We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Bank account closed, very scared
Comments
-
Does anyone know if I give my employer my new bank details on the 13th , and the bank close my account, will my wages still go in?0
-
You'd need to ask your payroll department what the cutoff date is for changes to be applied but if your employer tries to pay into an account that's been closed by the time of attempted payment, it will be bounced back to the employer.confusedandscared1996 said:Does anyone know if I give my employer my new bank details on the 13th , and the bank close my account, will my wages still go in?1 -
update -- No cifas marker! woooooooooooooooooooop. what should I do now? wait for national hunter? do all banks use that, are there any others I need to check?
also will my account hopefully stay open now?0 -
It's an encouraging sign but you're still none the wiser about why two different banks have closed accounts within the last week, so I wouldn't be too confident yet.confusedandscared1996 said:update -- No cifas marker! woooooooooooooooooooop. what should I do now? wait for national hunter? do all banks use that, are there any others I need to check?
also will my account hopefully stay open now?1 -
@enthusiasticsaver suggested it may be worth viewing your credit files from the credit reference agencies or something like Clearscore instead. Have you been able to do that? If not, here is a good guide: https://www.moneysavingexpert.com/loans/check-free-credit-report/confusedandscared1996 said:update -- No cifas marker! woooooooooooooooooooop. what should I do now? wait for national hunter? do all banks use that, are there any others I need to check?
also will my account hopefully stay open now?If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.1 -
I checked my file using totallymoney and although I have a lot of debt there doesn't appear to be anyything on there apart from defaults.
after national hunter is there anything else I need to check?
1 -
How many defaults were there, and were there any from either HSBC or First Direct? I know you mentioned Old Debt with RBS in your original post, but wondering if there are multiple.confusedandscared1996 said:I checked my file using totallymoney and although I have a lot of debt there doesn't appear to be anyything on there apart from defaults.
after national hunter is there anything else I need to check?
You could try putting in a Data Subject Access Request to providers who closed your accounts, but this may not yield much information.If you want me to definitely see your reply, please tag me @forumuser7 Thank you.
N.B. (Amended from Forum Rules): You must investigate, and check several times, before you make any decisions or take any action based on any information you glean from any of my content, as nothing I post is advice, rather it is personal opinion and is solely for discussion purposes. I research before my posts, and I never intend to share anything that is misleading, misinforming, or out of date, but don't rely on everything you read. Some of the information changes quickly, is my own opinion or may be incorrect. Verify anything you read before acting on it to protect yourself because you are responsible for any action you consequently make... DYOR, YMMV etc.1 -
3 old defaults. And 22k in debt.ForumUser7 said:
How many defaults were there, and were there any from either HSBC or First Direct? I know you mentioned Old Debt with RBS in your original post, but wondering if there are multiple.confusedandscared1996 said:I checked my file using totallymoney and although I have a lot of debt there doesn't appear to be anyything on there apart from defaults.
after national hunter is there anything else I need to check?
You could try putting in a Data Subject Access Request to providers who closed your accounts, but this may not yield much information.1 -
I took out 3 payday loans in the last month. Could this be the cause?
1 -
Did you have overdraft facilities on either of the accounts that were closed?confusedandscared1996 said:I took out 3 payday loans in the last month. Could this be the cause?1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.2K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.9K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards