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  • FIRST POST
    • JustAnotherSaver
    • By JustAnotherSaver 12th Feb 18, 9:48 PM
    • 2,840Posts
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    JustAnotherSaver
    First Direct text alerts not very good?
    • #1
    • 12th Feb 18, 9:48 PM
    First Direct text alerts not very good? 12th Feb 18 at 9:48 PM
    I'm hoping some of you have text alerts on with First Direct and can comment.

    My brother is with FD & has a few alerts set up as his balance hits & passes certain amounts.
    Basically he gets paid, this gets transferred to a savings account & then at the end of every week he (via standing order) 'pays' himself an allowance to his first direct account for that week.

    He has 5 alerts in total (yes i know there'll be some reading ... 'why would you need 5' but anyway...) the lowest two of which are when he hits £15 or below and then when he hits £1 and below.


    Now i was expecting a text along the lines of - you have hit your £xx.xx balance, your balance is currently £xx.xx each time he hits/passes a preset figure.

    But instead he gets all sorts of babble. A list of recent transactions so he doesn't actually know what limit he's just passed at all.

    Is this what others are getting with their text alerts? I just think it's a potentially good service that seems to be carried out very poorly.

Page 1
    • TheShape
    • By TheShape 12th Feb 18, 10:36 PM
    • 1,238 Posts
    • 1,039 Thanks
    TheShape
    • #2
    • 12th Feb 18, 10:36 PM
    • #2
    • 12th Feb 18, 10:36 PM
    For the weekly balance reminder (I get mine every Friday) the first figure is your current balance. This is followed by a list of the last five transactions.

    The balance alerts normally state balance above/below (it doesn't give the figure which it is above or below) then the current balance and the last transaction.
    Last edited by TheShape; 12-02-2018 at 10:40 PM.
    • Pudding123
    • By Pudding123 12th Feb 18, 10:41 PM
    • 4 Posts
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    Pudding123
    • #3
    • 12th Feb 18, 10:41 PM
    • #3
    • 12th Feb 18, 10:41 PM
    Could it be the type of phone? I think best get in contact with them, I'm not with first, but i hear their customer service is top notch.
    • TheShape
    • By TheShape 12th Feb 18, 10:44 PM
    • 1,238 Posts
    • 1,039 Thanks
    TheShape
    • #4
    • 12th Feb 18, 10:44 PM
    • #4
    • 12th Feb 18, 10:44 PM
    I expect the problem with having a balance alert for going below £15 and also for going below £1 is that a single transaction could take the balance from above both limits to below both and so trigger both alerts simultaneously. Is this what appears to be happening?
    • sausage_time
    • By sausage_time 13th Feb 18, 7:52 AM
    • 92 Posts
    • 22 Thanks
    sausage_time
    • #5
    • 13th Feb 18, 7:52 AM
    • #5
    • 13th Feb 18, 7:52 AM
    I think they are being merged into a single alert. For example, if I have a credit on the same day as my weekly transaction list, I don't receive my separate credit alert. Once you can read the transaction list it kinda makes sense, see the post by TheShape above.

    Some of the challenger banks probably do a better job of this kind of thing.
    • takman
    • By takman 13th Feb 18, 11:50 AM
    • 3,085 Posts
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    takman
    • #6
    • 13th Feb 18, 11:50 AM
    • #6
    • 13th Feb 18, 11:50 AM
    You would be better off advising your brother to use an account like Monzo or Starling for his weekly budget. Every time a transaction is made on the account you get a notification of how much was spent and what the current balance is. This is also a live balance so no chance of a payment taking a few days to be debited and not knowing the true amount in the account.
    • JustAnotherSaver
    • By JustAnotherSaver 13th Feb 18, 8:42 PM
    • 2,840 Posts
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    JustAnotherSaver
    • #7
    • 13th Feb 18, 8:42 PM
    • #7
    • 13th Feb 18, 8:42 PM
    After i posted this we figured out what that first number was all about. It was throwing me to begin with but then i checked back here & had it confirmed.

    We'll see about having only 1 alert to see if it works better. Like you say, if he dropped to £20 then this would be a trigger for 3 alerts really so maybe moving it to only 1 alert may work better.
    no chance of a payment taking a few days to be debited and not knowing the true amount in the account.
    Originally posted by takman
    I think this is what is catching him out. Buying on eBay and then it taking a few days to register or paying by card at the weekend and then taking an extra day or so to register.

    And then bank holidays caused an issue last year, especially Easter.

    • bobobski
    • By bobobski 13th Feb 18, 11:00 PM
    • 701 Posts
    • 1,600 Thanks
    bobobski
    • #8
    • 13th Feb 18, 11:00 PM
    • #8
    • 13th Feb 18, 11:00 PM
    If your brother runs his finances this tight surely he'd benefit from checking his balance daily rather than just relying on text alerts. It takes me all of 5 seconds (if that) to sign in, check balance and close with First Direct - hardly time consuming - could be done while brushing teeth or engaging in other bathroom activities (even shower with waterproof phones these days!).
    #8: Save 12k in 2018: £1,006.12 / £14,000 (7.18%) | #18: Save 12k in 2017: £12,078.82 / £12,000 (100.65%) | #86: Save £12k in 2016: £8,476.09 / £10,000 (84.76%)
    House deposit by 31/12/2020: £22,927.36 / £60,000 (38.21%) | Emergency fund by 31/12/2020: £1,900.00 / £5,000 (38.00%)
    • JustAnotherSaver
    • By JustAnotherSaver 13th Feb 18, 11:25 PM
    • 2,840 Posts
    • 460 Thanks
    JustAnotherSaver
    • #9
    • 13th Feb 18, 11:25 PM
    • #9
    • 13th Feb 18, 11:25 PM
    If your brother runs his finances this tight surely he'd benefit from checking his balance daily rather than just relying on text alerts. It takes me all of 5 seconds (if that) to sign in, check balance and close with First Direct - hardly time consuming - could be done while brushing teeth or engaging in other bathroom activities (even shower with waterproof phones these days!).
    Originally posted by bobobski
    you're right, he would benefit from it

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