Switched over 3 years ago, what happens to attempted payments in?

DullGreyGuy

Sea_Shell said:

Is there a way to check to see if an account number is active?

Try and set up a payee to it, called Joe Blogs?

Will it just say mismatch, or will it say account doesn't exist?



Actually, not sure I have the full number, just the last 4 digits on correspondence.

try doing a 1p payment but there are really three options: 1 Invalid account number 2 unallocated account number and 3 allocated account number. Dont know if 1 and 2 would be differentiated in the response and guessing a number thats 2 is going to be hard... doing 1 should be easy by just changing the last digit of an account you hold

Sea_Shell

I've dug out my paperwork and I DO have the full account numbers.

Will do some investigation 😉

Sea_Shell

So, having tried to set up my old account as a new payee I get...

Santander (original account)

! We can't confirm these details 
This account has been switched to another bank.  Please confirm the new details with your payee.

Then, when trying the "switched to" account (HBoS) it says...

This account doesn't exist.  (I also tried this with a random name and it said the same). 


It was subsequently switched back to Santander during their 2019 switching bonanza!!  Odd that I didn't get the same message.

Olinda99

sounds like is hasn't been re-allocated as you would get a 'name doesnt match' message

Sea_Shell

Not heard back from SF yet, but I think I've found a work around in respect of DHs policy, as there isn't a way to easily change your bank details online.  (should have thought to do it with mine)

Restart monthly payments at £10 (minimum), with the DD from the correct account, and then close the account once the first payment has been made.    

Plenty of ISA limit to play with.  

They should then sent all the (closure) money back to that account.   

I think that will be easier than ringing and going through it all on the phone.   

Sound like a plan?  

Sea_Shell

Just been reading some recent reviews of Scottish Friendly.

Oh dear, not good.

Don't rate my chances with getting my problem sorted ☹️

Sea_Shell

I've now heard back from SF

They have said...

We can confirm that the payment will bounce back to us after 10 working days. Once the payment has bounced back we will then do a payment trace and try* locate this. When we do, we will ask for a bank statement dated within the last 3 months of your new account.


So I guess I sit tight for a bit, and wait until they contact me and ask for a copy statement.   I hope they'll accept a PDF, as I have paperless statements.    Not overly happy about supplying all my month's banking transactions mind, especially when accounts can be 'payee confirmed' these days.   Hey-ho.


* Don't like the use of "try" in this sentence.    The money should be sitting in a slush account, so they had better be able to find it!!!    At least they said "when we do" not "if we do" 
 

In other news, we've set up a new DD for DH's account, so hopefully once that's made a payment, we can close the account no problems.  

wmb194

Sea_Shell said:

I've now heard back from SF

They have said...

We can confirm that the payment will bounce back to us after 10 working days. Once the payment has bounced back we will then do a payment trace and try* locate this. When we do, we will ask for a bank statement dated within the last 3 months of your new account.


So I guess I sit tight for a bit, and wait until they contact me and ask for a copy statement.   I hope they'll accept a PDF, as I have paperless statements.    Not overly happy about supplying all my month's banking transactions mind, especially when accounts can be 'payee confirmed' these days.   Hey-ho.


* Don't like the use of "try" in this sentence.    The money should be sitting in a slush account, so they had better be able to find it!!!    At least they said "when we do" not "if we do" 
 

In other news, we've set up a new DD for DH's account, so hopefully once that's made a payment, we can close the account no problems.  

It's a small organisation so I'd imagine working through the transactions in its suspense accounts can't be too difficult.

Sea_Shell

Well, to conclude, got an email from SF on 22nd asking for a PDF bank statement where to send the money, which I sent straight away.

Money arrived safe and sound this morning 😁