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Post by iolar on Apr 7, 2024 18:11:09 GMT 1
Weeks ago now I arranged to change the banking arrangements for my wife's pensions both State and NHS and my wife wrote a cheque to transfer money from her bank to my building society.
The cheque was posted signed for delivery with a printed address - it has never arrived. I downloaded forms to transfer both pensions and again posted with clear printed addresses. By now both pensions should have been paid in, one in Euros to our joint account in France and the other to Wise - nothing has happened which means we have precious little in our joint account here in France.
For one letter not to arrive is bad enough but all 3. Both our UK accounts will be closed but not before I've got a VPN set up on my new mini PC. Tomorrow I have to go to the bank to explain. I expect zero positivity banks are banks.
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Post by elsie on Apr 8, 2024 9:24:42 GMT 1
Proceed with caution. Although the originating IP address cannot be determined when using a VPN, the fact you are using a VPN can be detected. My French bank will not allow me to access my account if the VPN on my phone is turned on. However, it is not a problem with my UK bank. There are some other services which will not allow access if a VPN is in use.
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,557
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Post by suein56 on Apr 8, 2024 10:26:08 GMT 1
Tomorrow I have to go to the bank to explain. I expect zero positivity banks are banks. Iolar .. I find your post confusing as you don't say where all this is happening. Are you in France, in the UK ? Which Banks are causing you problems ?
Edit : As an aside there are huge postal/delivery problems in certain parts of the UK .. delays and non-delivery can be rife in some areas. This I have found when I have posted letters from Brittany to the UK.
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Post by limousinlady on Apr 8, 2024 13:58:33 GMT 1
Iolar, did you post recommande and signature from France to UK? We have recently used this service twice in the last couple of months. It took time for the tracking to be updated in France and there seemed to be a delay with the letters leaving France (or the tracking being updated) but both took about 2 weeks to get to their destination in the UK and confirmation of delivery on the tracking site. We didn't use the service where they have to return paperwork to you as confirmation as that in the past has taken even longer to receive. Hopefully, you just have a delay.
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Post by beejay on Apr 8, 2024 17:21:35 GMT 1
Weeks ago now I arranged to change the banking arrangements for my wife's pensions both State and NHS and my wife wrote a cheque to transfer money from her bank to my building society. The cheque was posted signed for delivery with a printed address - it has never arrived. I downloaded forms to transfer both pensions and again posted with clear printed addresses. By now both pensions should have been paid in, one in Euros to our joint account in France and the other to Wise - nothing has happened which means we have precious little in our joint account here in France. For one letter not to arrive is bad enough but all 3. Both our UK accounts will be closed but not before I've got a VPN set up on my new mini PC. Tomorrow I have to go to the bank to explain. I expect zero positivity banks are banks.
Wouldn't transferring the money electronically have been easier?
Large organisations in the UK have mail delivered in bulk which includes "signed for" although individual items are not signed for!
A certificate of posting can be useful in some cases, and cheaper.
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Post by iolar on Apr 9, 2024 18:04:45 GMT 1
Proceed with caution. Although the originating IP address cannot be determined when using a VPN, the fact you are using a VPN can be detected. My French bank will not allow me to access my account if the VPN on my phone is turned on. However, it is not a problem with my UK bank. There are some other services which will not allow access if a VPN is in use. Thanks for that info elsie.
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Post by iolar on Apr 9, 2024 18:25:39 GMT 1
Tomorrow I have to go to the bank to explain. I expect zero positivity banks are banks. Iolar .. I find your post confusing as you don't say where all this is happening. Are you in France, in the UK ? Which Banks are causing you problems ?
Edit : As an aside there are huge postal/delivery problems in certain parts of the UK .. delays and non-delivery can be rife in some areas. This I have found when I have posted letters from Brittany to the UK.
If you read my posts carefully there is nothing confusing _ we live in France - have no problem with our French bank which I state is Banque Populaire. I also state clearly that the UK bank First Direct and the building society Nationwide are the problem. I also state very clearly that I sent the cheque to Nationwide by signed for delivery. I sent the cheque letter on February 2nd and the two change of bank letters for my wife's NHS and State pen sions using the correct downloaded forms on February 4th. it now 'appear's that the cheque letter did arrive and Nationwide sent it to FD this contradicts what my old local branch to which I sent the cheque told me. it does appear that the whole fabric of life in the UK is disintegrating - the NHS, the postal service, getting a doctor's RDV. Violence in the streets, domestic violence, rape convictions. My cousin Zak who lives an hour's drive inland.from Aberdeen who took early retirement helps part time in a food bank, he is shocked at the level of poverty in what is a prosperous part of Scotland. Where we used to live even though having the highest post code prices outside London is not a safe place to be out and not only after dark. The last time I was there in 2007 you could feel the violent atmosphere eminating from the pubs. The smack dealers even before we left used to openly deal from BMWs in the main streets. At least where we have lived in two different countries Spain and France we have never felt unsafe. Burglary - one burglary in the next street 3 years ago, every one was shocked and that's in 23 years living abroad. Brighton was always a bit seedy but a good place to live and now?
