Faster Payments Down

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  • polymaff
    polymaff Posts: 3,904 Forumite
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    Got my final three payments made - a business week late.

    One was to the Co-op.

    Hey! Guess what? Their website is down this morning.

    Sheeesh !
  • glider3560
    glider3560 Posts: 4,115 Forumite
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    pinkdalek wrote: »
    How did we ever manage before?
    If we knew a payment would take 3 days to clear plus 2 days to arrive in the post, we'd send the payment 5 days in advance. Now a payment clears in 2 hours, so we send it the day it's due.

    It's not about coping differently, just about expectations having changed over the years.
  • Nick_C
    Nick_C Posts: 7,459 Forumite
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    edited 19 January 2019 at 1:23PM
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    glider3560 wrote: »
    If we knew a payment would take 3 days to clear plus 2 days to arrive in the post, we'd send the payment 5 days in advance. Now a payment clears in 2 hours, so we send it the day it's due.

    It's not about coping differently, just about expectations having changed over the years.

    Unwise, because although FPs "usually" reach the recipient within two hours (and most seem to be instant), that is not a guarantee. The guarantee is by the end of the next working day.

    Maybe "guarantee" is inappropriate, but that's the legal requirement imposed by the (second European) Payment Services Directive.
  • polymaff
    polymaff Posts: 3,904 Forumite
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    Q. E. D. :)
  • No_6
    No_6 Posts: 835 Forumite
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    any body on HERE that watches Netflix !!
    when banking GOES down and the internet ??

    what a load of PANIC because you payments are not showing for a FEW hours

    dread to think what would actually happen,,,, if it was real
  • unrecordings
    unrecordings Posts: 2,017 Forumite
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    edited 20 January 2019 at 12:31AM
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    who's panicKING EXactly..?

    Why am I in this handcart and where are we going ?
  • unrecordings
    unrecordings Posts: 2,017 Forumite
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    edited 20 January 2019 at 11:42AM
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    Friday's payment still hadn't gone through this morning, so while I had resolved to wait till Monday and take a view I decided to call Lloyds and get some clarity in lieu of any online messaging.

    Their advice was, if the payment had not gone through by now then resend it, which I did and it (seemed) to work straight away.

    While I was there I asked about compensation for the cost of the calls - which they were happy to cover along with a further amount for inconvenience. They were also happy to cover charges caused by the delayed payment, but I made them aware that didn't apply in this case. So there you have it, if you feel aggrieved - complain or switch

    Why am I in this handcart and where are we going ?
  • northwalesd
    northwalesd Posts: 1,168 Forumite
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    No_6 wrote: »
    dread to think what would actually happen,,,, if it was real

    At least one plus point I can think of.
  • wavelets
    wavelets Posts: 1,164 Forumite
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    Payment still not sent from Friday
    The online messaging seems to have disappeared from my online account and similar to a previous poster, I am sure I did not ask to delete it.
    No message to retry sending payment (and the problem with phone calls is there is no evidence later)
    But there is twitter :)

    Last message on @AskLloydsBank
    Faster Payments are now being processed but there may be a delay in processing some payments. We continue to advise customers they shouldn’t submit second payments to avoid duplicates. We’re sorry for any inconvenience & assure customers they won’t be out of pocket as a result.
  • wavelets
    wavelets Posts: 1,164 Forumite
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    I know the above tweet was made on Friday (18th) but someone, or rather some people, are using the account right now!
    https://downdetector.co.uk/problems/lloyds-bank

    You'd have thought they'd have updated the account if there was any update

    Note the following discussion from there (17 hours ago)
    • Natasha Fielding • 17 hours ago According to the bloke I’ve just spoken to any faster paymeythat should of gone yesterday and still haven’t won’t be going and we won’t have double taken! At 9 this morning I was told not to re send.

      Reply

    There are more recent posts from others still waiting
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