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  • FIRST POST
    • LeeBalders
    • By LeeBalders 17th Nov 14, 12:19 PM
    • 38Posts
    • 34Thanks
    LeeBalders
    Yorkshire & Clydesdale Banks offering 150 for switching
    • #1
    • 17th Nov 14, 12:19 PM
    Yorkshire & Clydesdale Banks offering 150 for switching 17th Nov 14 at 12:19 PM
    The Daily Mail are reporting that Clydesdale and Yorkshire banks are now offering 150 to switch to one of their current accounts. They require a 1000 pay-in each month but no direct debits mentioned (guessing the article was referring to the Current Account Direct).
Page 3
  • ninetynine
    You are quite right, given your existing relationship with YB you are not eligible for this offer.
    Originally posted by colsten
    That's a shame but it's the answer I was expecting. Oh well. Thanks for the prompt reply.
    • aliasojo
    • By aliasojo 19th Nov 14, 8:31 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    Clydesdale must be snowed under this morning, recorded message on the current account line saying they are so busy they can't take calls.
    Herman - MP for all!
    • derrick
    • By derrick 19th Nov 14, 10:25 AM
    • 7,161 Posts
    • 2,341 Thanks
    derrick
    I have just tried this over the phone and asked for the switching service to be used, I am told that the sort code for the current account I am using is "not eligible".

    The current acc is Nationwide Flexdirect, sort code 070246. Is there a reason behind this?


    .

    .
    Don`t steal - the Government doesn`t like the competition


    • fuzzgun19
    • By fuzzgun19 19th Nov 14, 10:41 AM
    • 7,497 Posts
    • 61,547 Thanks
    fuzzgun19
    I have just tried this over the phone and asked for the switching service to be used, I am told that the sort code for the current account I am using is "not eligible".

    The current acc is Nationwide Flexdirect, sort code 070246. Is there a reason behind this?
    .
    Originally posted by derrick
    That sounds strange.. Maybe you got someone who doesn't know what they're doing.
    I can't see anything in the T&C that says some accounts don't qualify.
    I Hate Jobsworths!!!
    • aliasojo
    • By aliasojo 19th Nov 14, 10:48 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    I have just tried this over the phone and asked for the switching service to be used, I am told that the sort code for the current account I am using is "not eligible".

    The current acc is Nationwide Flexdirect, sort code 070246. Is there a reason behind this?


    .

    .
    Originally posted by derrick
    On hold presently, asked the csa about this was told it's possibly because nationwide is classed as a building society rather than a bank. That can cause issues. Apparently.



    My application needs to be referred to an underwriter for some reason. PITA.

    Every other bank is happy with my 'homemaker' status and I don't recall having to list what credit cards I have with what balances for any other current account application, especially since I don't want an overdraft, so it seems to me that Clydesdale have too many proverbial hoops and requirements.

    I have several credit cards on the go right now, all are at 0% and are being stoozed but she didn't ask me if I had savings accounts with high balances!

    I wont be holding my breath on this one but I was really hoping I could finally get rid of my co-op account which I absolutely loathe with a vengeance!
    Last edited by aliasojo; 19-11-2014 at 10:59 AM.
    Herman - MP for all!
    • fuzzgun19
    • By fuzzgun19 19th Nov 14, 10:59 AM
    • 7,497 Posts
    • 61,547 Thanks
    fuzzgun19
    On hold presently, asked the csa about this was told it's possibly because nationwide is classed as a building society rather than a bank. That can cause issues. Apparently.
    Originally posted by aliasojo
    Weird.. their t&c's say otherwise.

    "You are eligible for this offer if: (a) you hold a current account with another bank or building society and you meet the Qualifying Criteria outlined
    below; "
    I Hate Jobsworths!!!
    • aliasojo
    • By aliasojo 19th Nov 14, 11:00 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    Thats strange. Their t&c's say otherwise.

    "You are eligible for this offer if: (a) you hold a current account with another bank or building society and you meet the Qualifying Criteria outlined
    below; "
    Originally posted by fuzzgun19
    I'd be challenging why my account wasn't acceptable if I was derrick. Seems not all the csa's are singing from the same sheet maybe?
    Herman - MP for all!
    • fuzzgun19
    • By fuzzgun19 19th Nov 14, 11:01 AM
    • 7,497 Posts
    • 61,547 Thanks
    fuzzgun19
    Aliasojo, did they ask you anything about the account you wanted to switch?

    Did they say the delay was because you're a homemaker?
    Last edited by fuzzgun19; 19-11-2014 at 11:04 AM.
    I Hate Jobsworths!!!
    • aliasojo
    • By aliasojo 19th Nov 14, 11:04 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    I asked them specifically first before I started the process. I made it clear it was a co-op current account, she checked the sort code and account number and said it was fine so she then started the process.

