Please delete my forum account delete delete delete delete delete runabout outside

RG2015

Deleted_User said:

There's still a couple of serious glitches in the implementation of CoP which apply to all banks and not just Santander & Halifax. This is when setting up a new payee and performing the "Account Name" check where the name you provided will either say that it matches or doesn't match.

1 There is one potential serious problem that hasn't been thought through properly. It is when the receiving bank is not a part of the CoP system. For example, I opened a new Coventry Building Society account recently. Coventry supplied me the Sort Code & Account number for paying in and there was no "Reference" code which many Building Societies use. I proceeded set up a new payee giving the details supplied by Coventry but I was taken aback to be told by CoP that "Account Name" didn't match. So I assumed it was my mistake in having a senior moment while entering incorrect information. But whatever I did it kept telling me I had entered incorrect information.

Eventually in checking with the bank I was informed the reason for CoP rejection was because Coventry is not a registered member of CoP and therefore the check will always fail.

My question is why doesn't the CoP check tell customers this so as to avoid wasting their time? I consider it a very poor implementation that CoP doesn't inform customer that the receiving bank is not a registered member of CoP. Why is that fact kept hidden from the customer? I was obliged to resort to the £1 pantomime

2 The second subtle problem is with people having different variants of their name. For example a man called Edward may refer to himself as "Ted" in public and a woman called Margaret may normally call herself "Peggy". Also many people have a middle name which most of their acquaintances don't know about. So if my friend calls himself George Smith but his bank account has the name "George Michael Smith", will I be rejected by CoP for failing to entering his middle name? Will I be penalised for trying to set up "Ted Smith" and "Peggy Smith"?

I have just tried to set up my Coventry account as a payee in Santander and the response is:

"We can't verify the details you entered because the bank or account you want to pay isn't part of the payee checking service"

Halifax has the following message:

"We couldn't check those details

We weren't able to check if that name and account number match. Not all accounts can be checked at the moment, but more will be available soon."

Once again, this is quite clear to me and does not cause me any concern.

Thrugelmir

RG2015 said:

Deleted_User said:

There's still a couple of serious glitches in the implementation of CoP which apply to all banks and not just Santander & Halifax. This is when setting up a new payee and performing the "Account Name" check where the name you provided will either say that it matches or doesn't match.

1 There is one potential serious problem that hasn't been thought through properly. It is when the receiving bank is not a part of the CoP system. For example, I opened a new Coventry Building Society account recently. Coventry supplied me the Sort Code & Account number for paying in and there was no "Reference" code which many Building Societies use. I proceeded set up a new payee giving the details supplied by Coventry but I was taken aback to be told by CoP that "Account Name" didn't match. So I assumed it was my mistake in having a senior moment while entering incorrect information. But whatever I did it kept telling me I had entered incorrect information.

Eventually in checking with the bank I was informed the reason for CoP rejection was because Coventry is not a registered member of CoP and therefore the check will always fail.

My question is why doesn't the CoP check tell customers this so as to avoid wasting their time? I consider it a very poor implementation that CoP doesn't inform customer that the receiving bank is not a registered member of CoP. Why is that fact kept hidden from the customer? I was obliged to resort to the £1 pantomime

2 The second subtle problem is with people having different variants of their name. For example a man called Edward may refer to himself as "Ted" in public and a woman called Margaret may normally call herself "Peggy". Also many people have a middle name which most of their acquaintances don't know about. So if my friend calls himself George Smith but his bank account has the name "George Michael Smith", will I be rejected by CoP for failing to entering his middle name? Will I be penalised for trying to set up "Ted Smith" and "Peggy Smith"?

I have just tried to set up my Coventry account as a payee in Santander and the response is:

"We can't verify the details you entered because the bank or account you want to pay isn't part of the payee checking service"

The Coventry is a Building Society not a Bank. 

RG2015

Thrugelmir said:

RG2015 said:

Deleted_User said:

There's still a couple of serious glitches in the implementation of CoP which apply to all banks and not just Santander & Halifax. This is when setting up a new payee and performing the "Account Name" check where the name you provided will either say that it matches or doesn't match.

1 There is one potential serious problem that hasn't been thought through properly. It is when the receiving bank is not a part of the CoP system. For example, I opened a new Coventry Building Society account recently. Coventry supplied me the Sort Code & Account number for paying in and there was no "Reference" code which many Building Societies use. I proceeded set up a new payee giving the details supplied by Coventry but I was taken aback to be told by CoP that "Account Name" didn't match. So I assumed it was my mistake in having a senior moment while entering incorrect information. But whatever I did it kept telling me I had entered incorrect information.

Eventually in checking with the bank I was informed the reason for CoP rejection was because Coventry is not a registered member of CoP and therefore the check will always fail.

My question is why doesn't the CoP check tell customers this so as to avoid wasting their time? I consider it a very poor implementation that CoP doesn't inform customer that the receiving bank is not a registered member of CoP. Why is that fact kept hidden from the customer? I was obliged to resort to the £1 pantomime

2 The second subtle problem is with people having different variants of their name. For example a man called Edward may refer to himself as "Ted" in public and a woman called Margaret may normally call herself "Peggy". Also many people have a middle name which most of their acquaintances don't know about. So if my friend calls himself George Smith but his bank account has the name "George Michael Smith", will I be rejected by CoP for failing to entering his middle name? Will I be penalised for trying to set up "Ted Smith" and "Peggy Smith"?

