Driving me mad - they call up from an unavailable number and want to query some transactions. They insist they do not want to ask sensitive information, e.g. ask my age not DoB, etc. But they fail to understand that whatever level of question they are asking is exactly the level of detail Barclays need to verify me, and so if they are not in fact Barclays I am giving exactly that level of detail away to a potential fraudster!
And they have blocked my on-line banking. It is a pain in the arse. I use the on-line banking to keep a very close eye on my account. If there was anything odd (which has happened once before on a debit card) I spot it right away. But I can't now check what is happening because they have blocked access. Madness.
What really pisses me off is their insistence that they are protecting me not protecting them. If someone impersonates me by some means and fools the bank in to transferring money then it is the bank that been defrauded and not me. When one person lies to another for gain, they are defrauding them. The fact someone lies and pretends to be me does not make them me, and does not mean the bank would be correct to give my money away on their request. The bank would have to reimburse me as the bank will have acted incorrectly. So it is not me being defrauded and is not, in the long run, me that is being protected. One could argue that in the short term, having money transferred away, is inconvenient, and they are protecting me from that short term inconvenience, but not if that protection is in fact the cause of significant inconvenience.
The only way it could be protecting me is if the cause was a breach of contract by myself by giving details to some third party to allow someone to impersonate me. Ironically the very sort of thing a unknown caller pretending to be the bank may be asking me!
It really pisses me off - I told them I would be charging for my time calling them back. 15 minutes on the call so far. We'll see what happens when I send them the bill.
P.S. After 20 minutes they tell me that even though the fraud dept have blocked the account and even though they are clearly working on a Sunday, that we cannot call them. Total incompetence by Barclays.