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Grandpa:
Dinsdale:
Grandpa:
Dinsdale:
Here’s a new one,i went to register with a agency and in the signing up process of proving my identity they insisted i allow them a copy of my bank card they say it was to prove bank details,so naturally i declined seemed like an attempt at fraud to me i’ve never been asked this before.I can’t see the problem. What details do you have on the front of your card that anyone could commit fraud with? The security numbers on the back, now that’s different. Sometimes they want a copy (never let the card out of your sight), but usually they’ll settle for the bank account details written down by you, or them. Every agency I’ve been to require this. AS tachograph says, how else would they pay you?
Grandpa the problem is they wanted to photocopy my bank card so taking it away from me and potentially copying the CVV number and now having the 16 card number on the front as well as the 8 digit number which is the only one they really need,and i wouldn’t let them for obvious reasons
That’s fine though as long as you don’t let the card out of your sight so they can’t copy the security numbers on the back. Without those security numbers your card is worthless. I think they’d perfectly understand if you said I can’t let the card out of my sight for obvious security reasons, but I’ll stand by the side of you whilst you do the photocopy. Personally, I already have a photocopy of the front of my card that I take with me to interviews.
Even if you keep the card in sight at all times, they can easily get the CCV number, as these numbers will be facing up while they photocopy the front of your card. Not exactly difficult to remember a 3 digit number
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Easiest solution to this.
Open an account for the exclusive purpose of being paid into.
Once payment has been processed, inter account transfer to your normal everyday account so the most anyone could stitch you up would be a weeks wages.
On another note, anyone suggesting the ridicules idea of a company requiring my bank details so that they can draw monies OUT of my account would be told to FARK RIGHT OFF.
How are you as a collective NOT burning these charlatan to the ground■■?
Grandpa:
Dinsdale:
Here’s a new one,i went to register with a agency and in the signing up process of proving my identity they insisted i allow them a copy of my bank card they say it was to prove bank details,so naturally i declined seemed like an attempt at fraud to me i’ve never been asked this before.I can’t see the problem. What details do you have on the front of your card that anyone could commit fraud with? The security numbers on the back, now that’s different. Sometimes they want a copy (never let the card out of your sight), but usually they’ll settle for the bank account details written down by you, or them. Every agency I’ve been to require this. AS tachograph says, how else would they pay you?
They need the payee name, the account number and the sort code of the bank account. They don’t need the 16 digit number or the CVV code of the debit card.
Oh dear - some misguided advice from misinformed (albeit I am sure well intentioned!) individuals.
The CVV (not CCV) is intended primarily as protection for the merchant, not the cardholder - The idea being that when it is quoted by the cardholder over the phone or online, it can be checked by the card issuer to verify that the person placing the order has the card in his possession. Merchants normally pay a little more to have their transactions “CVV checked” by the card issuer (Amazon being one example of a merchant who took the decision not to pay for this extra level of checking and rely instead on their own anti-fraud measures - and of course take the hit when they fail). The CVV is NOT needed by the merchant in order to process a payment - it just provides them with an extra layer of protection should the customer later dispute the transaction.
If a merchant is keeping records of CVVs then they may well be in breach of the terms of their agreement with the card processing company (they are specifically forbidden from retaining authentication details post-transaction), which could land them in hot water with said company if they were to be found out.
I’d be interested in knowing what the banks anti fraud people make of this, and if they have any specific recommendations.
Dinsdale are you Self Employed/Ltd Co?
I ask because it used to be standard agency practice with Ltd Co drivers to request proof you were using a business bank account in your company name, not a personal one and a copy of the card showing “Joe Bloggs Logistics Services” not “Joe Bloggs” was adequate proof.
n
Just say “Yes no problem”. Let them copy it then call the bank and request a new card with a new number as you lost the other one.
Then you either never get overpaid so they never know or you do and you claim “Oh did I forget to tell you id changed cards?” but in a tone of voice that lets them know you did it on purpose 
In all the years I’ve only every been asked for account number and sort code
Something goes wrong after you have given your bank card details out,try getting your bank to honour any loss.
Think you will find they will put the onus onto you.
A/C and sort code numbers and your NI number is all the Agency need.anything different walk away
I would have asked them for the numbers off their company credit card just in case I was ever underpaid, a more likely occurrence than being overpaid on agency. I know what their answer would be.
