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FirstDirect most unhelpful
Comments
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In the banking world it is quite normal for money to arrive at the destination bank on one day but to be actually applied to the customers account can take a day or so longer. Used to see it all the time at Nationwide.£2.00 Savers Club = £34.00 So Far
+ however may £2 coins I have saved in my Terramundi since 2000.
Terramundi weighs 8lb 5oz0 -
Most credit card providers used to say that. Back in the days when they had a roomful of balding bespectacled clerks writing copperplate at sloping desks. It was difficult to backdate anything when it all went into big leather-bound parchment ledgers.Amex aren't at fault here. They make it very clear that you need to allow at least 2 business days between your payment and the payment due date. That applies even for payments by debit card."It will take, five, 10, 15 years to get back to where we need to be. But it's no longer the individual banks that are in the wrong, it's the banking industry as a whole." - Steven Cooper, head of personal and business banking at Barclays, talking to Martin Lewis0 -
I get a similar message to that when I pay my FD Credit Card, usually along the lines of "Your payment has been received and your balance updated, but this will not show on your statement till the next working day."If i remember correctly, when you make a payment on FD internet banking, there is a statement on the confirm screen which advises you that the recipient may take more time to apply the payment ? So the payment may have reached Amex in time, it may have taken Amex a bit longer to apply the funds to the OP's account.
And if I send a payment to my Building Society Passbook Account (which goes through Barclays) I get a different message - "The deposit has arrived at the destination account, but the recipient is unable to confirm when the deposit will be credited."
But, as the OP setup a future dated payment it is likely that they just got a confirmation message saying that the payment will be sent on the date chosen.0 -
Unfortunately, you need to wait 6 months to get the £100 for leaving the joke that is First Direct.I agree with this posting. It is disconcerting when the messages support the bank when their is an element of doubt.
The customer should never be the loser if an error occurred due to information provided by the bank being misleading. Ask First Direct for a letter of deadlock on the issue and take the matter to the Ombudsman. I am sure they will credit you with a goodwill payment.
Alternatively if you only just opened ask for the £100 for moving to another bank as you are not satisfied with their level of service provided.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
The beneficiary details I selected were correct - exact bank & card name.
It was the underlying beneficiary's sort code and account number that was incorrect. These were completed automatically by First Direct and couldn't even be seen by me on their antiquated Internet Banking.
It was lots of hassle getting the money back as it was actually sent to a different bank. I certainly didn't appreciate First Direct making the mistake and blaming me for it.When you set up a payment on internet banking, YOU select the beneficiary from a drop down list. Then you confirm the payment to be made. How can it be FD's fault ?This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
To help out...
1- DD doesnt suit everyone, I dont use it.
2- You know nothing about the OPs financial situation.
3- Maybe they didn't want one? Not all AMEX cards have a fee.
4- TRUEStop complaining, it sounds to me as if it was your fault.
Why:
1. Did you not use monthly Direct Debit to pay off your Amex card?
2. As a new First Direct customer & paying off by computer why, did you leave it to the last minute to pay off the card and not 7 days before. The FD account was not paying you any interest after all.
3. Why did you not get and use the First Direct credit card but use the Amex card (does this have a yearly fee attached?). Then this situation should not occur.
4. Why with all the bad news about banks, do you trust any bank. Even a good one like First Direct!This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
To help out...
1- DD doesnt suit everyone, I dont use it.
2- You know nothing about the OPs financial situation.
3- Maybe they didn't want one? Not all AMEX cards have a fee.
4- TRUE
I took all of those before I did my post yesterday, hence the questions. I was hoping the OP could supply some answers. Until they do, I still think it is their fault.0 -
To help out...
1- DD doesnt suit everyone, I dont use it.
2- You know nothing about the OPs financial situation.
3- Maybe they didn't want one? Not all AMEX cards have a fee.
4- TRUE
I took these things into account. I had hoped to get the answers from the OP. I still think it that persons fault and not FD.0
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