JN bank uk are amateur incompetent and unprofessional

lettie221164

I wish I'd seen negative comments re JN bank UK on this forum before depositing my life savings (£50k) in an account with them. I am wondering if what happened to me is a common theme. Basically I had trouble logging onto my account earlier so I called their UK number and spent half an hour listening to a representative tell me that they have no record of any account in my name or with any of my other identifiable information that I provided. I repeatedly told her that I am in the UK and that I opened an account in the UK and that I did that with their UK division but still nothing.  Eventually I asked her whether the sort code that I had used to transfer funds into is actually their sort code in the UK (to try and find out if id sent it to a scammer) and she said "no" even when I repeated it and told her that I was reading all this from an email they sent me confirming that the account had been set up. She asked for the email address that the confirmation email came from and said that wasn't their email address. By this point I was 100% convinced that I'd been scammed, either by them or a fraudulent company using their name, out of money that I will need to pay for care. I felt sick and started hyperventilating. At this point she offered to transfer me to their "UK office" despite having been told repeatedly that I thought I WAS speaking to them already etc. Then she cut me off adding to my fear that I had been conned. Something made me ring back though, hoping to speak to someone else, which I did and this time (having redialed the exact same number) a UK representative answered, immediately found my account and helped me to reset my password and log in.  It was such a horrific experience and if the product wasn't a fixed term with penalties I'd be closing that account today and sucking up the fact that I would achieve a much lower interest rate elsewhere now that rates have fallen. I hope this post helps anyone either avoid JN UK or find their way through dealing with problems with what to me feels like a very amateur and unprofessional institution.     

Swipe

What is the rate they offering? Stick to a known bank in future. That kind of stress isn't worth the extra 0.5%

masonic

Unclear what happened here to cause your call to be connected with the wrong destination, but no organisation is immune to technical problems, isolated incidents, or for that matter a rogue employee. The second person you spoke to seems to have been fine. Sometimes you do just have to hang up and try again.

Bigwheels1111

With the 30 plus accounts I have these things happen.
Not had any dealings with them, but all banks, building societies etc have issues.
Kent reliance are so bad it took 3 months to get my money into their account and out again.
Took them to the Financial Ombudsman, it cost them big time.
And they are a well known building society.

Section62

lettie221164 said:

I wish I'd seen negative comments re JN bank UK on this forum before depositing my life savings (£50k) in an account with them. I am wondering if what happened to me is a common theme. Basically I had trouble logging onto my account earlier so I called their UK number and spent half an hour listening to a representative tell me that they have no record of any account in my name or with any of my other identifiable information that I provided. I repeatedly told her that I am in the UK and that I opened an account in the UK and that I did that with their UK division but still nothing.  Eventually I asked her whether the sort code that I had used to transfer funds into is actually their sort code in the UK (to try and find out if id sent it to a scammer) and she said "no" even when I repeated it and told her that I was reading all this from an email they sent me confirming that the account had been set up. She asked for the email address that the confirmation email came from and said that wasn't their email address. By this point I was 100% convinced that I'd been scammed, either by them or a fraudulent company using their name, out of money that I will need to pay for care. I felt sick and started hyperventilating. At this point she offered to transfer me to their "UK office" despite having been told repeatedly that I thought I WAS speaking to them already etc. Then she cut me off adding to my fear that I had been conned. Something made me ring back though, hoping to speak to someone else, which I did and this time (having redialed the exact same number) a UK representative answered, immediately found my account and helped me to reset my password and log in.  It was such a horrific experience and if the product wasn't a fixed term with penalties I'd be closing that account today and sucking up the fact that I would achieve a much lower interest rate elsewhere now that rates have fallen. I hope this post helps anyone either avoid JN UK or find their way through dealing with problems with what to me feels like a very amateur and unprofessional institution.     

So other than your initial call being misrouted or something, was there anything else that led you to say "JN bank uk are amateur incompetent and unprofessional" ?

lettie221164

I’ve read other reports on here of savers saying they had paid money into a JN account then it disappeared so I was trying to share my experience of initially being told there was no account in my name (even though I opened it months ago) and why that person was wrong in the hope it might help others either avoid them or unravel the mystery of money apparently going missing when perhaps they had been wrongly connected and then dealt with someone who couldn’t understand how to help them that’s all 

xylophone

 Personally I would never touch them.

I've had accounts with them for years - quite satisfied.

brucefan_2

lettie221164 said:

I’ve read other reports on here of savers saying they had paid money into a JN account then it disappeared so I was trying to share my experience of initially being told there was no account in my name (even though I opened it months ago) and why that person was wrong in the hope it might help others either avoid them or unravel the mystery of money apparently going missing when perhaps they had been wrongly connected and then dealt with someone who couldn’t understand how to help them that’s all 

Do you have links to these other reports please?

masonic

brucefan_2 said:

lettie221164 said:

I’ve read other reports on here of savers saying they had paid money into a JN account then it disappeared so I was trying to share my experience of initially being told there was no account in my name (even though I opened it months ago) and why that person was wrong in the hope it might help others either avoid them or unravel the mystery of money apparently going missing when perhaps they had been wrongly connected and then dealt with someone who couldn’t understand how to help them that’s all 

Do you have links to these other reports please?

There was a thread in the Over 50s board a few years ago that gathered a few disgruntled posters, including, latterly, the OP: https://forums.moneysavingexpert.com/discussion/6221496/jn-bank-savings-is-my-poor-experience-typical

For balance: https://forums.moneysavingexpert.com/discussion/comment/80403616/#Comment_80403616

Whereas here in the appropriate section, there has been very little commentary. The only ones before this thread I have seen were positive. No news is invariably a vote of confidence, especially when an account has been top of the MSE rate tables. If there was a systemic problem, we'd have been inundated.

I make it 4 dissatisfied forumites over the space of a little over 3 years.

brucefan_2

@masonic

Thank you - I've just had a quick read through those threads and it's clarified what I suspected would be the case.

35har1old

Bigwheels1111 said:

With the 30 plus accounts I have these things happen.
Not had any dealings with them, but all banks, building societies etc have issues.
Kent reliance are so bad it took 3 months to get my money into their account and out again.
Took them to the Financial Ombudsman, it cost them big time.
And they are a well known building society.

They aren't a building society that are listed on BSA website
They are part of One bank PLC