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  • FIRST POST
    • clivep
    • By clivep 10th Nov 17, 2:38 PM
    • 220Posts
    • 95Thanks
    clivep
    Changing linked account on Birmingham Midshires Internet Saver
    • #1
    • 10th Nov 17, 2:38 PM
    Changing linked account on Birmingham Midshires Internet Saver 10th Nov 17 at 2:38 PM
    For a new Internet Saver I have to send in a cheque from my nominated linked current account. Once fully operational, can I then change the linked account to a current a/c that does not have a cheque book?

    I read the posts in another thread about this but they were mostly opinions on the t's & c's rather the what actually has been found to be the case. One helpful post said that they had changed their linked a/c with no cheque being asked for but did not say whether this was done online or by phone - also a cheque could have been asked for by letter at a later date..

    I've just received the letter confirming my a/c number and that no further id documents are required. The cheque requested is stated as being to validate the Linked Account (so apparently NOT for ID purposes?).

    In the t's & c's there is no mention of the linked a/c needing to have a cheque book...

    "• linked account is an account that you nominate to make and receive transfers by electronic payment to and from your Birmingham Midshires internet or telephone account. It must be an account in your name(s) held with a bank or building society which is part of the United Kingdom clearing system.

    3.11 You can change your linked account by giving us instructions over the telephone, online or by post. It will take ten bank working days from us receiving your instructions to complete the change so that you can transfer funds to and from your linked account.

    3.12 Where your linked account is a current account and we are notified by a UK banking industry payment scheme such as the Current Account Switch Service that you have switched your current account to another bank we will update your instruction with the new sort code and account number to make sure that your payment reaches the correct account within the agreed timescales.

    6.10 We can also refuse to carry out a transaction if you tell us that you want to change the account that is your linked account until we have had time to verify the details of your new linked account (see condition 3.10)".

    ... although I suppose the "verify" in 6.10 could mean that a cheque could be requested???

    Interestingly the on-line FAQ's only seem to mention being able to change the linked a/c by telephone...

    "How can I change my Linked Account?
    To change your Linked Account, call us on 0345 602 2828 (lines are open 8am-8pm, Monday to Saturday). Your Linked Account must be able to receive payments through the Faster Payments Service.
    If you change your Linked Account, it will take 10 bank working days to set up your new Linked Account. During this time, you'll be unable to make any deposits into your account. You'll also be unable to make any withdrawals for 5 bank working days".

    ... so also no mention about the new Linked Account needing a cheque book.


    Please can someone who has changed their Linked Account and subsequently taken a direct debit successfully give a definitive answer on this.
Page 2
    • Al Ross
    • By Al Ross 18th Nov 17, 11:42 AM
    • 368 Posts
    • 74 Thanks
    Al Ross
    For a new Internet Saver I have to send in a cheque from my nominated linked current account. Once fully operational, can I then change the linked account to a current a/c that does not have a cheque book?

    I read the posts in another thread about this but they were mostly opinions on the t's & c's rather the what actually has been found to be the case. One helpful post said that they had changed their linked a/c with no cheque being asked for but did not say whether this was done online or by phone - also a cheque could have been asked for by letter at a later date..

    I've just received the letter confirming my a/c number and that no further id documents are required. The cheque requested is stated as being to validate the Linked Account (so apparently NOT for ID purposes?).

    In the t's & c's there is no mention of the linked a/c needing to have a cheque book...

    "ē linked account is an account that you nominate to make and receive transfers by electronic payment to and from your Birmingham Midshires internet or telephone account. It must be an account in your name(s) held with a bank or building society which is part of the United Kingdom clearing system.

    3.11 You can change your linked account by giving us instructions over the telephone, online or by post. It will take ten bank working days from us receiving your instructions to complete the change so that you can transfer funds to and from your linked account.

    3.12 Where your linked account is a current account and we are notified by a UK banking industry payment scheme such as the Current Account Switch Service that you have switched your current account to another bank we will update your instruction with the new sort code and account number to make sure that your payment reaches the correct account within the agreed timescales.

    6.10 We can also refuse to carry out a transaction if you tell us that you want to change the account that is your linked account until we have had time to verify the details of your new linked account (see condition 3.10)".

    ... although I suppose the "verify" in 6.10 could mean that a cheque could be requested???