Never ever give out these details unless you are buying something or paying for a service from a trusted source.
just another example of the agencies practice and opinion of you as bend and take a further shafting you piece of nothing worthless limper.
have some self respect and tell them to do one.
The-Snowman:
Just say “Yes no problem”. Let them copy it then call the bank and request a new card with a new number as you lost the other one.Then you either never get overpaid so they never know or you do and you claim “Oh did I forget to tell you id changed cards?” but in a tone of voice that lets them know you did it on purpose
…I use this method to get out of “Continuous Payment Authority”. 
When a new card gets issued, the information that a firm needs to pay one (Account number & sort code) - Stay the same.
The CCV and 16 digit number however - change every time a new card is issued.
Without the latter two - no money can ever be taken out of the account.
In addition, there is nothing to stop one keeping the “old outgoing card” rather than cutting it up…
It will get swallowed if you try to use it in an ATM, and won’t be accepted in shops, because it’s deemed “cancelled”.
BUT… It will have the account number and sort code on it, so can be used “with the firewall” I’ve just defined above - when any firm wants to take a photocopy of both sides of the card.
On another note, I’ve just had a tenner each way come in second…
“Paranoid” in the 13:05 Limerick race…
I don’t suggest it pays to be paranoid - I go out and prove it, at least to myself! 
lolipop:
Something goes wrong after you have given your bank card details out,try getting your bank to honour any loss.
Think you will find they will put the onus onto you.
A/C and sort code numbers and your NI number is all the Agency need.anything different walk away
Exactly !
WhiteTruckMan:
I’d be interested in knowing what the banks anti fraud people make of this, and if they have any specific recommendations.
If the Banks listened to people’s concerns - we wouldn’t have “touch” or “swipe” cards at all. They’d all be chip ‘n’ pin, and be done with it.
How hard is it to get a refund out of Paypal whilst we’re at it?
Dunno what people are paying for here, as it seems to be a very easy way to lose money, but bloody difficult to get it back if there’s so much as a ■■■■-up…
Winseer:
When a new card gets issued, the information that a firm needs to pay one (Account number & sort code) - Stay the same.
The CCV and 16 digit number however - change every time a new card is issued.
Without the latter two - no money can ever be taken out of the account.
Hogwash. Amazon manage to take money from umpteen thousand accounts every day of the week without having the relevant CVV.
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How would they be able to take back any overpayment if they didn’t have the 3 digits on the back of the card?
So if you wanna sign up with us you have to give us access to your bank account… Why? Umm, in case we overpay you. But we promise not to buy anything online with it or anything like that, oh an we’ll keep your card details secure in my office drawer at all times.
Name & shame these characters.
n
Roymondo:
Winseer:
When a new card gets issued, the information that a firm needs to pay one (Account number & sort code) - Stay the same.
The CCV and 16 digit number however - change every time a new card is issued.
Without the latter two - no money can ever be taken out of the account.Hogwash. Amazon manage to take money from umpteen thousand accounts every day of the week without having the relevant CVV.
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You need the account number and sort code to set up a standing order or direct debit.
You need the CCV and 16 digit number to set up an instant debit card payment or Continuous payment authority.
Amazon store ALL the numbers on the current issue card as registered with them.
If you change your card, so the CCV and 16 digit number on the new card are different - then you have to register this NEW card on Amazon - or any attempts to do transactions based on the old card - won’t go through. The same applies if one has an online betting account, with the extra caveat that “winnings can only be drawn back to the card that made the payment for the bet in the first place”. This prevents money laundering where one card is used to “bet the lot”, with the guaranteed return “paid out to another card later registered”. If you make a bet, win something, lose your card, replace your card, and then try to draw down the winnings on the NEW card - it is VERY difficult to arrange. ID has to be sent through the post, which most people are not going to bother with for small winning returns of say, 2-3 figures… If you won enough money to buy a house, I guess it would be worth jumping on a plane, and flying out to the offshore offices of these online bookmakers to proffer ID in person, and take a cheque there and then… There’s still a risk of being ■■■■■■ about by the bookmaker who might still decide to make it very difficult to claim that winning bet amount, especially from a less-reputable (non-high street) bookmaker.
Amazon take direct payments as one-off transactions. If anyone hacks into Amazon’s card database - then in theory such hackers could then draw money off ANY account they come across - but only for goods and services that do not need to be verified delivered to the home address on the card. “Internet Subcriptions” are a prime way to launder such stolen payments.