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Michael's blog archive

2011 (1) 2010 (2) 2008 (3)
Michael Fuller

Michael Fuller

Former Retail Banker at None
Posts: 6 Comments: 56
Bio Since 1997 I have left the financial sector and am Company Secretary for a large national Housing Association with responsibilities which include regulatory reporting from our data warehouse. Career History Joined Midland Bank in 1975 and spent 21 years in a variety of mainly retail staff and management roles. Culminated in 1997 when I spent a short time working on a revamp of the Bank's website.



Who I am and not what's my limit?

26 Sep 2011

It's not the first time that Banks have asked me daft questions in order to identify me. Every few years of course I have to be sent a new card and as part of that process I have to "activate" it. What do Banks need to know? First that I have received the card and second that I am who I claim to be. By all means ask me about the card I ha...


3-D Insecure -possible heresy

28 Jan 2010

It's interesting both that there have been no comments so far about this story and that there are quite a number of other blogs where the value of 3-D secure has been questioned. This seems to be an example of the Emperor's new clothes where everyone knows he is naked but won't admit it. My experience of 3-D secure tends to support the Cambridge



Citi Cards UK direct debit failure

01 Jan 2010

Citi Cards UK today admitted to me that they had failed to collect direct debits on a number of customer credit card accounts the result of which was that a £12 late payment fee has been applied. Fortunately I noticed the fee when checking my account on-line and was able to contact Citi straight away to get them to put it right. The Direct Debit sh...


Convenience Store ATM Fraud

19 Nov 2008

About eight weeks ago I got my wife and I Shell MasterCards from Citi to buy fuel with. This was prompted by the offer of 3% off our fuel purchases at Shell. (6% in the first 60 days from account opening). This morning (17 November) I got a text from Citi telling me my account balance. It was £1600 more than I had expected so I tried to log on to


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