In the past, I only needed QTMC 2fa, when I try to log in there.
Where I try to log into QFF, in the past just QFF #, surname, and pin code, now going into QFF also needs QF 2fa.
On the more modern phones, you can set up harassment filter, ie, numbers from our friends at the Aust NBN network, or the Indian car accident helpline
I must have activated harassment filter, as I tried to go into my QFF account, and no cuckoo noise, it was there yesterday, when I came back from Auckland.
Under 124356789, there are 3 horizontal lines, up comes, speed dial, call log, harassment filter, so if no sms, check and see if the harassment filter picks up it as a scam.
My 6 digit code was there.
Went to QFF, logged in, and changed the 3 questions, you can pick by using the mouse, there are 6 per each question, so a combo, 6x3 of 18 variables, that a scammer has to try.
You don't have to make any sense, so long as you have written down the question, and the answer you want.
It accepts all numerics for my answers.
Ok, so that is now done, for me.