I left my purse at home this morning and along with it all my I.D and money :mad: (I'm not a morning person). I've just been into my local bank in the city centre to see if I could, nonetheless, get some dinner money! I explained the situation to the cashier and passed over a piece of paper on which I had written my sort code and account number. I expected questioning along the lines of mother's maiden name, passwords etc and she never even asked me my full name! All she did was ask me how much I wanted and get me to sign the slip to say i had withdrawn money! :confused:

Surely this is not normal?

It has got me worried that anyone with my account number and no morals could do this?!?
:help:

Whats your account number ?

Originally posted by Lee1979
I left my purse at home this morning and along with it all my I.D and money :mad: (I'm not a morning person). I've just been into my local bank in the city centre to see if I could, nonetheless, get some dinner money! I explained the situation to the cashier and passed over a piece of paper on which I had written my sort code and account number. I expected questioning along the lines of mother's maiden name, passwords etc and she never even asked me my full name! All she did was ask me how much I wanted and get me to sign the slip to say i had withdrawn money! :confused:

Surely this is not normal?

It has got me worried that anyone with my account number and no morals could do this?!?
:help:

How much did you withdraw? I tried this with no ID at all and failed, because I wanted £3000 in cash. I did manage to get it with my driving licence in the end.

If it's less than £10, I would imagine that you providing your full name, sort code and account number without prompting - was verification enough for a transaction that size. That and you were filmed doing it and they can always check the counter cheque against a specimen signature. Sometimes they also ask you when you last took out money or when your overdraft expires etc.

Are you saying you have no morals?

Originally posted by Phanerothyme
How much did you withdraw? I tried this with no ID at all and failed, because I wanted £3000 in cash. I did manage to get it with my driving licence in the end.

If it's less than £10, I would imagine that you providing your full name, sort code and account number without prompting - was verification enough for a transaction that size. That and you were filmed doing it and they can always check the counter cheque against a specimen signature. Sometimes they also ask you when you last took out money or when your overdraft expires etc.

I only wanted £20 but am concerned as they asked me nothing at all? I was wondering if this is standard practice or if I should complain.

it is a bit slack isn't it, someone could have harvested those details by stealing some post and finding a chequebook, or going through your recycling bin and finding a bank statement...

It's just like cashing a cheque without a cheque card. All the same details are there, name, sort code, a/c number. I suppose they have to take a certain amount on trust, obviously small amounts only though.

Just be glad you were able to eat that day. :D

I don't know who you bank with but if you try to do that at RBS on Church St they ask you your mothers maiden name....overdraft limit......address......ask you to sign something and somtimes your bra size!!! lol

If it's the young fit trainee I always try to be as helpful as possible :D

Originally posted by Raychul69
If it's the young fit trainee I always try to be as helpful as possible :D

I do believe morals were mentioned earlier in this thread.. Where did you leave yours Rach ? :P

I have no morals!!!!!!!!!!!!!!!!!!!!!!!!! :D

Originally posted by Lee1979

Surely this is not normal?

It has got me worried that anyone with my account number and no morals could do this?!?
:help:

Doesn't sound like normal procedure to me. In the past I tried to obtain money without a card and required multiple ID documents and to add to this they questioned me and carried out checks over the telephone with my branch while I waited.

But it was RBS on Church Street!!

Last time this happened to me I was able to do it at my own branch because they have (or had - this was a few years back) record cards with sample signatures on it.

I signed a docket and they went and checked my signature against the one they had in the card index.

But if it's not your branch they usually ask for some sort of 'personal' information - in my bank I have a number that I use for phone banking and they often ask for two digits from that. Alternatively they may ask you for a couple of recent transactions, or an approximate balance.

Very sloppy, otherwise!

Joe

They have a screen that pops up when they input your details. It tells them your D.O.B , full name, etc etc etc.

They do a visual check on you. Had you wanted more then the answer would have been no.

The thing is, the people that work in banks become attuned to what is fraud and what isn't. It's all about body language etc.

Someone asking for £20 is unlikely to be fraudulent. Cheque fraud and card fraud are easier than coming face to face with the bank and having your picture taken.

It's suprising though how many people would have the cheek to just stroll into a bank and try and draw even a tenner from an account that isn't there's.

£5 may not be much to us but to a smack head thats a daily fix!!!

Originally posted by Raychul69
It's suprising though how many people would have the cheek to just stroll into a bank and try and draw even a tenner from an account that isn't there's.

£5 may not be much to us but to a smack head thats a daily fix!!!

Do you know of any instances when this has happened?
I work in a bank and in the past 9 years it has only happened in my presence once and was spotted straight away. It was a lot more than £20 though.

The person was far from a "smack head" too.

I never said I knew of any instances, I'm just pointing out that there a people in this world that have the cheek to stroll into a bank just for the sake of a fiver regardless of if they were caught or not!!!!!!!!

Well i would have to disagree with you on that.