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#974026 - 08/19/14 02:31 AM Re: question about so call microsoft guy [Re: family]
Homer6 Offline
BAAG Specialist

Registered: 04/18/02
Posts: 5505
Loc: Oklahoma, USA
Glad to help you keep your computer safe.

One more thing to add about banks and such businesses. Any official documents from a bank or other type business will come to you through the mail. That way they have a record that you have been notified about whatever you are contacted about.
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If something gets your goat, it just proves you have a goat to get.

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#974049 - 08/19/14 07:42 AM Re: question about so call microsoft guy [Re: Homer6]
RichAlexis Offline
Shy Boomer

Registered: 06/21/13
Posts: 41
Originally Posted By: Homer6
One more thing to add about banks and such businesses. Any official documents from a bank or other type business will come to you through the mail. That way they have a record that you have been notified about whatever you are contacted about.

Yes, thanks for mentioning this. This has been the case so far. But I'm not too sure if banks will continue to do so.

For instance, I used to set up my standing orders (banker's orders) by surface mail, because it involves authorizing a company to automatically withdraw money from your account at regular intervals, and it obviously needs a signature and full personal details. So it felt safer for me to use a paper form and stick this in an envelope. Or sometimes go to an office and identify myself and vice versa to make sure.

But now my bank has put an end to this possibility, and allows only online banking to deal with this. So what's next?

I actually get lots of mails from companies that urge me to do everything online. That way, they can fully automate their procedures and 'cut out the middleman', that is lay off more of their employees.

I realize this is sidetracking the issue a bit, but I just wanted to address the general dilemma behind it wink

Rich

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#974054 - 08/19/14 09:31 AM Re: question about so call microsoft guy [Re: family]
Upsydaisy Offline
Settled Boomer

Registered: 07/23/05
Posts: 819
Loc: Sunny Devon, United Kingdom
If I want to pay anyone or set up any payments, I need to log onto my bank's website, set up any payments etc., but before this can be confirmed I have to put my debit card in a card reader (supplied by my bank)this issues
a random code which I enter on the website. Do they have this system in place in the US?.

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#974072 - 08/19/14 11:33 AM Re: question about so call microsoft guy [Re: Upsydaisy]
RichAlexis Offline
Shy Boomer

Registered: 06/21/13
Posts: 41
Originally Posted By: Upsydaisy
If I want to pay anyone or set up any payments, I need to log onto my bank's website, set up any payments etc., but before this can be confirmed I have to put my debit card in a card reader (supplied by my bank)this issues
a random code which I enter on the website. Do they have this system in place in the US?.
I don't know about the US - I live in Europe, but I know some banks work that way with a card reader, but not mine. Just username and password, sometimes adding an extra 'super-secret' (ha!) verification code, which is static though. Sounds safer the way you do it!

Actually, I just read a note from my bank that says: "We are digitizing our communication. This means you will be receiving more and more banking information digitally instead of by mail. Because digital communication isn't always possible, for instance when we send you a new bank card, you may occasionally receive mail from us".

That pretty much sums it up. I guess I'll have to switch! shocked

Rich


Edited by RichAlexis (08/19/14 11:38 AM)

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#974166 - 08/20/14 02:17 AM Re: question about so call microsoft guy [Re: RichAlexis]
Homer6 Offline
BAAG Specialist

Registered: 04/18/02
Posts: 5505
Loc: Oklahoma, USA
There are such devices called Secure IDs which generate a random string of numbers that have to be entered in order for a user to do something that has to be secure. It's a key fob or credit card size device which is initially synchronized with the issuing institution so that the numbers generated by the user's device are the same ones at the issuing institution end. And because the numbers change every 2 minutes, and are random, they are about as secure as you can get.

Every time a scam makes the rounds in my area, several businesses place notices in the newspaper telling customers how they actually handle the business the scams are trying to exploit. One such is the power company. A few times a year some article will tell of a person who has been called by someone claiming to be from the power company. The caller gives the person a pitch saying they own so much and if they don't pay immediately the power will be shut off. And the power company will post a notice in the newspaper telling this is NOT how they handle delinquent accounts.

As has been said many times before, both by those in the know and businesses, if you have doubts about someone claiming to be from this or that business, hang up and call a number you KNOW belongs to the business the caller claims to represent.
_________________________
If something gets your goat, it just proves you have a goat to get.

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#974427 - 08/22/14 07:43 AM Re: question about so call microsoft guy [Re: family]
Cathy1 Offline
BAAG Specialist

Registered: 05/10/03
Posts: 7218
Loc: Calgary Alberta Canada
I've had that computer guy call. I just tell him I don't own a computer,and the silence on the other end makes me smile a little.

Cathy thumbsup
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