Today, I found myself embroiled in one of the most exasperating phone calls I’ve had in ages, and it involved my bank.

But hold on; there’s a twist to this tale that makes it all the more ridiculous.

As I recount my experience, it’s essential to highlight some crucial safety and security tips that everyone should take to heart.

For those who may not know me, I’m Daniel Shensmith, a barrister practicing in England and Wales.

I run the Black Belt Barrister channel, where I often delve into legal matters and consumer rights.

So, let’s dive into the conversation that left me scratching my head.

Banks typically warn us not to accept incoming calls or texts asking for personal security information.

This is because scammers often use these tactics to gain unauthorized access to your accounts.

They might ring you up, requesting details that seem harmless, but once they piece together enough information, they can wreak havoc on your finances.

In the past, I would have confirmed my date of birth or other identifying details over the phone.

However, after realizing how easily fraudsters can spoof phone numbers, I became much more cautious.

Many people have lost their life savings by falling prey to this scam, believing they were speaking to legitimate bank representatives.

The danger lies in the fact that scammers can send you a code via text, and if you read it back to them, you just handed over access to your account.

Now, let’s talk about my situation.

Every so often, businesses must fill out forms detailing their operations and any changes over the past year.

After recently submitting such a form, I received a call claiming to be from my bank, wanting to follow up.

Given the context, it seemed plausible that it was indeed the bank reaching out.

However, when they asked me to confirm my postcode and company name, I immediately said no.

I needed proof that they were who they claimed to be.

This led to a standoff where they insisted on security details, while I stood firm, refusing to share my information without verification.

It felt like a game of verbal chess, with neither side willing to budge.

I suggested they send me a secure message through my online banking system, something I could trust.

Instead, they proposed sending me a text message, which only heightened my suspicions.

I was not about to provide a code sent via text to someone I couldn’t verify.

Ironically, banks themselves advise against this practice on their websites!

Despite my gut feeling that this was the bank calling, I stuck to my principles.

I had previously contacted the bank through their official number to confirm a similar call.

They assured me it was legitimate, but even then, I remained skeptical.