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TSB Classic + letter re paperless conditions to be applied from 31/1/2015
Comments
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It'll be Tuesday (although the transaction date will show as Monday). TSB's month runs from the 2nd working day of the month to the 1st working day of the next month.DEBT FREE!
Debt free by Xmas 2014: £3555.67/£4805.67 (73.99%)
Debt free by Xmas 2015: £1250/£1250 (100.00%)0 -
I got the same letter, which is strange because when I opened the account they told me that they'd already registered me for everything I needed to in order to get the 5% interest. I managed to go online the other day and register for online correspondence with one click though.Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.
ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.0 -
thebritishbloke wrote: »I got the same letter, which is strange because when I opened the account they told me that they'd already registered me for everything I needed to in order to get the 5% interest. I managed to go online the other day and register for online correspondence with one click though.
when did you open the account, as when i opened it only paperless statements were available and the terms stated to register for correspondence when it was available (which from memory correspondence an option from around August/September i think, so several months after the account was launched)MFW#105 - 2015 Overpaid £8095 / 2016 Overpaid £6983.24 / 2017 Overpaid £3583.12 / 2018 Overpaid £2583.12 / 2019 Overpaid £2583.12 / 2020 Overpaid £2583.12/ 2021 overpaid £1506.82 /2022 Overpaid £2975.28 / 2023 Overpaid £2677.30 / 2024 Overpaid £2173.61 Total OP since mortgage started in 2015 = £37,286.86 2025 MFW target £1700, payments to date at April 2025 - £1712.07..0 -
I also got an error when I tried the day I got the letter, Wednesday, but when I tried again on Friday the change went through without any problem.0
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SevenOfNine wrote: »My letter also said I hadn't signed up for paperless correspondence.
When I checked both my a/c's on line it said "paperless correspondence - YES" (& paperless statements, £500pm, internet banking, I've even got 1 d/d set up in both a/c's to scoop off the monthly interest)
No idea what they were playing at.
I was in the same situation, as was my girlfriend because I did it for her. Our online banking said that we were registered for paperless correspondence however the letters we received suggested we weren't. I wasn't too worried as I assumed this was just an error but phoned TSB anyway and they assured me that I was registered for paperless and the lady said it was a generic letter that had gone out because the majority weren't registered.
I don't think much of a generic letter going out with TSB not really looking into who has actually registered or not. I could understand it if they sent the letter to everyone to just inform them to check but sending letters to people who are registered and saying they're not is just not cricket imo.0 -
Just to add my 2 penneth....
I had the same letter telling me I had not fulfilled condition 4, I went online and tried to ...but as others have said here I had the "theres a fault screen".
Also as others have said I had an email saying that I was now registered as having paperless statements and corrispondence.
As a precaution (incase no interest is paid in Feb) I printed out the email and the list with the two columns on the website showing all accounts ticked....and have stapled it to the original letter telling me which accounts needed updating....so if need be I can take it into the branch and let them deal with the interest payment.
Maybe an idea to cover yourselves.0 -
when did you open the account, as when i opened it only paperless statements were available and the terms stated to register for correspondence when it was available (which from memory correspondence an option from around August/September i think, so several months after the account was launched)Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.
ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.0 -
This seems to be an automated letter. Nevertheless I have tried to contact TSB to clarify an issue (a very simple one) but have had no success. A few months ago when I tried to contact TSB by phone they took so long to answer my query that the call cost me several pounds (national rate call). TSB stubbornly refuse to allow us to contact them by e-mail (they claim it is insecure, but that is no excuse as they could respond via an internal message within the inbox area of the customer's account, which is the policy of most other banks).
I am unwilling to phone the TSB again and pay for an expensive call so I found an internet page which allowed me to submit an e-mail enquiry. Six days later and there has been no reply. I found another webpage which invited customers to contact TSB by e-mail, but it requires customers to choose options from a drop-down menu, and whichever option the customer selects they are then told to contact them by telephone. Where is the common sense in giving a page for supposed e-mail contact and then telling the customer to phone, no matter what option they select?
Today I contacted TSB on Twitter and asked my very simple query. The customer service representative refused to answer, and told me to phone the national rate number, even though the query did not involve mentioning my account number or giving any information about my account. I found this not merely unhelpful but discourteous. There is no legitimate reason why the company's representative could not respond in a tweet (or private message) to give a 'yes' or 'no' answer to a simple query about account conditions when no sensitive account-related information was involved.
TSB needs to realise that many customers prefer to contact their banks by e-mail, and their website needs an internal private messaging system to allow this. Until this facility is in place, the TSB website lacks basic functionality, and it seems to have been designed for six-year-olds judging by the huge patronising writing and the cartoon characters.
I am not impressed by TSB when one of its customer service representatives is too lazy to give me a 'yes' or 'no' and tells me to phone a national rate number when I have already stated to him/her the reason why I don't wish to do so.0 -
.....their website needs an internal private messaging system to allow this. Until this facility is in place, the TSB website lacks basic functionality,
.....
I can see and use an internal private messaging facility, and I believe all TSB account holders with online access do. It's been available for a few months now.0 -
Archi_Bald wrote: »I can see and use an internal private messaging facility, and I believe all TSB account holders with online access do. It's been available for a few months now.
I have an inbox, but I can't send TSB a message.Credit 'Score' - Don't buy the credit 'score' that Experian, Equifax and Noddle want to sell you. It's an arbitrary number that means nothing when it comes to applying for credit.
ALWAYS HAVE A DIRECT DEBIT SET UP FOR THE MINIMUM PAYMENT ON YOUR CREDIT CARDS, REGARDLESS OF WHETHER YOU PLAN TO LOGIN AND PAY EACH MONTH.0
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