amount since. 

 

Youre going to love this Fish, he's a local double glazer and has also done a bit of a shit job. Ive had to pay a grand on remedial plastering as well. What was it you said? Something about paying twice? :icon_lol:

We're going to need to get the windows at the back done as they're not double glazing. The Mrs said she'd phoned round a few big companies and someone would pop round to give us a no obligation quote.

Safe to say I told her she's out of her goddamn mind. We'll use a local firm for local people.

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14 hours ago, Renton said:

 

Okay, by sheer chance I've just discovered this has happened to me. I'm getting building work done, so wiring money out left right and centre. One of my contractors has complained he hasn't been paid. I've checked and money was sent out to the right name, but somebody elses bank details (my mistake). The person the money went to hasn't mentioned it. Fortunately I still owe this individual about the same amount so I'm just going to deduct his little windfall from that. I'm disappointed by his dishonesty.

 

But goes to show the banks can't be arsed to cross reference names with account details. All this shit about bank security, 16 character passwords, etc, and they can't even be bothered to check a fucking name. Mine was for £400, but as that case demonstrates, and J69s, it could be for much more. Beyond a joke. 

 

To be 100% absolutely fair, as someone who writes  that kind of backend stuff in the financial industry for a living

 

That mistake is entirely your fault. ;) 

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13 minutes ago, Andrew said:

 

To be 100% absolutely fair, as someone who writes  that kind of backend stuff in the financial industry for a living

 

That mistake is entirely your fault. ;) 

 

It is. In the same way as dropping my wallet would be my fault. I do find it exceptionally odd though that there isn't some built in security for when people make human mistakes. I mean that case with the inheritance being wired to the wrong account was technically his fault, but the bank should have still stopped it. Surely matching names to accounts isn't too difficult?

 

It makes you wonder what the fuck money really is anyway. A few photons in a fibre optic cable, electrons in a chip, 0s and 1s. None of it is real is it?

 

 

 

tenor.gif

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7 minutes ago, Renton said:

 

It is. In the same way as dropping my wallet would be my fault. I do find it exceptionally odd though that there isn't some built in security for when people make human mistakes. I mean that case with the inheritance being wired to the wrong account was technically his fault, but the bank should have still stopped it. Surely matching names to accounts isn't too difficult?

 

It makes you wonder what the fuck money really is anyway. A few photons in a fibre optic cable, electrons in a chip, 0s and 1s. None of it is real is it?

 

 

 

tenor.gif

 

The problem with names and free format fields as fields to be validated against is that people are stupid.

 

They get other peoples names wrong, the get their own names wrong, they assume they know how to spell common names which they don't, they give their own names as the name on the account when it is the companies (or the other way round).

 

That name based validation will be a total pain in the arse for companies to implement if they don't already have it.

 

There has to be, eventually, individual responsibility on the customer to make sure they move their own money correctly. While what happened to that guy is unfortunate and absolutely full of system related cock-ups the companies I work for would not countenance the guy literally gave the wrong bank details to his solicitor, that that wasn't triple checked when they exchanged those details is their fault.

 

Its poor from Barclays but when you're talking about dealing with £200k and you do that without checking you're giving the absolute right numbers (a 6 digit and an 8 digit, its not rocket science) you're an idiot and that is not the banks fault.

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Strange what goes through your head at this time of night....just checked, Happy Face hasn’t sent a tweet since 6th August... :unsure:

 

Does anyone know him outside of the internet?...

 

 

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7 hours ago, Andrew said:

 

The problem with names and free format fields as fields to be validated against is that people are stupid.

 

They get other peoples names wrong, the get their own names wrong, they assume they know how to spell common names which they don't, they give their own names as the name on the account when it is the companies (or the other way round).

 

That name based validation will be a total pain in the arse for companies to implement if they don't already have it.

 

There has to be, eventually, individual responsibility on the customer to make sure they move their own money correctly. While what happened to that guy is unfortunate and absolutely full of system related cock-ups the companies I work for would not countenance the guy literally gave the wrong bank details to his solicitor, that that wasn't triple checked when they exchanged those details is their fault.

 

Its poor from Barclays but when you're talking about dealing with £200k and you do that without checking you're giving the absolute right numbers (a 6 digit and an 8 digit, its not rocket science) you're an idiot and that is not the banks fault.

 

This is pure bull shit imo. It should be a piece of piss to introduce fuzzy logic protocols to make sure names and account details approximately match, it wouldn't have to be exact. Any oddities could be followed up manually. It just smacks of the banks absolving themselves of responsibility, replacing paid staff and putting all the consequent  risk on their customers. 

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2 hours ago, Renton said:

 

This is pure bull shit imo. It should be a piece of piss to introduce fuzzy logic protocols to make sure names and account details approximately match, it wouldn't have to be exact. Any oddities could be followed up manually. It just smacks of the banks absolving themselves of responsibility, replacing paid staff and putting all the consequent  risk on their customers. 

 

Ok

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13 hours ago, Meenzer said:

 

Genius tbh. The French think she's singing in English, the British think she's singing in some kind of French. Bravo! :lol:

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