    Interestingly the on-line FAQ's only seem to mention being able to change the linked a/c by telephone...

    "How can I change my Linked Account?
    To change your Linked Account, call us on 0345 602 2828 (lines are open 8am-8pm, Monday to Saturday). Your Linked Account must be able to receive payments through the Faster Payments Service.
    If you change your Linked Account, it will take 10 bank working days to set up your new Linked Account. During this time, you'll be unable to make any deposits into your account. You'll also be unable to make any withdrawals for 5 bank working days".

    ... so also no mention about the new Linked Account needing a cheque book.


    Please can someone who has changed their Linked Account and subsequently taken a direct debit successfully give a definitive answer on this.
    Originally posted by clivep
    Hi,

    Did anyone give a clear answer here, because I have the same question. That is, once your account is up and running, can you change your D.D payment to a different account, one that doesn't have a cheque book. In my case I want to change it to a Bank of Scotland Vantage account.
    • badger09
    • By badger09 18th Nov 17, 12:24 PM
    • 5,567 Posts
    • 4,876 Thanks
    badger09
    Hi,

    Did anyone give a clear answer here, because I have the same question. That is, once your account is up and running, can you change your D.D payment to a different account, one that doesn't have a cheque book. In my case I want to change it to a Bank of Scotland Vantage account.
    Originally posted by Al Ross
    Yes at least 1 person has given a clear answer that you can do this.

    (I CBA searching for the posts)
    I'm a supporter of dunstonh
    • pearl123
    • By pearl123 29th Nov 17, 9:31 PM
    • 1,261 Posts
    • 1,871 Thanks
    pearl123
    Birmingham Midshires
    I am in the process of opening an account following the MSE item about it but I have to say it is strange and alarming the amount of time it takes to send a user name so you can activate your account. In these days of scams the time they take causes stress and worry particularly as they say five working days when they mean ten and they say they send it out by first class post and they don't, they apparently use UK mail.
    During this time you have no access to your account.
    My deposit was taken from my bank on the 7th November and I am still waiting for this letter.
    Very unhappy about it and have complained.
    Originally posted by Robin47
    I sent a cheque about two weeks ago. No money has been taken out of my account yet. It's taking so long to set up. I'm wondering if i should send another cheque? Is anyone else waiting a very long time?
    • claire07
    • By claire07 30th Nov 17, 6:13 AM
    • 494 Posts
    • 145 Thanks
    claire07
    Yes I am. Sent original cheque beginning of November and not taken from bank account. Despite several calls chasing it up and being told they were very busy still nothing. I've had no user name, password or activation details so don't trust putting anything else in.



    In the time I've been waiting I've been able to open a Charter and Paragon Easy Saver and pay in with no problem so whenever it is finally opened the first thing I shall do is close it.
    • pearl123
    • By pearl123 30th Nov 17, 10:20 AM
    • 1,261 Posts
    • 1,871 Thanks
    pearl123
    Yes I am. Sent original cheque beginning of November and not taken from bank account. Despite several calls chasing it up and being told they were very busy still nothing. I've had no user name, password or activation details so don't trust putting anything else in.



    In the time I've been waiting I've been able to open a Charter and Paragon Easy Saver and pay in with no problem so whenever it is finally opened the first thing I shall do is close it.
    Originally posted by claire07
    Glad to know itís not just me. Iíve also managed to set up a Tesco internet saver within minutes.
    • Nick_C
    • By Nick_C 30th Nov 17, 11:31 AM
    • 3,130 Posts
    • 4,159 Thanks
    Nick_C
    I activated my Birmingham Midshires account last week, but it's slow moving money in and out, so I decided to open a new account with Tesco. (I already had two accounts with Tesco). Opened the account on Monday. Funded it. Now I can't take any money out! I'll give them a call, but it's frustrating. Seems to be a common problem.
    • ColdIron
    • By ColdIron 30th Nov 17, 11:34 AM
    • 3,657 Posts
    • 4,400 Thanks
    ColdIron
    They don't allow withdrawals for the first 48 hours after opening the account. Apparently it's a manual action and they can get backlogged but a phone call usually sorts it out. I don't move much into it until I can withdraw
    • Nick_C
    • By Nick_C 30th Nov 17, 11:44 AM
    • 3,130 Posts
    • 4,159 Thanks
    Nick_C
    They don't allow withdrawals for the first 48 hours after opening the account. Apparently it's a manual action and they can get backlogged but a phone call usually sorts it out. I don't move much into it until I can withdraw
    Originally posted by ColdIron
    Thanks for that.

