I Keep Getting Offers Like This
This is an offer, I received from Nationwide.
Make things happen in 2025. You could borrow £7,500 – £25,000 over 1 to 5 years with a rate of 5.9% APR Representative.
Note.
- I have banked with them for probably twenty-five years.
- I got this after, I had successfully logged in.
- I don’t really need the money.
I have also received unsolicited offers from other well-known banks.
In Is Internet Security Sometimes Over Secure?, I described how eBay seemed to have stopped me from using my credit cards on-line.
Marks & Spencer cleared that bother up for me and the offers started after they did.
But at least, since the trouble with eBay, I’ve not lost anything to scammers, although eBay might have.
Is it just a coincidence, that the offers started after Marks & Spencer cleared up my credit rating or does it always happen, when your credit rating improves?
It could also be that the banks have masses of money to lend and no-one is borrowing anything.
Is Internet Security Sometimes Over Secure?
On Friday the 13th December, I received a Purchase Confirmation from eBay by e-mail.
As I get lots of spam e-mails, I decided it was just the usual spam and ignored it.
But then I got thinking.
- I have never bought anything on eBay.
- I sold a lot of surplus things, when I last moved house on eBay and was very satisfied with their service.
- The purchase was for a watch and I don’t wear one.
- It was also an Apple watch and as the company has given me so much grief on their non-standard co9mputer and file formats , when I was a programmer, I never buy or use any Apple products.
- It was also for £650, which is never the sort of sum, I ever would pay for a watch.
So I did all the safety checks on my bank accounts and credit cards and found everything was as it should be.
On the Purchase Confirmation from eBay is a 0204 phone number offering help . So I rang it on the Saturday.
My call was answered by a male operator with a slight accent, but speaking good English.
- After I gave him the Order ID, he said that eBay had closed my account because of inactivity.
- I have since found an e-mail from eBay saying they were closing my account and I remember answering it, but as I felt I didn’t need the account, I took no action.
- The operator, then said that someone had reactivated the account and told me that this needed documents like Council Tax to prove I lived at the house.
- He then asked if anybody lived with me. I told him no, as I’m a widower in perhaps a rather curt manner, as I don’t like being accused of a crime.
- I then realised that this was an inside job, from my experience of working with police forces, banks and consultants in stopping crime.
- I told him my thoughts in a quiet way.
He then said he’d close the account and the conversation ended.
On the Monday, I decided I wanted to go to see the new Northumberland Line on the Wednesday.
- So I decided to book online using Lumo to Newcastle.
- Before entering your bank/credit card number, Lumo ask for your name and address.
- I didn’t get past the name and address entry, probably because, I suspect eBay had put my name and address on a black-list!
In the end, I bought my tickets at the King’s Cross station ticket office using a credit card. At least they were the same as the on-line price.
It was a good trip and I wrote about it in London And Newcastle In A Day By Lumo and My First Trip On The Northumberland Line – 18th December 2024.
Conclusion
I have phoned Lumo, most of my banks and credit cards, Action Fraud, the BBC, the police and I still can’t find out how I get myself off this accursed black-list.
The only good thing, is that I have not had ay money taken out of my bank account.
I have also reported the fraud to the Metropolitan Police and got a crime number for it.
The Anonymous Widower 