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Co-op Bank automated call informing you that there are insufficient funds to cover a payment. The security is basic and asks you to confirm your date of birth in three stages giving multiple choice. Despite an earlier comment, you are not charged for the call by BT as it is incoming! (Most providers don't charge for 0345 calls anyway!) You have the option of speaking to a person but you can go online and resolve it if you so wish. They will also send an email! Very useful feature and the Co-op are to be pra
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