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I tried this with Nationwide recently and they refused to take a note - they said that the systems will decide if it is suspicious, and they cannot take information beforehand to explain the source of the deposit - even if this isn't with the intention of stopping the systems going off, and rather trying to get something on the record beforehand
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N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.5 -
Exactly
it's all very well banks tell you to 'just give us a call' - if you want to listen to Green Sleeves for 45 minutes0 -
This was exactly my experience with Santander - and exactly the same for my wife's accounts at the same time so double the trouble. Very very frustrating and I will never open an account with them again!
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Any other banks/building societies/financial institutions tell you this too? Maybe others forumites can chime in also.
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NatWest, Starling, TSB, and I think Virgin Money too. I then gave up
If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.1 -
BTW Shawbrook you don't need to have the latest issue to get the high rate of interest - I have Issue 33. AFAIK it needs to be Issue 30 or above. You do need min of £1000 to earn it though.
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I can add Barclays to that list. Having phoned to unblock a first-time external payment to a new account, I told them I needed to make further payments and asked if they could make note of this so it wouldn't happen again and I was told that wouldn't be possible.
The person in the FT article who gave the recommendation to 'call ahead' before either making or receiving unusual desposits is seemingly out of touch with how banks operate.
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I'd say the advice to call your bank if you are about to make a large transfer etc and let them know your plans is a bit of an urban myth really.
If it were as simple as that what do you think the fraudsters would do?
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What I normally do is if I have had a transfer blocked, and I know I will be doing more immediately after, I call up, get the account unblocked, then insist they stay on the phone while I do the other ones. Usually some of them get blocked too, and therefore they can deal with them there and then so I don't need to call back.
If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.6 -
The ft newspaper should stop interviewing staff at resolver that spread urban myths!
For some banks fraudsters would need to impersonate my voice. E.g. Halifax. Good luck with that fraudsters!
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