Pensioner Bonds now on sale

mike88

baxy wrote: »

I am another of the people who got to the final stage i.e. Payment verifying when system crashed. This was 7.30 on Friday morning. No email from NS&I but funds 'pending payment' at bank.
Just checked account and no change there.
So it's about 44hours since application, no idea if I have managed to register for the bond and my 10 grand is held in limbo at the bank.
Where do I go from here?

Me to. My crash was on Thursday. After 5 days the money will revert to your account according to my bank.

mgdavid

mike88 wrote: »

Me to. My crash was on Thursday. After 5 days the money will revert to your account according to my bank.

Not in my experience - see my latest update on the other thread (why are there two?)
In short, I applied last Thursday, my session timed out straight after the payment authorisation screen, no ref number or email.
Funds reserved at bank, cleared through on Friday, but no sign of anything on NS&I site.
Saturday lunchtime, logon to NS&I and the £10k bond is listed, with ref number etc so all absolutely OK - as I predicted elsewhere.
My advice - be patient, have a little faith, check daily.

mike88

mgdavid wrote: »

Not in my experience - see my latest update on the other thread (why are there two?)
In short, I applied last Thursday, my session timed out straight after the payment authorisation screen, no ref number or email.
Funds reserved at bank, cleared through on Friday, but no sign of anything on NS&I site.
Saturday lunchtime, logon to NS&I and the £10k bond is listed, with ref number etc so all absolutely OK - as I predicted elsewhere.
My advice - be patient, have a little faith, check daily.

How can you login without an NS&I reference number? Perhaps you already own NS&I products and that lets you in. I haven't so can't get beyond the first login screen.

spranglebolt

Taking MSE advice we wanted to make use of this heavily publicised new opportunity. What a screw-up.

Like so many others, just couldn't get in on the phone at all, so had a go on-line, foolishly accepting the proposal to register first (did this because of previous delay in receiving confirmation on postal premium bond application). Unbelievably, after keying in all your details this requires you to send in a form by steam driven Royal Mail. Too slow, so abandoned that approach. Apparently HMG must have your signature. Haven't encountered that demand from Nationwide, Halifax, Virgin, etc.

Anyway, then decided to apply without registering, which apparently can be done concurrently.. So it identifies that we've already registered so 'Try again when it's been activated'.

By that time the bond will have been fully subscribed. Meanwhile, to expedite, several £k have been shifted to a current a/c where they are sitting doing nothing.

Hello? Isn't this the 21st century?

spranglebolt

Sorry, Mike88, not so. We have premium bonds (acquired by postal applications) and could therefore quote both holder number and NS&I number. Still required to go through Sir Humphrey's registration fandango.

rfsmith7

mike88 wrote: »

How can you login without an NS&I reference number? Perhaps you already own NS&I products and that lets you in. I haven't so can't get beyond the first login screen.

You don't need to have an NS and I number already. Go to the nsandi site, select 65+ bonds and when you get to apply screen select "no" when it asks if you have an NS and I number.


If you already have one, even from from ages ago, you must use that. My wife had an old one from 2007 but mercifully we'd kept the details including password, and it was still valid.

Sledgehead

Rollinghome wrote: »

Any server in the world can be brought to a halt if enough people keep requesting it. That's how a DOS attack works. For NS&I to upgrade their system for a one off event that will soon pass would be a mindless waste of taxpayers money.

In the meantime, it's a bit like a million people fighting to get through a set of turnstiles at the same time. If everyone fights to be first it will take a lot longer.

Every time you refresh the page on the website their server will waste its time responding to your initial request instead of completing the requests it's already dealing with. If on the other hand everyone calms down and shows some patience for a day or two, they will all get through a lot quicker.

I'd also remind you of when NS&I issued the last ILSCs. The press told us they'd be sold out in weeks or days. In reality they were available for several months.

You seem to know an awful lot about IT. Doesn't that subject also involve requirements analysis and the like? Only a simple soul like me imagines that the requirements of the issue involve raising money through the sale of debt instruments. I'm pretty certain people have done this before and have worked out how it can be achieved without attaining peak cluster ****. Oh, sorry, did you only just realise I'm being heavily sarcastic?

Sledgehead

Alter_ego wrote: »

Just called NSANDI on 01253840007, got straight through to "Joanne"
She sold me 10k bond, no problem. AMAZED !!

Had to use my security details though. Plus she asked where I got her number (Say no to 0870)

Check these out :

http://en.wikipedia.org/wiki/Power_analysis
http://en.wikipedia.org/wiki/Return-oriented_programming
http://dinaburg.org/bitsquatting.html
https://srlabs.de/badusb/

My point? Just look at the ingenuity, effort and stamina hackers have. If you think for one minute it's wise to get a transaction number from an untrusted third party, frankly you deserve to lose very cent you own.

Here's a little truth you can take with you where ever you go and whatever you do :

Convenience is inversely proportional to Security.

mike88

rfsmith7 wrote: »

You don't need to have an NS and I number already. Go to the nsandi site, select 65+ bonds and when you get to apply screen select "no" when it asks if you have an NS and I number.


If you already have one, even from from ages ago, you must use that. My wife had an old one from 2007 but mercifully we'd kept the details including password, and it was still valid.

You must have misunderstood. I have already registered and paid for the bond. The money has been transited from my account but I can't do as you say because I have already registered during the application process. Without an NS&I number you cannot gain access to an account.

So as stated, I don't know whether I have a bond or not and NS&I have told me to wait 5 days until the money has reverted to my bank and reapply. This is also the advice given by the bank. In the meantime I have been warned by my bank not to apply again on the off chance NS&I claim the money in transit.

mgdavid

mike88 wrote: »

You must have misunderstood. I have already registered and paid for the bond. The money has been transited from my account but I can't do as you say because I have already registered during the application process. Without an NS&I number you cannot gain access to an account.

So as stated, I don't know whether I have a bond or not and NS&I have told me to wait 5 days until the money has reverted to my bank and reapply. This is also the advice given by the bank. In the meantime I have been warned by my bank not to apply again on the off chance NS&I claim the money in transit.

somebody's misunderstanding - but I've no idea if it's you or us!
I will simply repeat what I've said in various earlier posts (there are now multiple threads running, it is getting confusing and tedious).
I registered back before Christmas, using the 'I don't have any other NS&I products' option.
I received my Number and one-time password.
I logged on, changed my password, and then saw that I had £3 in Premium bonds showing against my account! (they go back to 1957 apparently, I had forgotten them).
I have been able to log on at will ever since, and on Saturday my 3 yr Bond appeared in the list too - despite my session on Thursday morning crashing after payment authorisation, no ref number, and no email.
I find patence pays off, I really don't get what people gain out of all the ranting and raving, what exactly does it achieve?
I have my bond, I have my sanity, and I've had a belly full of laughs from many of the other posts in these threads, what's not to like?