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you answered my question earlier about the Halifax... I am still having problems logging on... I get to the first screen asking for user name and pasword and then on the next page there is one field asking for my whole memorable data... there are supposed to be three fields asking for example character 1,3 and 5... am I being directed to a dodgy replica site. I have Virgin media security and it says its all ok. I am noticing sometimes I'll click on a particular web site and it takes you to a strange search engine... (it's different each time) help !! thank you