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Santander cards uk DD I didn't know about!!!

meshosameshosa

I bank with HSBC, and since they introduced this stupid code generator to log into online banking and I haven't been checking my statements. It is very difficult to have me, the laptop and the code generator in the same room at the same time!!!! To my horror when I checked my account I found a direct debit with Santander cards UK and over 8 months they charged £500 FOR ???????
I have cancelled this now and got refund but an investigation is initiated which is fine by me as I never dealt with them.
My worry now is that my wife said this name rings a bell with here, we have joined account, and she thinks she had a card store with them which she used to buy something for £30 and she paid the amount in full and asked for the card to be cancelled. this was January last year and direct debit started JULY 2011. We moved house in August. I am worried about identity theft how does it work? Obviously if any thing signed they wouldn't have my signature but I am worried about the fact that you can start direct debit over the phone with no signature. Should I worry about this.

All Comments (16)

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    meshosa
    I did check it couple of times but didn't see this
    olympians
    Your own dumb fault this has gone so far without you noticeing.

    The HSBC authenticator is easy to use, and it's meant to be on a keyring or in a wallet, so you can carry it with you wherever you go, how can you not have it with you? :S


    (this sounds harsh, just you've shocked me)

    No idea about the ID fraud though, do you shred everything?

    Edited By: olympians on May 17, 2012 13:37
    cdm22
    How can you not notice £60 a month going out which couldn't be accounted for? Blimey!
    meshosa
    My account was 0 when I moved house due to paying deposit. And I know my income is covering bills with few hundreds to spare. I was not bothered about transferring into saving account and just wanted to pay a lump of mortgage that's why I checked.
    dimebars
    Your wife is lying

    She's never cancelled the card and has been buying things on it for months knowing you're too dumb to notice.

    Add to this the fact you've now committed fraud in claiming you knew nothing about it and getting a refund.

    I'd keep the refund safe for when they ask for it back. Go knows how many years it would take you to realise your account was £500 down again.
    simonturner69
    Just return the monkey spider for a refund.
    sideysid
    £60 is easy to miss coming out of your account, when you've got house/car bills coming in and out, give the OP a break. I check mine once a month.

    He might not be a skin-flint tight a*se like some of you that would miss a moth flying out your wallet.

    Some people have decent well paid jobs and a life to attend to than watching as soon as a penny disappears. Must be a laugh a minute down the pub.
    simonturner69
    Bills coming in?

    I wouldn't mind that.
    kangaryu
    > I bank with HSBC, and since they introduced this stupid code generator to log into online banking and I haven't been checking my statements. It is very difficult to have me, the laptop and the code generator in the same room at the same time!!!! To my horror when I checked my account I found a direct debit with Santander cards UK and over 8 months they charged £500 FOR ???????
    I have cancelled this now and got refund but an investigation is initiated which is fine by me as I never dealt with them.
    My worry now is that my wife said this name rings a bell with here, we have joined account, and she thinks she had a card store with them which she used to buy something for £30 and she paid the amount in full and asked for the card to be cancelled. this was January last year and direct debit started JULY 2011. We moved house in August. I am worried about identity theft how does it work? Obviously if any thing signed they wouldn't have my signature but I am worried about the
    > fact that you can start direct debit over the phone with no signature. Should I worry about this.

    Re the stupid code generator, you already have you and the laptop in the same room. The 'stupid code generator' is the size of a credit card - is it that hard to carry it with you to the laptop??? WHY is it very difficult to have all three items in the same room at the same time?
    It's not hard to use the 'stupid code generator':
    turn the gismo on,
    enter your pin,
    press the green button,
    type the number into the box onscreen.

    How hard is that compared with the increase in the security for your account??

    It's your responsibility to monitor YOUR account.

    Sounds to me like you want your mummy to look after your bank account, and you can't keep your wife in check either, as she 'said this name rings a bell with here, we have joined account, and she thinks she had a card store with them which she used to buy something for £30 and she paid the amount in full and asked for the card to be cancelled. this was January last year and direct debit started JULY 2011.'

    Check her statements, reputable organisations are extremely unlikely to take funds without authorisations, they have millions of customers,it's not worth the hassle, though mistakes do occur.

    Try using your brain and checking your accounts regularly. You can check your account on the phone, on the internet, at a cash point, or in a branch.

    Don't lay the blame on the bank - it's YOUR money, LOOK AFTER IT YOURSELF!!!!

    Re identity theft, you seem to be a prime candidate, as you don't bother to take advantage of the security systems available to you.

    I'll be happy to look after your bank account for you, just email the following details to me, and I guarantee you won't have any money to worry about in the future:

    your bank sort code and account number
    Debit card number
    PIN
    D of B
    Cock size (oh, we already know that - small)
    patty4
    Yeah , I found exactly same thing ... £5 every month has gone out of my account to Santander Cards Uk. Have cancelled the direct debit but have been sent round in circles trying to find who they are . Finally get through ( after 12 minutes to Nat call rate no ) guy on phone takes all of my details , then says hold ... silent for another 5 minutes and I give up !
    Peedee
    If you lot just stopped posturing and tried to help, you would find that Santander Cards UK administer the store credit schemes for people like DFS, Debrnhams and Comet.

    I suspect, that having just moved, they bought a new fridge, washing machine, sofa, etc. on interest free credit, and it is this that is being taken out. As they also often do nothing to pay for X months, it's easy to forget it ans be taken by surprise later on.
    csiman
    sideysid
    £60 is easy to miss coming out of your account, when you've got house/car bills coming in and out, give the OP a break. I check mine once a month.

    He might not be a skin-flint tight a*se like some of you that would miss a moth flying out your wallet.

    Some people have decent well paid jobs and a life to attend to than watching as soon as a penny disappears. Must be a laugh a minute down the pub.

    only a fool wouldnt notice £60 going out of their account EVERY month! A penny isnt quite the same as £500 either! oO

    Edited By: csiman on Jun 02, 2013 19:26
    drummersam
    I've just had the same thing but for £7.55 each month! I know it's not much, but I'm a student, any ideas what the dd is for?
    lumsdot
    You are lucky to have a code generator, it makes your bank account hard to hack.
    Halifax and santander just rely on passwords which can be grabbed with a keylogger virus. They do ask for specific characters of a password which does help but is not perfect.
    Imo all online bank accounts should use code generators

    Edited By: lumsdot on Dec 04, 2013 05:13
    csiman
    lumsdot
    You are lucky to have a code generator, it makes your bank account hard to hack.
    Halifax and santander just rely on passwords which can be grabbed with a keylogger virus. They do ask for specific characters of a password which does help but is not perfect.
    Imo all online bank accounts should use code generators
    why should everyone suffer with code generators just to assist the numpties stupid enough to not protect themselves against key loggers?

    i have 15 bank accounts and would close them down if they introduced code generation
    toshapetriji
    another old thread resurrected

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