I have just tried to set up my Coventry account as a payee in Santander and the response is:

"We can't verify the details you entered because the bank or account you want to pay isn't part of the payee checking service"

The Coventry is a Building Society not a Bank. 

You are missing the point.

The OP is saying that they tried to set up a Coventry account from (presumably) Santander and/or Halifax and the CoP response was that the account name did not match.

I am saying that their statement is incorrect and correcting the assertion that it is misleading.

I am fully aware that the Coventry is not a bank 

RG2015

Deleted_User said:m

RG2015 said:

Deleted_User said:

There's still a couple of serious glitches in the implementation of CoP which apply to all banks and not just Santander & Halifax. This is when setting up a new payee and performing the "Account Name" check where the name you provided will either say that it matches or doesn't match.

1 There is one potential serious problem that hasn't been thought through properly. It is when the receiving bank is not a part of the CoP system. For example, I opened a new Coventry Building Society account recently. Coventry supplied me the Sort Code & Account number for paying in and there was no "Reference" code which many Building Societies use. I proceeded set up a new payee giving the details supplied by Coventry but I was taken aback to be told by CoP that "Account Name" didn't match. So I assumed it was my mistake in having a senior moment while entering incorrect information. But whatever I did it kept telling me I had entered incorrect information.

Eventually in checking with the bank I was informed the reason for CoP rejection was because Coventry is not a registered member of CoP and therefore the check will always fail.

My question is why doesn't the CoP check tell customers this so as to avoid wasting their time? I consider it a very poor implementation that CoP doesn't inform customer that the receiving bank is not a registered member of CoP. Why is that fact kept hidden from the customer? I was obliged to resort to the £1 pantomime

2 The second subtle problem is with people having different variants of their name. For example a man called Edward may refer to himself as "Ted" in public and a woman called Margaret may normally call herself "Peggy". Also many people have a middle name which most of their acquaintances don't know about. So if my friend calls himself George Smith but his bank account has the name "George Michael Smith", will I be rejected by CoP for failing to entering his middle name? Will I be penalised for trying to set up "Ted Smith" and "Peggy Smith"?

I have just tried to set up my Coventry account as a payee in Santander and the response is:

"We can't verify the details you entered because the bank or account you want to pay isn't part of the payee checking service"

Halifax has the following message:

"We couldn't check those details

We weren't able to check if that name and account number match. Not all accounts can be checked at the moment, but more will be available soon."

In respect of those CoP failure messages that you refer to which you obtained from Santander and Halifax respectively, please clarify what mechanism you were using to set the payees up. Did you use the banks' websites, their mobile apps or some other method of setting up the payees? The reason I ask is that in July I set up Coventry BS as a payee for both Santander & Halifax using the banks' websites. While it was clear that the payee details could not be verified, neither bank's CoP failure message mentioned anything about Coventry "not being part of the payee checking service". I only found this out by making a subsequent telephone call. So, maybe you use the mobile app which perhaps gives this additional information? Or maybe the "not being part of the payee checking service" has been added only recently for those of us setting up payees on the website?

Or do you have some magic button which supplies you with this additional "not being part of the payee checking service" information?

Laptop using Chrome browser for both Santander and Halifax yesterday.

Looks like they have updated their systems since July.

RG2015

I also find it helpful that NatWest and RBS show the CoP status in my list if payees. I have not noticed any of my other banks dong this. It looks tidy even if doesn’t affect the outcome when paying anyone.

On the other hand, they also recommend deleting payees set up before CoP and setting them up again using the CoP check. This is pretty pointless as the chances are that they had already been used successfully. 

bubieyehyeh

For payments for buildings society with a single incoming account, and my account number in the reference field, I prefix the name of the building society with a short prefix like "RS24" for regularsaver issue 24 and I then get COP confirmation as a near match, it then get truncated and shows as "RS24 XXX Building S", so I can determine the payee. However there should be a nickname feature like some banks provide.

robatwork

Deleted_User said:

RG2015 said:

I have just tried to set up my Coventry account as a payee in Santander and the response is:

"We can't verify the details you entered because the bank or account you want to pay isn't part of the payee checking service"

Halifax has the following message:

"We couldn't check those details

We weren't able to check if that name and account number match. Not all accounts can be checked at the moment, but more will be available soon."

In respect of those CoP failure messages that you refer to which you obtained from Santander and Halifax respectively, please clarify what mechanism you were using to set the payees up. 

I posted this on my own rant a couple of days ago but it's valid here. Santander's message is broken. Here's the message with 1 digit incorrect in the account number:



The error should be "Cannot match sortcode/bank to account number" or "Invalid account number". Note I cut off the word "not" on the right!  I corrected the number and it matched, and I was able to setup the payment. This is Santander 123 to Barclays Current account. 

schiff

I instigated a new payment from Santander to Nationwide BS this morning. Nationwide Building Society (my effort) wasn't recognised - NATIONWIDE BUILDING SOCIETY was offered as correct. So I did the capitals version.
That wasn't recognised either.
You gotta laugh.