Bank won't switch direct debits

mhep

I lost my debit card yesterday. I reported it to the bank (Nationwide, not technically a bank) and they are sending a new debit card. However, I feel very uncomfortable that my name, sort code and account number are on the card. I can see where that information might be valuable to a criminal.

I called Nationwide, because I wanted to create a new account, and close mine. I was told that I would have to switch the direct debits myself. They would only do it for someone switching from another bank. So it would be easier for me to open an account with another bank, than with my own!

The rep claimed that all banks did the same and that she thought there was a technical aspect to it, making it impossible.

Can anyone enlighten me? I am stuck in that I had just opened the Flexplus because the combined travel insurance and car recovery cover for the #10 a month was a good deal for me.

masonic

I don't think you'd want to use the switching service anyway, for this reason: "For 13 months after you've switched, your new provider will arrange for payments accidentally made to your old account, or taken from your old account, to be automatically redirected to your new account."

Hazzanet

mhep wrote: »

However, I feel very uncomfortable that my name, sort code and account number are on the card. I can see where that information might be valuable to a criminal.

A complete overreaction.

Wait for the new card, continue using the account as normal and move on with life.

roddydogs

& of course change your PIN as soon as you get the new card.

Archi_Bald

mhep wrote: »

I feel very uncomfortable that my name, sort code and account number are on the card. I can see where that information might be valuable to a criminal.

Name, sort code and account number has been printed on cheques for decades, and people have written billions of cheques. There is really nothing to worry about.

SuperHan

All you can do with your details is set up a direct debit. If they do, your bank must give you a full and immediate refund on any monies taken without your permission.

Just watch your accounts to make sure nothing is taken. It's unlikely though as criminals know that this isn't worth the hassle.

mhep

Thanks all for your feedback. You make a good point about the sort code and acct info on the cheques. But the cheque goes to a particular company or person and then directly into the bank.

I just feel that these days with technology, bits and pieces can be put together to steal an identity. And my signature is on the back of the card.

I will have a good think about it. Thanks again.

jonesMUFCforever

mhep wrote: »

Thanks all for your feedback. You make a good point about the sort code and acct info on the cheques. But the cheque goes to a particular company or person and then directly into the bank.

I just feel that these days with technology, bits and pieces can be put together to steal an identity. And my signature is on the back of the card.

I will have a good think about it. Thanks again.

Your signature ? When did you last sign for a transaction??


You are right to be worried about losing a card but like others on here you are over reacting - this happens to thousands of people every day.

meer53

mhep wrote: »

Thanks all for your feedback. You make a good point about the sort code and acct info on the cheques. But the cheque goes to a particular company or person and then directly into the bank.

I just feel that these days with technology, bits and pieces can be put together to steal an identity. And my signature is on the back of the card.

I will have a good think about it. Thanks again.

These days, fraudsters don't need your card or a cheque to use your account details. They can usually buy them online if they want to.