First Direct

pollypenny

colsten said:

adamp87 said:

etienneg said:

Dolor said:

As part of the account unlocking process, I was asked to confirm the amount of a transaction that had gone through 10 days previously! That’s tricky when the account has been locked.

Why? Don't you keep any kind of record of what you do with your money?

I don’t know if you are being serious but many people can use a debit card many times during a day never mind a week or two.

Not an excuse for not knowing what you have spent. Bank accounts are no substitute for spending diaries, even if some people like to think they are.

However, I am certain that no bank will fail you during the ID questioning for not knowing your transaction details. They’ll just ask some other questions instead.

Since we've been encouraged to use contactless for almost every purchase it's hard to keep track of where and what we've spent. 

blue.peter

pollypenny said:

Since we've been encouraged to use contactless for almost every purchase it's hard to keep track of where and what we've spent. 

Is it? I don't find it a problem. I just remember to get the paper receipt and stuff it in the back of my wallet. When I get home, I take all of the vouchers out and record my spending in my personal finance program (AceMoney). As it happens, I've just been out shopping this morning, and paid by contactless card twice. Two vouchers, two entries in AceMoney. No trouble. I know exactly what I've spent and where.

NSG666

"my background is Police Hi Tech Crime" and yet you called a number sent to you via email.

I don't believe this is a genuine post.

born_again

OP not been back since posting. Clearly a very important post....

Wyndham

blue.peter said:

pollypenny said:

Since we've been encouraged to use contactless for almost every purchase it's hard to keep track of where and what we've spent. 

Is it? I don't find it a problem. I just remember to get the paper receipt and stuff it in the back of my wallet. When I get home, I take all of the vouchers out and record my spending in my personal finance program (AceMoney). As it happens, I've just been out shopping this morning, and paid by contactless card twice. Two vouchers, two entries in AceMoney. No trouble. I know exactly what I've spent and where.

That's interesting. I don't really like contactless because you quite often don't get a receipt - even if you ask for it. I work on getting a receipt, then putting it into my money software, and find it tricky if I can't do that. I've been away in the last week and paid for a fair bit of stuff without getting a receipt - even when I asked for one I was told it wasn't available. But, some of those transactions have been ones that I would have used cash for in the past, and I'm avoiding using cash at the moment.

I know there is a generation coming behind me who don't ever get receipts. I'm not sure if I'm therefore old fashioned, or if I have a much better idea of my bank balance than they do....?

colsten

pollypenny said:

colsten said:

adamp87 said:

etienneg said:

Dolor said:

As part of the account unlocking process, I was asked to confirm the amount of a transaction that had gone through 10 days previously! That’s tricky when the account has been locked.

Why? Don't you keep any kind of record of what you do with your money?

I don’t know if you are being serious but many people can use a debit card many times during a day never mind a week or two.

Not an excuse for not knowing what you have spent. Bank accounts are no substitute for spending diaries, even if some people like to think they are.

However, I am certain that no bank will fail you during the ID questioning for not knowing your transaction details. They’ll just ask some other questions instead.

Since we've been encouraged to use contactless for almost every purchase it's hard to keep track of where and what we've spent. 

I have used contactless almost exclusively for years now. As my cards are linked to Curve and 99% of my purchases go via my Curve card, I have a lovely record of all my transactions in Curve, and I regularly transfer them to my personal finance manager. Other options are available with the more new-fangled personal finance managers, such as Yolt or Emma, which you can synch with your current accounts.

Added to this, I barely ever use a debit card - all my purchases happen with credit cards, which of course get paid off in full each month. Therefore, transactions on my current accounts are SOs, DDs or Faster Payments, all of which are recorded in my personal finance manager.

I'd also like to repeat that I don't believe any bank will fail you in the ID process if you can genuinely not remember any purchases that you have made in the last few days.

Ballard

etienneg said:

[Deleted User] said:

As part of the account unlocking process, I was asked to confirm the amount of a transaction that had gone through 10 days previously! That’s tricky when the account has been locked.

Why? Don't you keep any kind of record of what you do with your money?

I check each of my bank accounts every morning and account for every transaction but I don’t feel the need to make a separate note of them. I do recognise that others have software or spreadsheets to track everything but I don’t feel the need so I would be in the same boat as the OP. 

Ballard

Wyndham said:

blue.peter said:

pollypenny said:

Since we've been encouraged to use contactless for almost every purchase it's hard to keep track of where and what we've spent. 

Is it? I don't find it a problem. I just remember to get the paper receipt and stuff it in the back of my wallet. When I get home, I take all of the vouchers out and record my spending in my personal finance program (AceMoney). As it happens, I've just been out shopping this morning, and paid by contactless card twice. Two vouchers, two entries in AceMoney. No trouble. I know exactly what I've spent and where.

That's interesting. I don't really like contactless because you quite often don't get a receipt - even if you ask for it. I work on getting a receipt, then putting it into my money software, and find it tricky if I can't do that. I've been away in the last week and paid for a fair bit of stuff without getting a receipt - even when I asked for one I was told it wasn't available. But, some of those transactions have been ones that I would have used cash for in the past, and I'm avoiding using cash at the moment.

I know there is a generation coming behind me who don't ever get receipts. I'm not sure if I'm therefore old fashioned, or if I have a much better idea of my bank balance than they do....?

There’s nothing wrong in getting a receipt for all transactions (where one is available) but I haven’t bothered in many years as I don’t maintain a spreadsheet or use any budgeting software. Most of the transactions I have are on my Amex and I get an instant notification of all transactions anyway. For all other transactions I check the amount later.