Online banking question

[Accy cyclist]

The word they're looking for doesn't have to be long, or complicated. They'll choose three of them, from what you chose, when it comes to asking you to verify the account.
Too long or complicated and it'll make it harder for yourself, not anyone else.

So do I send one word or three? I thought I'd be sending one word, then press enter, then they'd tell me to send another. When they'd received three they'd allow me to go onto 'Next'.🤔

 

[AndyRM]

Well yes, surely I could make the payment with my Halifax card, giving my 4 digits etc. Having said that, I think it'll be best to go into my nearest Halifax branch. I could phone the Halifax helpline, but I don't even trust that to be totally fraud proof.

It's not 100%, but it's near as damnit. You'll have to pass security checks and your interactions with the bank will be recorded.

Their contact centre opens at 8am tomorrow. Call them and stop fannying about on here worrying about it.

 

[Fastpedaller]

this

i'd walk away from any deal that required money transfer to an unknown/unverifiable seller

Indeed. My Wife nearly made an error when trying to make a holiday booking a few years ago. The 'owner' of the property (the fraudster who'd hacked the owner's email!) wanted a bank transfer. I responded to 'his' email by saying my friend lived local to him, and my friend would pay him cash if he'd give his address. Strangely, we never heard from him again, but we sent a report to Action Fraud.

 

[Fastpedaller]

I don't know the sellers, but they are a reputable car dealership, so their reviews say online. It's not a private sale as such.🤔

This doesn't sound good to me. There have been many cases of vehicles being 'sold' by fraudsters who've lifted images of vehicles from the websites of genuine car dealers.

 

[Accy cyclist]

This doesn't sound good to me. There have been many cases of vehicles being 'sold' by fraudsters who've lifted images of vehicles from the websites of genuine car dealers.

Well they did want me to travel the 36 miles to their showroom to look at it, before possibly buying it. It was me who asked them to bring it to me to have a look at it. Saying I didn't fancy driving 72 miles there and back. They sent me a video of the car after I requested it. The video was taken in what looks like a genuine car showroom, to me.

 

[Fastpedaller]

Accy - Have you seen the vehicle? I mean the vehicle, not a photo of it? If you haven't seen/driven it, don't send any money!

 

[Accy cyclist]

Shall I post a link to the car I intend buying? Or is that not advisable?🤔

 

[Fastpedaller]

Shall I post a link to the car I intend buying? Or is that not advisable?🤔

It wouldn't prove anything, other than it could be a fake website or could be a good one. I would only buy something by credit card if I haven't seen it.

 

[classic33]

So do I send one word or three? I thought I'd be sending one word, then press enter, then they'd tell me to send another. When they'd received three they'd allow me to go onto 'Next'.🤔

They'll ask for something like the 4th, 7th and 8th characters of your chosen memorial word, and you're expected to know them. Another time they could ask for the 1st, 8th and 2nd characters of your chosen word. To be given in the order they ask for them.

It's simple once in place, but if you've any worries about getting it right, either phone them, use their online chat or get to a branch and let the staff help you. A lot safer than persisting with asking questions, when others have already given similar answers. Do nothing until you've checked with the Halifax, however you choose, and go with their advice.
Don't listen to them, and you may be told you're responsible for any loss suffered.

 

[Accy cyclist]

Shall I post a link to the car I intend buying? Or is that not advisable?🤔

Here is the car I intend to buy. Feel free to check the legitimacy of the sellers, plus the car's MOT history etc, as I'm not very good at sussing cars out!
🙄


https://www.cargurus.co.uk/Cars/share/156298204

 

[Accy cyclist]

I've decided to throw caution to the wind, regarding payment for the car. I'm going to drive down to have a look at it with a friend who will probably drive my car for me, as my car is insured for certain drivers. If the car's ok I will pay using my Halifax card, typing in the 4 digits code. That should be met with an email alert from the Halifax bank, asking if the seller is genuine, using different words of course. What could possibly go wrong?!🤔

 

[Accy cyclist]

Do they mean by bank transfer?
Pop into a Halifax branch with the seller's details, ask them to check for fraud as well.
I wouldn't make the purchase if I was you, but you never listen to my advice on CC, maybe the bank will talk sense into you

It could be that the wording you are using is not acceptable to the form: they normally state the minimum amount of characters you need, if you must use special characters, etc.

I do listen to your advice Pat. But I also think you got it wrong with that Pyrex dish and air fryers advice! I dare you! Admit it!!❤️ 😉👍

 

[Accy cyclist]

Here is the car I intend to buy. Feel free to check the legitimacy of the sellers, plus the car's MOT history etc, as I'm not very good at sussing cars out!
🙄


https://www.cargurus.co.uk/Cars/share/156298204

The car's MOT history is ok, wouldn't you all say? 🤔

https://www.check-mot.service.gov.uk/results?registration=V15EPH&checkRecalls=true

 

[Accy cyclist]

I do listen to your advice Pat. But I also think you might've it wrong with that Pyrex dish and air fryers advice! I dare you! Admit it!!❤️ 😉👍

 

[AndyRM]

I've decided to throw caution to the wind, regarding payment for the car. I'm going to drive down to have a look at it with a friend who will probably drive my car for me, as my car is insured for certain drivers. If the car's ok I will pay using my Halifax card, typing in the 4 digits code. That should be met with an email alert from the Halifax bank, asking if the seller is genuine, using different words of course. What could possibly go wrong?!🤔

That's just paying for something using chip and pin...

Might be worth talking to your bank beforehand to let them know as it's a large amount, but that's seriously erring on the side of caution.

As for the car, Abarth's are lovely. Personally I don't see the point in buying one for pootling around the place, but it's your money so...