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Post by ajm on Apr 9, 2024 18:41:42 GMT 1
Weeks ago now I arranged to change the banking arrangements for my wife's pensions both State and NHS and my wife wrote a cheque to transfer money from her bank to my building society. The cheque was posted signed for delivery with a printed address - it has never arrived. I downloaded forms to transfer both pensions and again posted with clear printed addresses. By now both pensions should have been paid in, one in Euros to our joint account in France and the other to Wise - nothing has happened which means we have precious little in our joint account here in France. For one letter not to arrive is bad enough but all 3. Both our UK accounts will be closed but not before I've got a VPN set up on my new mini PC. Tomorrow I have to go to the bank to explain. I expect zero positivity banks are banks.
Wouldn't transferring the money electronically have been easier?
Large organisations in the UK have mail delivered in bulk which includes "signed for" although individual items are not signed for!
A certificate of posting can be useful in some cases, and cheaper.
Electronic is the way to go unfortunately but it works. I transferred a lump of money from one of my Uk banks to another and consolidated that with a similar amount to NSandI. It all worked within minutes.
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Post by iolar on Apr 10, 2024 9:42:02 GMT 1
Wouldn't transferring the money electronically have been easier?
Large organisations in the UK have mail delivered in bulk which includes "signed for" although individual items are not signed for!
A certificate of posting can be useful in some cases, and cheaper.
Electronic is the way to go unfortunately but it works. I transferred a lump of money from one of my Uk banks to another and consolidated that with a similar amount to NSandI. It all worked within minutes. MY wife with great difficulty because of her hearing problems made a transfer of £15K from her First Direct account to mine at nationwide, that was 2 weeks ago. She was informed on Monday that it didn't go through stopped by the bank's fraud dept. I was promised a call at 'some time that day to me in France, it never materialised. What is suspicious about a spouse sending money to her husband. If you looked at my details you would see that we live in France. The cheque my wife wrote was from her First Direct account in the UK - it was sent from France NOT to Nationwide head office but to my Nationwide account which is in Hove and it was sent signed for from la Poste. Supposedly it never arrived. On Monday when my wife arranged with great difficulty to send £15K to her account with Wise I questioned what had happened to the cheque my wife wrote. The woman spoke in a broad Scots accent and from what I understood, the cheque had arrived at Nationwide in Hove and they had sent it on to First Direct. This completely contradicts what I was told in a phone call to the Hove office. We have had no problem with a our French except that banking in France is expensive and savings products are a joke. All our problems are with the UK banks. My wife has been a client of First Direct almost from it's inception in 89. I have been a client of Nationwide from 75. Wise has been another nightmare even though my wife has only made 3 transactions all from the same UK bank to the same French bank. It's rapidly coming to the point that even though it will cost plenty we want to completely disengage from the UK altogether. If I can sort out the non existent problem with Wise and even though I will have to buy a cheap mobile for my wife to use only for her Wise account. Once our State pensions both go to our Wise accounts that's it. It's a great shame that Wise doesn't allow for joint accounts. My cousin Zak has advised his daughter not to come back to the UK from Australia where she's doing part of her degree course in animal husbandry. I want to get our funds out of Sterling. In the UK so many in finance are screaming at the BoE to drop the % rates because they know that millions of mortgages are on the brink and still the housing market goes up and up. I repeat and will continue to do so - all it will take is one shock, internally or externally for the BoE to raise % Rates further to support Sterling and that's the housing market gone. In Turkey Erdogon has raised the rate to 45%, costs to the consumer rose 65% in January. If Sterling crashes and 65% of food is imported the same would happen in the UK. The huge amount of money tied up in non performing property in the UK - sooner or later all markets correct themselves.
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Post by lindalovely on Apr 10, 2024 9:59:55 GMT 1
Lol.. "What is suspicious about a spouse sending money to her husband". It's one of the most common ways of laundering money.. put it into wifey's account and no one will question. I think all large transactions can be verified by the bank and you can be asked to provide evidence of the source of the money. It has happened to me on a couple of occasions.
