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Require 2 factor authentication to sign up for payforit texts

By: andy69 | 12-08-2018 18:00

A lot of people are asking about being charged for payforit texts when they didn't subscribe to them in the first place. And how to stop further charges and get your money back. One way would be to require that the initial text is not charged for but is replaced with a text asking you to authorise the subscription. If you want to receive them, then you just follow the instructions in the text to authorise it. It could be follow a link or reply by text. After authorisation, you receive the original text and are charged. If you don't authorise it, you just ignore and no charges are applied.


by: ngreenall
on: 21-03-2019 19:00

I haven't given out my phone number or clicked on any websites. I have been scammed out of £4.50.

Its a disgrace that this goes on in 2019 in the UK.

by: chrisbaldy
on: 21-03-2019 17:54

Changed my number and got scammed again. Don’t access these sites, don’t want these services and GiffGaff just say I am responsible for charges after their sytem has been comprimised and numbers released to criminals. They take no responsibility for looking after customers money or data. 2 factor autherisation is well over due. Although PSA recommendations may have something to do with this bright idea. Can’t keep changing numbers and can’t have credit.

by: helen_starkey
on: 17-03-2019 20:28

great idea

by: davidjsmith67
on: 03-03-2019 08:36

More items to consider:

1. Add an option to "Air Time Credit" usage to allow or disallow Premium Rate Texts - i.e. like an Adult Content filter. That would stop this right away, as you (giffgaff) would reject the charge request from the mobile payment provider where we (the customer) have clearly said "no" to premium rate charges.

2. Use an anti-spam requesting number filter.

If you know the "mobile payment providers" e.g. mGage are requesting charges from a particular origin number, then stop the charge being taken and validate their request with your "paying customer" before you (giffgaff) allow the charge to be deducted from air time credit. If we (the customer) says "no" then stop the charge! The mobile payment provider will then have to push this issue back to their customer to resolve.

3. Use an anti-spam text filter the premium rate messages at the "text" level. These unwanted charging premium text messages appear to have exactly the same content, e.g. Just4Life Nexgen Ltd. If you detect the "suspicious" content in the message, then ask your customer to confirm the charge before it is made.

4. Retrospective authorised billing. Assuming the customer has air time credit on the account, only allow the mobile payment provider to be paid after your customer has confirmed the charge, e.g. at the end of 7 to 30 days. If the customer rejects the charge, the mobile payment provider is not paid and their client has to take proceedings against their customer to recover the money they believe they are genuinely owed.

5. Premium rate billing account. When a premium rate text is detected by giffgaff charge this to a separate "premium rate" account (like air time, but solely for premium rate texts), where credit is allocated by the customer. If the value is zero then the mobile payment provider cannot charge the account.

by: buffydemus
on: 01-03-2019 10:13

hot deals guru, the number to unsub is the same as the other pay for it scams, all coming from the same place.

I called them I asked can you tell me exactly when and where I signed up for this service and the woman lied, she said I went onto my hot deals guru website and subbed to the service, this is completely false and I have gone back through my browsing history and at no time did I go on this website, I basically had a go at the woman for lying and she hung up on me but I got a text to say I was unsubbed.

Please giff gaff block this **** from happening! It is a scam, the people are liars, the woman blatantly lied on the phone and I can prove I never went onto hot deals guru.

by: gvmhb
on: 25-02-2019 18:13

Very good idea.

by: maccaroon13
on: 23-02-2019 17:53

Indeed!!! I have 4 at least of these in a short period of time and today another saying Payme. Would appreciate any help instead of bleeding money away to something you don't want.

by: muggles708
on: 19-02-2019 18:35

Some good news for a change. The PSA has finished its consultation on Subscription Services. I was pleased to see so many consumers responding to the consultation, to the extent that I don't think they were able to turn their backs on the problem!

There is a lengthy consultation document, and the responses can also be read on the PSA website.

The recommendations from the consultation include, amongst other things, a requirement for two factor authorisation for ALL subscription services. I wonder whether GiffGaff will now do something and tell us how wonderful they are at listening to their members. It looks as though the days of the Payforit scam may be numbered.

Details are on the PSA website. I can't seem to insert a link to the PSA site here!

They are now consulting on the proposals to introduce the new "Special Conditions" required to introduce the changes they are proposing. Please do respond to this. It would be a disaster if this failed at the final hurdle!


by: andy69
on: 20-02-2019 13:49

The PSA link is https://psauthority.org.uk/news/news/2019/february/consultation-on-new-special-conditions-for-phone-paid-subscription-services

by: noelpearson
on: 18-02-2019 11:14

I've just received a text from Games Network from Noatel saying I'm signed up to them and going to pay £4.40 a week. I have not signed up and want this stopped.

Texted STOP to 64055 but returns as undelivered. Ideas?


by: lgmuk
on: 18-02-2019 10:57

Please instigate this, Giffgaff.