    They check the identity stuff first and if that is ok they then go through the rest of the application and ask details about your income and debts.
    Herman - MP for all!
    • derrick
    • By derrick 19th Nov 14, 11:04 AM
    • 7,161 Posts
    • 2,341 Thanks
    derrick
    On hold presently, asked the csa about this was told it's possibly because nationwide is classed as a building society rather than a bank. That can cause issues. Apparently.
    Originally posted by aliasojo


    Yes I have spoken to another csa and they say it is because building societies usually don't allow switching services to be used, so I have used a Co-op account.



    .
    Last edited by derrick; 19-11-2014 at 11:18 AM.
    Don`t steal - the Government doesn`t like the competition


    • aliasojo
    • By aliasojo 19th Nov 14, 11:07 AM
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    • 48,387 Thanks
    aliasojo
    Yes I have spoken to another csa and they say it is because building societies usually don't allow switching services to be used, so I have used a Co-op account.
    Originally posted by derrick
    FWIW, I've recently switched 3 Nationwide current accounts to Halifax. co-op & M&S, never had any bother.

    Think the issue is with Clydesdale/Yorkshire.
    Herman - MP for all!
    • aliasojo
    • By aliasojo 19th Nov 14, 11:10 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    Aliasojo, did they ask you anything about the account you wanted to switch?

    Did they say the delay was because you're a homemaker?
    Originally posted by fuzzgun19
    She didn't say but she did come back on the line to ask specifically if I'd be paying in directly to the account every month. Obviously I said yes.

    I suspect it's down to my credit card balances and the fact I've switched a few times over the last 6 months or so.
    Herman - MP for all!
    • fuzzgun19
    • By fuzzgun19 19th Nov 14, 11:10 AM
    • 7,497 Posts
    • 61,547 Thanks
    fuzzgun19
    I asked them specifically first before I started the process. I made it clear it was a co-op current account, she checked the sort code and account number and said it was fine so she then started the process.

    They check the identity stuff first and if that is ok they then go through the rest of the application and ask details about your income and debts.
    Originally posted by aliasojo
    Ok, I've switched a few times too lol I'm interested to see if they accept you, I want to do this too, but would be putting homemaker.
    So, they ask about ID, income, and any credit cards, is that correct?
    I Hate Jobsworths!!!
    • aliasojo
    • By aliasojo 19th Nov 14, 11:16 AM
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    • 48,387 Thanks
    aliasojo
    Ok, I've switched a few times too lol I'm interested to see if they accept you, I want to do this too, but would be putting homemaker.
    So, they ask about ID, income, and any credit cards, is that correct?
    Originally posted by fuzzgun19
    And what your mortgage payment is and if you have loans etc.

    They also want to know about old dormant credit accounts you haven't used in ages so if you have any, try to remember them or close them sharpish. Basically anything financial, they want to know about it.

    They also ask if you are tied into your mortgage (clearly looking to see if they can sell you something else!)
    Herman - MP for all!
    • fuzzgun19
    • By fuzzgun19 19th Nov 14, 11:21 AM
    • 7,497 Posts
    • 61,547 Thanks
    fuzzgun19
    Thanks aliasojo. Just one more question, what details did they ask about for the account to be switched, card number or anything like that?
    I Hate Jobsworths!!!
    • aliasojo
    • By aliasojo 19th Nov 14, 11:24 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    They asked for sort code and account number but I asked specifically if this account could be switched ok so I don't know if they ask for these normally or not, can't help there, sorry.
    Herman - MP for all!
    • castle96
    • By castle96 19th Nov 14, 11:24 AM
    • 1,922 Posts
    • 349 Thanks
    castle96
    DIDNT ASK ME FOR A CARD nO, JUST ACCOUNT AND SORT CODE
    OOPS CAPS
    • fuzzgun19
    • By fuzzgun19 19th Nov 14, 11:27 AM
    • 7,497 Posts
    • 61,547 Thanks
    fuzzgun19
    Thanks both, I think hubby is going to try after work with a Halifax account, so will report back.
    I Hate Jobsworths!!!
    • aliasojo
    • By aliasojo 19th Nov 14, 11:32 AM
    • 22,264 Posts
    • 48,387 Thanks
    aliasojo
    Just remembered, they also ask how many other current accounts you have.

    I kinda glossed over that and said I have a few but the co-op one I wanted to switch was to be my main one.

    I have 10 sole and 1 joint. That could be a problem, lol.

    I cycle funds through them for various reasons, Halifax Reward accounts for the fivers and TSB & Lloyds accounts for the 5% & 4% as well as BoS accounts for 3%. My stooze pots are kept in some and the funds for various household bills are in others.

    I expect I'm going to get knocked back.
    Herman - MP for all!
    • Hazzanet
    • By Hazzanet 19th Nov 14, 12:20 PM
    • 1,655 Posts
    • 934 Thanks
    Hazzanet
    PMSL

    Bank: Is this going to be your main current account?
    Me: Probably not.
    Bank: Are you going to be paying bills from it?
    Me: Probably not.
    Bank: So what's the account for?
    Me: Savings.
    Bank: Savings?
    Me: Yes
    Bank: But it's a current account?
    Me: That pays 2% up to 3k.
    Bank: Okay; fair enough.

    Pack on its way in the post
    4358
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