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  • FIRST POST
    • Dalavich
    • By Dalavich 17th Apr 17, 7:32 PM
    • 37Posts
    • 9Thanks
    Dalavich
    N&P Closed my account!
    • #1
    • 17th Apr 17, 7:32 PM
    N&P Closed my account! 17th Apr 17 at 7:32 PM
    I've done a partial switch to my new account.

    However I went to check my N&P account to see if I owe them money or they owe me money, shock horror the account is closed!

    Now I didn't want this for 1 major reason.

    I am working abroad for a while this year, so wanted the free overseas function while I still could. Also I wanted to make sure everything HAD actually transferred over before I go abroad next week!

    Great, so now if there are any problems, I'm not in the UK to sort them out! I don't use internet banking for my own personal reasons, of having my account data breached once before while abroad, and the nightmare of sorting it out is something I don't want to repeat ever again... (once bitten twice shy!)

    Thanks YBS and N&P!
Page 1
    • molerat
    • By molerat 17th Apr 17, 7:38 PM
    • 16,477 Posts
    • 10,649 Thanks
    molerat
    • #2
    • 17th Apr 17, 7:38 PM
    • #2
    • 17th Apr 17, 7:38 PM
    What is a"partial switch" ? Did you use the switching service ?
    www.helpforheroes.org.uk/donations.html
    • blindman
    • By blindman 17th Apr 17, 7:41 PM
    • 4,908 Posts
    • 3,952 Thanks
    blindman
    • #3
    • 17th Apr 17, 7:41 PM
    • #3
    • 17th Apr 17, 7:41 PM
    What is a"partial switch" ? Did you use the switching service ?
    Originally posted by molerat
    N&P do not partake in the switching service.
    • DCFC79
    • By DCFC79 17th Apr 17, 7:49 PM
    • 29,359 Posts
    • 18,567 Thanks
    DCFC79
    • #4
    • 17th Apr 17, 7:49 PM
    • #4
    • 17th Apr 17, 7:49 PM
    If you take the relevant measures you shouldnt get a data breach.
    Je Suis Charlie
    • antrobus
    • By antrobus 17th Apr 17, 8:01 PM
    • 14,750 Posts
    • 20,933 Thanks
    antrobus
    • #5
    • 17th Apr 17, 8:01 PM
    • #5
    • 17th Apr 17, 8:01 PM
    I've done a partial switch to my new account.

    However I went to check my N&P account to see if I owe them money or they owe me money, shock horror the account is closed!

    Now I didn't want this for 1 major reason....
    Originally posted by Dalavich
    What you wanted doesn't matter, I'm sorry to say.

    The Norwich and Peterborough brand (I assume that's who you mean) is being closed down and YBS have made the decision to close all their current accounts.

    http://www.nandp.co.uk/current-account/

    All accounts are to close by 31 August.

    http://www.bbc.co.uk/news/business-38746450

    N&P do not partake in the switching service.
    Originally posted by blindman
    They have not signed up to CASS. They say they do it manually, and can do it within 12 days.

    Our switching teams will work closely with ALL providers, who have been extremely co-operative and supportive. You can choose ANY new provider and have confidence that you can switch your N&P current account.

    http://www.nandp.co.uk/existing-customers/current-account/

    I'm just not sure what a "partial switch" entails. I'd have thought that an account switch was pretty much binary.
    • Dalavich
    • By Dalavich 17th Apr 17, 9:01 PM
    • 37 Posts
    • 9 Thanks
    Dalavich
    • #6
    • 17th Apr 17, 9:01 PM
    • #6
    • 17th Apr 17, 9:01 PM
    Yes you're right, N&P aren't part of CASS. So I had to do a manual switch with my new provider, it's taken 8 weeks.

    But I asked for a partial transfer, which meant the account should've been left open.

    Yes they're closing them by the 31st August, but that meant that at least for a little while I could enjoy free use abroad still.

    And I checked the account tonight so I could transfer money (pop a cheque in their secure mail box) in ready to go abroad tomorrow, but I find my account is gone when I inserted the card. Which is also a pain, as I don't know now if the account was in credit/debit when they closed it this week.
    • Hazzanet
    • By Hazzanet 18th Apr 17, 6:28 AM
    • 1,614 Posts
    • 905 Thanks
    Hazzanet
    • #7
    • 18th Apr 17, 6:28 AM
    • #7
    • 18th Apr 17, 6:28 AM
    I'm just not sure what a "partial switch" entails. I'd have thought that an account switch was pretty much binary.
    Originally posted by antrobus
    A partial switch is what it says, it switches part of the account - i.e. the payments out only. The old account remains open unless you specifically instruct to close it at the end. This is Nationwide's take on it:

    Another way to transfer your account

    If you’d like to keep your old account open and manage your balance transfer, then maybe a partial switch is the answer for you.
    • All your Direct Debits and regular payments will be set
      up for you.
    • This service can take up to 20 working days to complete but we can keep you informed by text or e-mail throughout - all we need is your mobile number or e-mail address.
    • You’ll need to arrange for any payments going into your account such as your salary or pension to be transferred.
    • You’ll need to keep money in both your old and new account to cover any payments as this service does not offer automatic redirection.
    • You’ll need to contact any companies that haven’t updated their records so future payments are taken from your Nationwide current account.
    This service is not covered by the Current Account Switch Guarantee or the Current Account Switch Agreement as it is a separate service offered by Nationwide.
    Last edited by Hazzanet; 18-04-2017 at 11:30 AM. Reason: Dropbox problems.
    4358
    • EarthBoy
    • By EarthBoy 18th Apr 17, 12:47 PM
    • 1,686 Posts
    • 1,001 Thanks
    EarthBoy
    • #8
    • 18th Apr 17, 12:47 PM
    • #8
    • 18th Apr 17, 12:47 PM
    You could try complaining to them, but I doubt they'd be interested and you're unlikely to get anything other than a "sorry" from them. They want you gone ASAP, so the fact that they've chucked you out earlier than you wanted won't be of any interest to them.
    • Dalavich
    • By Dalavich 19th Apr 17, 8:53 PM
    • 37 Posts
    • 9 Thanks
    Dalavich
    • #9
    • 19th Apr 17, 8:53 PM
    • #9
    • 19th Apr 17, 8:53 PM
    You could try complaining to them, but I doubt they'd be interested and you're unlikely to get anything other than a "sorry" from them. They want you gone ASAP, so the fact that they've chucked you out earlier than you wanted won't be of any interest to them.
    Originally posted by EarthBoy
    This is where is gets interesting. I received three letters from them today, informing me my account was closed and as it was overdrawn (not much) they've charged me an unauthorised overdraft fee plus a high interest rate and want it settled by 20th April.

    The whole point of asking it to be left open was to clear any monies without being unauthorised.

    Anyway they've confirmed it was closed in error and they're seeing what they can do about the charges and calling me back some point. Well they'll have to wait until payday, again the whole point of a partial transfer at this point!
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