Bank not allowing transfer as 'details don't match'

colsten

If a bank doesn't participate in the COP scheme, in my experience the message you get when checking a payee will say so. You get a different message if the name doesn't match, and depending on how big the difference is, it will tell you what the name on the account is. If it's a large mismatch, you'll just be told that the name you entered is not the same as on the account.

J_B

wiseonesomeofthetime said:

jay1804 said:

You could send a smaller token amount to ensure that the payment is received into their account and then send the rest. - This is what i've always done, even before COP

This is what I do too, however, I have seen horror stories (allegations) of accounts being frozen for making a large transfer following a small "test' one as apparently this is scam tactics too 🤷‍♂️

We paid a builder - his bill was £5012. I paid the £12 and phoned to get confirmation. I then sent the 5K but it didn't arrive.

I phoned First Direct and said 'please don't block this', but then the next day I got a call from the FD fraud squad!!!!

colsten

J_B said:

wiseonesomeofthetime said:

jay1804 said:

You could send a smaller token amount to ensure that the payment is received into their account and then send the rest. - This is what i've always done, even before COP

This is what I do too, however, I have seen horror stories (allegations) of accounts being frozen for making a large transfer following a small "test' one as apparently this is scam tactics too 🤷‍♂️

We paid a builder - his bill was £5012. I paid the £12 and phoned to get confirmation. I then sent the 5K but it didn't arrive.

I phoned First Direct and said 'please don't block this', but then the next day I got a call from the FD fraud squad!!!!

What’s the rest of your story?

silverwhistle

eskbanker said:

Make a test transfer of a token quid or two and get written (email) confirmation of its successful arrival from the recipient, before sending the balance?

Emails can be spoofed. Last year when I bought a car (and paid a builder) I spoke to someone in person and asked them to tell me what the test transfer amount was, that way they can't just say "yes, we've received your £1 test transfer"...

born_again

J_B said:

We paid a builder - his bill was £5012. I paid the £12 and phoned to get confirmation. I then sent the 5K but it didn't arrive.

I phoned First Direct and said 'please don't block this', but then the next day I got a call from the FD fraud squad!!!!

You can't tell a security system that.. Computer no understand.

We still have to call customer even with notes stating it's genuine. Procedures haver to be followed.

J_B

colsten said:

J_B said:

wiseonesomeofthetime said:

jay1804 said:

You could send a smaller token amount to ensure that the payment is received into their account and then send the rest. - This is what i've always done, even before COP

This is what I do too, however, I have seen horror stories (allegations) of accounts being frozen for making a large transfer following a small "test' one as apparently this is scam tactics too 🤷‍♂️

We paid a builder - his bill was £5012. I paid the £12 and phoned to get confirmation. I then sent the 5K but it didn't arrive.

I phoned First Direct and said 'please don't block this', but then the next day I got a call from the FD fraud squad!!!!

What’s the rest of your story?

I told them to pay the guy and they did!

Penelopa.Pitstop

Or you can pay by debit card and the problem with transfer will be sorted.

melb

many thanks for all your replies and advice, much appreciated.  We have sent the money and are expecting the car to arrive on Monday!  We do have a receipt for the monies paid so fingers crossed!