Is it just Yorkshire or are the security measures to prevent fraudulent use of a debit cards hopeless?

I use my debit card to make online payments all the time.

Occasionally I'm asked to validate my identity by entering my password in a pop up window

(cant remember who's technology it is Sage? WorldPay?)

I can never remember so I click forgotten password.

I'm then asked to reset my password using only the information that's on the card in my hand.

Sort code; expiry date; and security number.

As a result I can reset my password and carry on.

So too can the thief that has stolen my card and is using it to make fraudulent payment.

Is it just me?

I called Autoglass for a replacement windscreen quote.

As it happens the windscreen on my new car is fine but I wanted to know how much a replacement would cost for insurance purposes.

The telephone sales person took the registration and looked up the model.

I was asked did I need it replacing now" and I answered yes. "That will be £950".

I said OK thanks.

I was then asked "did I want to book an appointment?". I said no thanks....

"but you said you needed it now"

Yes but its too expensive, I'll look elsewhere.

"If you book an appointment today you'll get 10% discount £855"

No, I still think its too expensive and I'll look elsewhere

"just before you go I'm authorised to offer you another 12% discount if you have it fixed today" making it £752"

No thanks, I'll still look elsewhere.

A staggering £200 reduction in just 3 minutes.

Had I really been standing next to a vehicle with a shattered windscreen or a person a little more vulnerable I probably would have taken the first price.