Help! TSB won't allow a full switch from them for 3 months after doing a partial switch from them

I opened a joint Nationwide Flexiplus account to manage bills and did a partial switch so that all the Direct Debits would come out of it. Once I was told it was complete I opened a HSBC account with the intention of taking advantage of the switching bonus. However HSBC advised that TSB rejected the switch. I was then going to and fro with TSB and Nationwide to try and find out why. TSB told me the reason was that the first switch was still ongoing. Nationwide assured me that it wasn't and suggested TSB just had it flagged. So back to TSB again who said it wasn't. I raised a complaint with both banks and eventually TSB said it was actually complete but the rejection was because I couldn't do another switch for 3 months after the first. They apologised for the wrong advice but I'm still stuck. If I'd known about this condition I wouldn't have done the partial switch and think Nationwide should have advised me of this. Nationwide however have washed their hands of any responsibility and I am stuck with 2 package accounts until I can complete my second switch.

Has anybody else had this problem? I would understand if it was an account I'd switched to not letting me switch out again. But not letting me switch out seems quite stupid.

Comments

  • eskbanker said:
    Can't you just downgrade the one you don't want to keep, to avoid incurring charges while it's all tidied up?
    Thanks.
    Going to call in to local branch tomorrow to do that. TBH been going through a tough time with a bereavement and not wanting to deal with people. This was all supposed to have been done online so having to make calls is stress I didn't need.
  • anotheruser
    anotheruser Posts: 3,485 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    The mistake here is trying to do a "partial switch".
    Never heard of that before - it's either all or none.
    Moving DD doesn't particularly count as "partial" - you're just moving some DD to another account.
  • flo22
    flo22 Posts: 364 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Scheme rules state - 'The New Bank can signal that a partial switch is completed by marking it as complete (or sending a Notify Account Switch Complete message). If the New Bank does not do this, then the switch is auto‐completed after 3 months.'

    So if TSB state 3 months that must be because Nationwide have not marked it as complete.
    30+ years working in banking
  • northwalesd
    northwalesd Posts: 1,290 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    The mistake here is trying to do a "partial switch".
    Never heard of that before - it's either all or none.
    Moving DD doesn't particularly count as "partial" - you're just moving some DD to another account.
    Yet here it is, perfectly described by Nationwide. https://www.nationwide.co.uk/current-accounts/help/switch-nationwide-current-account/
  • I carried out a full switch from one of my two TSB accounts to Nationwide. The switch duly took place, DDs, payees, and balance switched. However, my TSB account remained open with zero balance for exactly 3 months. It then magically closed and I received my closing paperwork just this week from TSB.

    I wondered what had happened and now I understand.  Obviously Nationwide failed to inform TSB that the switch was complete.

    Many thanks flo22

  • Daliah
    Daliah Posts: 3,792 Forumite
    1,000 Posts First Anniversary Photogenic Name Dropper
    I switched my last two accounts away from TSB on November 1 last year. Whilst the accounts no longer show online or in the app, TSB have so far sent me 2 emails to say I have statements in my inbox. Neither email was actually true. Both accounts also still show as active, as of 22/11/2021, in my credit reference files. So somehow the accounts are still alive in their systems. 
  • anotheruser
    anotheruser Posts: 3,485 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper I've been Money Tipped!
    The mistake here is trying to do a "partial switch".
    Never heard of that before - it's either all or none.
    Moving DD doesn't particularly count as "partial" - you're just moving some DD to another account.
    Yet here it is, perfectly described by Nationwide. https://www.nationwide.co.uk/current-accounts/help/switch-nationwide-current-account/
    Really?
    You think their marketing makes it a real thing?
    As (it appears) no other bank supports it, is it any wonder things may go wrong?
    If you want to move the direct debits, just contact the companies and move them yourself - then you are eliminating a 3rd party mistake.
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