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  • FIRST POST
    • MarcoM
    • By MarcoM 14th Feb 18, 1:30 PM
    • 479Posts
    • 64Thanks
    MarcoM
    Reference numbers for chaps etc into NSI account
    • #1
    • 14th Feb 18, 1:30 PM
    Reference numbers for chaps etc into NSI account 14th Feb 18 at 1:30 PM
    Hello,


    Has anyone had problems with banks not understanding the
    concept of Account No and Reference No when it comes to sending money to buildings societies and or institutions like Ns & I?


    I instructed my bank to carry out a transfer but they did not have a reference entry on their electronic template.
    So they put sort code, account no and the reference was put in a box called "message to beneficiary". Does not sound right to me.


    the reference is required by NS & I to credit the correct account.


    I won't know for a couple of days if the transaction was successful. Worst case scenario do you think the money will bounce back automatically or do the likes of NS & I hold it in a suspense account ?


    Anyone had similar issues before?


    thanks
Page 1
    • MarcoM
    • By MarcoM 14th Feb 18, 2:34 PM
    • 479 Posts
    • 64 Thanks
    MarcoM
    • #2
    • 14th Feb 18, 2:34 PM
    • #2
    • 14th Feb 18, 2:34 PM
    i anyone problems with this
    Originally posted by CliffordMiller




    I think half your post disappeared.
    • societys child
    • By societys child 14th Feb 18, 2:55 PM
    • 5,050 Posts
    • 5,560 Thanks
    societys child
    • #3
    • 14th Feb 18, 2:55 PM
    • #3
    • 14th Feb 18, 2:55 PM
    All his posts are like that, some kind of code

    • Ebe Scrooge
    • By Ebe Scrooge 14th Feb 18, 3:16 PM
    • 4,088 Posts
    • 3,522 Thanks
    Ebe Scrooge
    • #4
    • 14th Feb 18, 3:16 PM
    • #4
    • 14th Feb 18, 3:16 PM
    All his posts are like that, some kind of code
    Originally posted by societys child

    My vote is blatant post-building ready for a spam attack.
    I may not know much about art, but I know what I like.
    • agrinnall
    • By agrinnall 14th Feb 18, 4:07 PM
    • 19,419 Posts
    • 15,114 Thanks
    agrinnall
    • #5
    • 14th Feb 18, 4:07 PM
    • #5
    • 14th Feb 18, 4:07 PM
    Marco, when I get onto my other computer later I will see if I have a record of what I did to transfer money into a NS&I account when I sold my house in 2014.
    • forgotmyname
    • By forgotmyname 14th Feb 18, 6:02 PM
    • 26,610 Posts
    • 10,686 Thanks
    forgotmyname
    • #6
    • 14th Feb 18, 6:02 PM
    • #6
    • 14th Feb 18, 6:02 PM
    I think half your post disappeared.
    Originally posted by MarcoM

    Nope just a spammer, post building.
    Punctuation, Spelling and Grammar will be used sparingly. Due to rising costs of inflation.

    My contribution to MSE. Other contributions will only be used if they cost me nothing.

    Due to me being a tight git.
    • MarcoM
    • By MarcoM 14th Feb 18, 7:01 PM
    • 479 Posts
    • 64 Thanks
    MarcoM
    • #7
    • 14th Feb 18, 7:01 PM
    • #7
    • 14th Feb 18, 7:01 PM
    an update.

    The money arrived but NS & I told me the back office had to manually link the payment to my account.

    It appears that HSBC do not have a field for "reference" and just put the reference number in another box named message to beneficiary. There as no guarantee this would work every time.

    I noticed this problem when arranging standing order. They only have sort code and acc number but not box for reference.
    Is it possible that an international bank like this does not have proper banking templates available?

    I have an account with Santander and they do have a reference box available for payments.

    Time to reduce my banking with HSBC I think.
    • Shakin Steve
    • By Shakin Steve 14th Feb 18, 7:39 PM
    • 1,322 Posts
    • 1,002 Thanks
    Shakin Steve
    • #8
    • 14th Feb 18, 7:39 PM
    • #8
    • 14th Feb 18, 7:39 PM
    Every bank I have done business with allows, nay, insists on some kind of payment reference.
    I came into this world with nothing and I've got most of it left.
    • jonesMUFCforever
    • By jonesMUFCforever 14th Feb 18, 9:27 PM
    • 24,432 Posts
    • 11,719 Thanks
    jonesMUFCforever
    • #9
    • 14th Feb 18, 9:27 PM
    • #9
    • 14th Feb 18, 9:27 PM
    an update.

    The money arrived but NS & I told me the back office had to manually link the payment to my account.

    It appears that HSBC do not have a field for "reference" and just put the reference number in another box named message to beneficiary. There as no guarantee this would work every time.

    I noticed this problem when arranging standing order. They only have sort code and acc number but not box for reference.
    Is it possible that an international bank like this does not have proper banking templates available?

    I have an account with Santander and they do have a reference box available for payments.

    Time to reduce my banking with HSBC I think.
    Originally posted by MarcoM
    The bit about HSBC - total rubbish.
    What goes around - comes around
    give lots and you will always receive lots
    • MarcoM
    • By MarcoM 14th Feb 18, 10:28 PM
    • 479 Posts
    • 64 Thanks
    MarcoM
    which 'bit' about hsbc?

    you are as clear as a jose m press conference...

    i have the printojt from the chaps instruction and there is no reference field
    • jonesMUFCforever
    • By jonesMUFCforever 15th Feb 18, 8:29 PM
    • 24,432 Posts
    • 11,719 Thanks
    jonesMUFCforever
    which 'bit' about hsbc?

    you are as clear as a jose m press conference...

    i have the printojt from the chaps instruction and there is no reference field
    Originally posted by MarcoM
    Oh no you havent
    What goes around - comes around
    give lots and you will always receive lots
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