And now for something completely different - telephone systems. It’s a long one, so apologies in advance.
I hope there are some telecom techies out there, because it's getting serious. Oh, and I I should mention that I use an old iPhone 7, but I don't think that is contributing to the problem.
I have lived in Thailand since 2004 and have used the same bank all that time - Santander UK.
I use my son's UK address as my contact address for things like replacement cards or general printed bumf. They also have my email address which they occasionally use to notify me a statement is available to download, although email is never used for real communication.
More importantly, they have my Thai phone number as my only contact number. And that is where the problem lies - it doesn't ring when they call me or even register a missed call or even send an SMS to warn me of a missed call.
I was shocked last Friday when my son sent me a photo of a letter saying they had suspended my account. I rely on my various pittances of pensions being transferred every month and that would seriously affect me.
I called them immediately and a fairly snotty clerk said 'well, we've been calling you since Dec 15th last year and you've refused to answer'. After I chewed her out for her remark, (how would she know I 'refused'?) and was transferred to someone with more knowledge, I suddenly remembered that I had the same problem about 3 years or so ago, of which more below.
What happens is that someone from the bank calls me from the UK using their system, but I don't get receipt of the call, no ringtone, no missed call message, nothing whatsoever. Eventually I get a snail mail letter to my son's address, despite them having my email address, so there's a downvote from me immediately.
Last time a few years ago, I got a great tech support girl in Belfast, Northern Ireland, who let me speak to her big boss and after a lot of testing, they said something was wrong with their system and it was promised they would look into it. Obviously they didn't.
When I received the latest letter via my son last Friday I immediately called them. The more professional support lady listened this time and told me that due to financial regulation changes, I had to re-supply even more information and that was the reason why they made all the non-received calls.
She sent me a link where I could upload various data and I did that. Hopefully that will solve the lack of documents they need.
BUT there’s another twist to this. If I make an online purchase in Thailand using my UK credit card, sometimes it’s declined. Later, I’ll be randomly checking my phone and I’ll see a missed call from a long UK number (which I now know is my bank), but have never received a call, no ringtone, no vibrate, as above. I can’t call the missed number back because it’s automated. But at least I can receive and SMS on the ame number.
I have to call the bank’s international number in the UK (at my expense) and after lots of announcements and music, I get someone. I have learned that these are calls from the bank to confirm it was me who was making the online CC purchase so that is sort of OK, BUT I still don’t get a call or SMS ringtone. However, I do at least get a missed call indicator, unlike the calls made by a real person.
This is potentially serious, especially as this time they restricted my account. Luckily, I still have the email address of the previous excellent support girl from the previous problem and have emailed her chapter and verse, so I hope she gets back to me on Monday.
What I’d like to know is why this is happening. Obviously it was never rectified before when I told them about it 3 years or so ago, despite the manager telling me it looked like it was their system at fault and promising to have it investigated.
I asked my Thai phone provider yesterday if there could be some problem with receiving calls from the UK but he said not at all, although he was good enough to reset my number in case.
The only thing I can think of is that the bank’s phone system doesn’t allow international calls to some countries but hasn’t told the staff, so when they try to call me, they’ll hear a ringtone instead of a message that says ‘Sorry, calls to this country are restricted’ so they are none the wiser. That might also explain the lack of a missed call indicator too, because the calls are never actually being made. They just disappear into the ether.
The credit card verification calls ARE made because the system is automated but there’s still no ringtone, although it looks like the system is programmed to send an SMS when there’s no answer.
What I'd like to explore is that, on this hopefully erudite group, does anyone on here have experience of computerised telephone systems and their quirks?
What might be the reason for not hearing a ringtone, a vibrate or a missed call message when the caller swears they are hearing a ringtone and to their mind, the call is being made?
Are there any experts out there? It could be that their UK phone system is different to a US system, but with luck they are similar enough for a US reader to comment.
I can’t risk having my account restricted again. Sorry for the length but this situation has really bugged me, especially as it’s happened twice now.
Oh, and PLEASE don't tell me to use Wise etc, because I've been doing that for over 5 years with no problem, and it isn't feasible to change my UK bank. I only mention this because I posted the above on Facebook on Saturday and typically, no one read or comprehended the question properly and started to blither on about using Wise (I do), opening a Thai bank account (I have 3) and everything else but not even touching the point of the post which in summary is -
1) When my UK bank calls me, I don't get a ringtone, vibrate, or missed call message
2) If the bank calls to query a credit card purchase in Thailand, I don't get a ringtone or vibrate, but I DO get an SMS that they tried to call and asking me to call back on a number they give, but when I try calling that number, it doesn't work. I hear nothing.