Switching failure and slow transations

JoexBloggs

Bank 1: Nationwide - I try to Switch away to bank 2 TSB. My initial application is rejected, I thought for insufficient ID (completed online) so I retied in the app. This is rejected too. However a switch has been started and all my direct debits are moved to TSB. I ask Nationwide and TSB for help and they both blame each other.

At the same time I need to make a payment, I decide to use money from Bank 3: Trading 212. Bank transfer is usually instant, but still hasn't cleared (they have assured me it will clear after 3 days). Therefore I use my overdraft and money is tight. I do a bit of juggling and use bank 4: Halifax to get extra overdraft and make my payment. I make an instant payment from Halifax to Nationwide and this still hasn't cleared. Both banks blame each other for this issue and have conflicting solutions. Nationwide says use forward trace. Halifax says for them to take payment reference.

I contacted CASS, they were useless, said it's not their problem.
I have asked for chargeback from Halifax as I need this money back.

If my don't get money cleared from Trading 212 tomorrow I'm going to be in a mess. I'm going to need to make payments before the end of the month.

Nationwide say there are no blocks on my account. My credit rating is apparently "very good."

Essentially the general response from banks has been "computer says no."

I am disappointed by the poor service of these banks to get my issues resolved.

Anyone who has suggestions to help me solve these issues where banks blame each other would be great. It has been really frustrating, but I can't get angry as that won't help anyone.

It is TSB I am most annoyed with they completely messed up my Nationwide account and my Switch.

Ayr_Rage

Surely if a switch has been actioned then you shouldn't be sending funds to Nationwide as that account is going to be closed.

Where did you sends funds from T212 to?

Do you now have an account number for your new TSB account and can you access it online?

Edit : Just seen your other topic where you allege fraud on your Santander card

https://forums.moneysavingexpert.com/discussion/6612333/app-fraud-santander-edge-credit-card#latest

In view of your interaction with them and you obviously moving money between numerous other banks suggest you check your credit files and CIFAS to see if there are any markers showing.

born_again

JoexBloggs said:

Bank 1: Nationwide - I try to Switch away to bank 2 TSB. My initial application is rejected, I thought for insufficient ID (completed online) so I retied in the app. This is rejected too. However a switch has been started and all my direct debits are moved to TSB. I ask Nationwide and TSB for help and they both blame each other.

At the same time I need to make a payment, I decide to use money from Bank 3: Trading 212. Bank transfer is usually instant, but still hasn't cleared (they have assured me it will clear after 3 days). Therefore I use my overdraft and money is tight. I do a bit of juggling and use bank 4: Halifax to get extra overdraft and make my payment. I make an instant payment from Halifax to Nationwide and this still hasn't cleared. Both banks blame each other for this issue and have conflicting solutions. Nationwide says use forward trace. Halifax says for them to take payment reference.

I contacted CASS, they were useless, said it's not their problem.
I have asked for chargeback from Halifax as I need this money back.

If my don't get money cleared from Trading 212 tomorrow I'm going to be in a mess. I'm going to need to make payments before the end of the month.

Nationwide say there are no blocks on my account. My credit rating is apparently "very good."

Essentially the general response from banks has been "computer says no."

I am disappointed by the poor service of these banks to get my issues resolved.

Anyone who has suggestions to help me solve these issues where banks blame each other would be great. It has been really frustrating, but I can't get angry as that won't help anyone.

It is TSB I am most annoyed with they completely messed up my Nationwide account and my Switch.

Chargebacks do not cover banking payments, only card payments.

35har1old

Ayr_Rage said:

Surely if a switch has been actioned then you shouldn't be sending funds to Nationwide as that account is going to be closed.

Where did you sends funds from T212 to?

Do you now have an account number for your new TSB account and can you access it online?

Edit : Just seen your other topic where you allege fraud on your Santander card

https://forums.moneysavingexpert.com/discussion/6612333/app-fraud-santander-edge-credit-card#latest

In view of your interaction with them and you obviously moving money between numerous other banks suggest you check your credit files and CIFAS to see if there are any markers showing.

It would be sent on

JoexBloggs

to give some context on the TSB switch - they opened the account, switched my payments out then closed the account twice whilst leaving my nationwide account open.

TSB and nationwide are blaming each other for the failed switch. TSB says nationwide need to tell me and vice versa if you get it.

TSB customer support is absolutely hopeless.

The slow transfers are interesting cases.

Halifax => Nationwide was faster transfer (supposed to instant under 2 hours as I understand) - it's been 3 days and still not arrived.

Trading 212 = > Nationwide could take up to 3 days - it's taken 3 days so far, I'm hoping it comes today.

Yes, perhaps the venting page would be better. But also I am looking for solutions. 

JoexBloggs

It seems now that Nationwide have lost £4150 of my money.

Halifax and Trading 212 are saying that payments have been executed and providing proof of payment. Nationwide is denying all knowledge and asking for a forward trace that so far Halifax have refused to provide. The saga continues.

If anyone knows who I can complain to other than the bank or what questions to ask I would appreciate some input.