Downgrading Santander 123 to 123 Lite

Steve_L

I've transferred from a 123 to a 123 Lite on 5 May. What about the monthly fee?

Ideally,  the one due tomorrow should be a pro-rata split of 23/30 days at £5.00 plus 7/30 days at £1.00, which works out to £3.83(33) + £0.23(33) = £4.06(66) = £4.07 or thereabouts.

Or is it "per month or part thereof"? I opened the 123 account on 19/08/2016 and the first monthly fee was on 12/09/2016 and for the full £5.00, so it wasn't pro-rata. But, if so, then which one? Hopefully, not both!

molerat

Your statement date cycle changes to the transfer date. You paid the £5 on the last full statement (up to one month ago) and you will pay the £1 on the next full statement in one month's time so a maximum of just under 2 months between fees.  My statement date has changed from 29th to 24th so paid £5 on 29th of first month, upgraded on 24th of second month and £1 paid on 24th of third month.

Hammer_Time

Hi All, I upgraded my select 123 to a lite 123, I phoned and all went well, I received a new red debit card which I was told to use when I received the new PIN number. After a week a new pin hasn’t arrived. Has anyone transferred from select to a lite account and received a new PIN number or does the old Pin work?
I still haven’t received my new Pin number, popping out today to do a shop, I will check to see if the old pin works.

GraceCourt

snelmark said:

Thanks guys. I’ll try again. Why do they have to make it so difficult?!

Because, overall, their technical architecture is a rag-bag of systems cobbled together... for example, we have a Santander mortgage that was with Alliance & Leicester before Santander took it over, but if you contact Santander "Customer Services" about mortgage issues, you are told that you have to contact... errmmm... mortgage customer services.

And whilst I'm on, I only discovered today that the secure message system for personal accounts has been ceased.  Not temporarily during the Covid-19 pandemic, but permanently.  The "secure message" facility is still shown on your on-line accounts, but if you send a secure message, you get sent an e-mail stating that it won't be answered - you have to phone or use the chat facility, which of course isn't secure, it's run by "LivePerson".  Cease the secure message facility, but don't switch it off... hmmm, a triumph of cerebral thinking - not!!  And, of course, you still can't contact them by e-mail but they can e-mail you... it's called "customer service".

Tip:  if you have a business account with Santander as well, log in and see the same message system, cut-and-paste the same message that they refused to answer, and voila!  It gets delivered rather than rejected.

colsten

GraceCourt said:

snelmark said:

Thanks guys. I’ll try again. Why do they have to make it so difficult?!

Because, overall, their technical architecture is a rag-bag of systems cobbled together... for example, we have a Santander mortgage that was with Alliance & Leicester before Santander took it over, but if you contact Santander "Customer Services" about mortgage issues, you are told that you have to contact... errmmm... mortgage customer services.

And whilst I'm on, I only discovered today that the secure message system for personal accounts has been ceased.  Not temporarily during the Covid-19 pandemic, but permanently.  The "secure message" facility is still shown on your on-line accounts, but if you send a secure message, you get sent an e-mail stating that it won't be answered - you have to phone or use the chat facility, which of course isn't secure, it's run by "LivePerson".  Cease the secure message facility, but don't switch it off... hmmm, a triumph of cerebral thinking - not!!  And, of course, you still can't contact them by e-mail but they can e-mail you... it's called "customer service".

Tip:  if you have a business account with Santander as well, log in and see the same message system, cut-and-paste the same message that they refused to answer, and voila!  It gets delivered rather than rejected.

Just switch your account(s) to a different bank if you aren't happy with Santander. Problem solved. That is, if you are happy with your new bank.

Steve_L

molerat said:

Your statement date cycle changes to the transfer date. You paid the £5 on the last full statement (up to one month ago) and you will pay the £1 on the next full statement in one month's time so a maximum of just under 2 months between fees.  My statement date has changed from 29th to 24th so paid £5 on 29th of first month, upgraded on 24th of second month and £1 paid on 24th of third month.

The tartan bits of my DNA like £1.00 more than my calculated £4.07 or the worst case scenario £6.00.

itm2

If you switch from a 1-2-3 account to 1-2-3 lite does your list of Payees get transferred, or do you need to set them up again?

inspectorperez

itm2 said:

If you switch from a 1-2-3 account to 1-2-3 lite does your list of Payees get transferred, or do you need to set them up again?

Yes (to your first question) in the sense that everything stays the same apart from the account description which will be described as 1-2-3 Lite. So account number, security details, all standing data for direct debits, standing orders, rewards etc will remain as they are now

itm2

Thanks. Will my list of payees also get transferred across?

inspectorperez

itm2 said:

Thanks. Will my list of payees also get transferred across?

Indeed