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suein56
Member
Southern Morbihan 56 Brittany
Posts: 7,557
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Post by suein56 on Apr 10, 2024 10:37:55 GMT 1
"What is suspicious about a spouse sending money to her husband". It's one of the most common ways of laundering money.. put it into wifey's account and no one will question. I think all large transactions can be verified by the bank and you can be asked to provide evidence of the source of the money. it's also a question of frequency of use - the fewer large transactions made, especially with large time gaps in between, are nearly always regarded suspiciously and usually flagged up by the Bank's security/fraud system. A bit like Lurcher's problem with his seized-up CH pump, which objected to not being used for 5 months. Regular contact with your Bank and prior notice, especially when suddenly wanting to move a large amount of money, can be of the essence. A few years ago I remember arranging to move £50,000 from my Bank to Currency Fair around 4am one morning when I couldn't sleep .. I was rung by my Bank's fraud department - simply because they wanted to check it was me because of the hour. They were used to me moving large sums as we were gathering together our funds to pay for the house we had just found here but 4am was out of my usual time-frame. That was First Direct and I was quite happy that they were checking - I, too, have been with them since 1989. I find them excellent.
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Post by another on Apr 10, 2024 12:24:55 GMT 1
Nothing to stop you having two cards though. Yes you're still limited to one phone number for 2FA for the mobile app but there are no restrictions on the actual website. I have a 2nd card which my wife uses for day to day spending. BTW a change of destination bank for a state pension can be done on the phone in minutes, an NHS pension I have no idea about. Also I think most UK banking apps have the facility to scan a cheque to pay it in, I do it every year with Lloyds when HMRC send me a cheque for a refund of tax stopped by my private pension provider who will only pay to a UK IBAN.
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Post by beejay on Apr 10, 2024 12:40:54 GMT 1
Electronic is the way to go unfortunately but it works. I transferred a lump of money from one of my Uk banks to another and consolidated that with a similar amount to NSandI. It all worked within minutes. MY wife with great difficulty because of her hearing problems made a transfer of £15K from her First Direct account to mine at nationwide, that was 2 weeks ago. She was informed on Monday that it didn't go through stopped by the bank's fraud dept. I was promised a call at 'some time that day to me in France, it never materialised. What is suspicious about a spouse sending money to her husband. If you looked at my details you would see that we live in France. The cheque my wife wrote was from her First Direct account in the UK - it was sent from France NOT to Nationwide head office but to my Nationwide account which is in Hove and it was sent signed for from la Poste. Supposedly it never arrived. On Monday when my wife arranged with great difficulty to send £15K to her account with Wise I questioned what had happened to the cheque my wife wrote. The woman spoke in a broad Scots accent and from what I understood, the cheque had arrived at Nationwide in Hove and they had sent it on to First Direct. This completely contradicts what I was told in a phone call to the Hove office. We have had no problem with a our French except that banking in France is expensive and savings products are a joke. All our problems are with the UK banks. My wife has been a client of First Direct almost from it's inception in 89. I have been a client of Nationwide from 75. Wise has been another nightmare even though my wife has only made 3 transactions all from the same UK bank to the same French bank. It's rapidly coming to the point that even though it will cost plenty we want to completely disengage from the UK altogether. If I can sort out the non existent problem with Wise and even though I will have to buy a cheap mobile for my wife to use only for her Wise account. Once our State pensions both go to our Wise accounts that's it. It's a great shame that Wise doesn't allow for joint accounts. My cousin Zak has advised his daughter not to come back to the UK from Australia where she's doing part of her degree course in animal husbandry. I want to get our funds out of Sterling. In the UK so many in finance are screaming at the BoE to drop the % rates because they know that millions of mortgages are on the brink and still the housing market goes up and up. I repeat and will continue to do so - all it will take is one shock, internally or externally for the BoE to raise % Rates further to support Sterling and that's the housing market gone. In Turkey Erdogon has raised the rate to 45%, costs to the consumer rose 65% in January. If Sterling crashes and 65% of food is imported the same would happen in the UK. The huge amount of money tied up in non performing property in the UK - sooner or later all markets correct themselves.
Any transaction that involves £10000 or more comes under money laundering rules.
You can pay cheques into NW accounts by photo.
Money transfer between banks is easy to by electronic means.
And the UK is nowhere as bad as you state. Parts of France are having the same problems.
French banking seems to be a constant complaint by some who chose to live there.
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Nifty
Member
Posts: 5,046
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Post by Nifty on Apr 10, 2024 13:40:52 GMT 1
‘ What is suspicious about a spouse sending money to her husband.’
Nothing.
The main thing it’s that the bankers have got your money and they are doing all within their means to hang on to it for as long as absolutely possible.