    Its been more than 48 hours now. I transferred money in on Monday. Luckily I don't need immediate access to the money, it's just an inconvenience. Its bad though, as the money shows as available and it's meant to be instant access. I didn't spot anything in the T&Cs about this.
    • pearl123
    • By pearl123 6th Dec 17, 1:29 PM
    • 1,261 Posts
    • 1,871 Thanks
    pearl123
    I opened a BMidshire account on the 9/11/17 and I'm still waiting for a user name. Nearly, a month later.
    I presume the user name is that last thing to arrive?
    • Plus
    • By Plus 6th Dec 17, 2:18 PM
    • 245 Posts
    • 179 Thanks
    Plus
    I assume the Direct Debit means you can do regular deposits from the linked account, but can you also do regular withdrawals? ie set up something like a standing order to pay £x every month to the linked account?
    • clivep
    • By clivep 6th Dec 17, 3:25 PM
    • 220 Posts
    • 95 Thanks
    clivep
    I assume the Direct Debit means you can do regular deposits from the linked account, but can you also do regular withdrawals? ie set up something like a standing order to pay £x every month to the linked account?
    Originally posted by Plus
    No.

    For withdrawals you specify an amount and date. "Note that the date of your withdrawal must be within the next 30 days".
    • bubieyehyeh
    • By bubieyehyeh 6th Dec 17, 8:31 PM
    • 361 Posts
    • 101 Thanks
    bubieyehyeh
    I opened a BMidshire account on the 9/11/17 and I'm still waiting for a user name. Nearly, a month later.
    I presume the user name is that last thing to arrive?
    Originally posted by pearl123
    I'd give them a ring, I applied in October and still haven't got the username. When I rang 3 weeks ago they said wait another week. When I rang last week they agreed to sent it out again.

    Not greatly impressed so far.
    • pearl123
    • By pearl123 8th Dec 17, 1:48 PM
    • 1,261 Posts
    • 1,871 Thanks
    pearl123
    Its taken 32 days for my BMidshires account to be up and running. By that i mean I finally have access. Non cleared funds so far.

    I though the post office had a slow system when I used them years ago, but BM is even worse. I realise that they've probably had huge numbers applying.
    When I opened a Tesco account it was almost instant.
    • claire07
    • By claire07 8th Dec 17, 2:25 PM
    • 494 Posts
    • 145 Thanks
    claire07
    Mine was opened on 2 November and I was sent the account number and direct debit details. Since then nothing.


    Each time I chase it I am told they are very busy and to be patient(!) They seem to have totally lost the first cheque and heaven knows where the second one is.


    To add insult to injury they increased the rate to 1.45, were swamped and then withdrew it so by the time I eventually get the user name and activation code I 'might' get the increased rate for 10 months not a year!


    Why oh why couldn't they let you pay the opening amount online rather than having to send in a cheque by post which is what is causing all the problems in my case.
    • clivep
    • By clivep 11th Dec 17, 4:10 PM
    • 220 Posts
    • 95 Thanks
    clivep
    So to answer my original post...

    The linked a/c can be changed online to one that doesn't have a cheque book. When you do this it states "If you change your Linked Account, it will take 10 bank working days to set up your new Linked Account. During this time, you'll be unable to make any deposits into your account. You'll also be unable to make any withdrawals for 5 bank working days".

    Once my a/c was set up with the £1 cheque cashed and the 1st DD taken, I set about changing the linked a/c on 29th November. On 1st December I noticed my a/c was no longer showing online. I thought it may reappear after 5 working days but this was not the case.

    I received paperwork from them confirming the new linked a/c details but there was still no online access.

    I've just telephoned them. 60 minute call with the first 40 minutes on hold waiting for an advisor. Apparently the a/c had been blocked, presumably due to suspicious activity. After further security questions the block was removed and I can now see the a/c online again.

    The exact same situation was experienced with changing the linked a/c for my wife's Internet Saver.

    I don't know whether of not waiting a longer time before changing the linked a/c would have worked without getting a block. There's certainly nothing in their information about changing your linked a/c that tells you that it could cause a block.
    Last edited by clivep; Yesterday at 4:17 PM.
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