What do I do next!!!

saffronceba

I mislaid my debit card and reported it lost on 11/3/11, I was told that the card would be cancelled and a new one issued, I telephoned the bank (Smile)yesterday to find out how long would I have to wait for a new card and was told that a new card hadn't been ordered as there was a "marker on my account" and was i aware of this. I explained yes I am aware as I have had a few financail difficulties of late, I also said that as the debit card is the only way I can access money from my bank account, why was I not told when I reported the card as lost that a new one wouldn't be issued.

My salary is paid into my bank account tomorrow and I have no means of accessing my money, what the hell am I supposed to do, I've been told that it could take 7 days to issue a new card,

Are the banks allowed to stop me from accessing my money even tho' my credit problems are not with them, I do not have a cheque book or a credit card and I cant go into the nearest branch is in the town centre and I work full time, to be honest I haven't got the money for bus fare or parking. Any help or advise would be greatly received

jonesMUFCforever

They can issue you with a cashpoint only card.
Can they not authorise you to cash at a branch of the coop?

If not you need to transfer your account that has branches!

saffronceba

Thank you for your reply. They did offer to let me draw money from the local branch but as I said I can't get to the nearest branch as the only branch is in the city centre and due to work commitments I cant get there. The debit card is also a cash point card and it will take upto seven days to be reissued.

The question I was trying to ask is did the bank have any right in cutting of the only means I have off accessing my money without my knowledge citing my current financial situation as the reason for it.

jonesMUFCforever

Turn that round - why open an account whereby anything goes wrong and you are stuck?
They have given you an alternative - use it or borrow from friends and family.

glider3560

saffronceba wrote: »

The question I was trying to ask is did the bank have any right in cutting of the only means I have off accessing my money without my knowledge citing my current financial situation as the reason for it.

Sorry for being harsh, but you've actually cut off the link yourself by losing the card.

Moving forward, could you not use online banking to transfer some money to a friend/family member's account and ask them to withdraw the money for you?

Otherwise they've offered a method of accessing the money which you've refused. If you need the money, then you will need to make arrangements to get to a branch!

savagej

Ask them in you can have a card beginning 4508, they should let you have one of those.