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Post by iolar on Apr 10, 2024 16:31:11 GMT 1
"What is suspicious about a spouse sending money to her husband". It's one of the most common ways of laundering money.. put it into wifey's account and no one will question. I think all large transactions can be verified by the bank and you can be asked to provide evidence of the source of the money. it's also a question of frequency of use - the fewer large transactions made, especially with large time gaps in between, are nearly always regarded suspiciously and usually flagged up by the Bank's security/fraud system. A bit like Lurcher's problem with his seized-up CH pump, which objected to not being used for 5 months. Regular contact with your Bank and prior notice, especially when suddenly wanting to move a large amount of money, can be of the essence. A few years ago I remember arranging to move £50,000 from my Bank to Currency Fair around 4am one morning when I couldn't sleep .. I was rung by my Bank's fraud department - simply because they wanted to check it was me because of the hour. They were used to me moving large sums as we were gathering together our funds to pay for the house we had just found here but 4am was out of my usual time-frame. That was First Direct and I was quite happy that they were checking - I, too, have been with them since 1989. I find them excellent Well surprise,surprise. On Monday when we finally managed to send £15K to my wife's Wise account, this first woman put us through to someone else because I wanted to know what happened to the cheque. She then told me that someone on the fraud team called Gloria would phone me. I asked when, she couldn't say but when she was finished with her present client she would phone me - guess what I never received a call. However as she was reading out our landline no here in France she stated 00 44 0 I immediately interrrupted to tell her that you leave out the zero. she became a bit angry at my interruption. As I did not receive any call that day I can only assume that this woman in the fraud dept did include the zero. I have to say that we have found that the staff in different depts. havn't got a clue about the overall operation. a few years ago when I realised that my wife was having health problems that weren't going to go away I rang up to make enquireis about converting the account to joint one. Spoke with a very nice woman who said she would send us the paperwork to convert the account. When it arrived I immediately saw that it assumed we were living in the UK. In the phone converstaion I had made it clear we were living in France. So of course this never happened. A few months ago when my wife was till taking he awful epilepsy drugs against my wishes I thought I would have to find a way to use the French POA, so rang the legal dept. of First Direct. Where I was told that they couldn't say if a French equivalent properly translated would be acceptable until they saw the document. My reply wasa so you expect me to go through a complicated and expensive process without knowing if you will acdept it or not - yes he said. This has nothing to do with Brexit he admitted that. Then I had another conversation with First Direct where i was informed that I could create a 'third party amendment' - why wasn't that offered in the first place. Also 2 weeks ago when my wife arranged to send me at my Nationwide account £15K I asked to be put through to the savings account section which this woman did. Where I found that my wife couldn't open or reactivate the Bonus Saver account. So why didn't the first woman know that. At no time has my wife received any notification that living abroad meant she could not open any other accounts with First Direct, nor when she closed her Bonus Saver account was she warned that this meant she could not reactivate it. If she had been informed of this very important fact she would not have closed it. I'm not sure from what was said in a very broads Scots accent that Nationwide actually did receive the cheque and without informing me the client of what they were going to do. I have the 'impression' that they sent it back to FD. As i say because of the dialect I can't be certain but I have had 3 phone conversations with my old Nationwide branch in Hove who told me that they had NOT received the cheque and they would phone me if they did. All in all I find that the UK banks and building societies have treated their long standing clients with contempt, made absolutely no attempt to inform them BEFORE changes were made and in effect have had our money for free. It's been another nightmare with Wise who again without informing old clients have changed the terms and conditions demanding the impossible. My wife has a telephone account with FD how can she possibly provide paper proof of a transaction that took place on this Monday. Where the money came from - no money is sent anywhere without it being clear where the money came from. My wife has made 3 big money transfers all from FD all going to Banque Populaire. This transfer was going to be the smallest of the 3. I had wanted to open an account with Wise as well because they have Blackrock money market accounts paying very good rates of % and you can switch at a moments notice, absolutely vital when markets/currencies change in a moment. All the grief that we are getting is because the UK has been the go to place to launder drug and arms dealing money. Not least with HSBC and other banks in the UK. I thought I had got Angela's pensions sorted out 2 months ago - no such luck. All the correct papers were down loaded and sent off but nothing has happened. It will mean taking a hit from the French bank but I have to organise closing Angela's FD account and my Nationwide one and get it sent the money sent direct to a French bank. I normally handle stress very well having been in literally life and death situations all alone and come out alive but that was when I was younger and could take action immediately. All these problems are at arms length and that's the problem. Talking with Angela's niece who retired as an assistant bank manager she tells me of friends who face similar problems in the UK. I have been promised a person to person phone call from Wise - vamos a ver/lets see.
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