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Nationwide Internet Access Saver (IAS)
 

Hello all,

Yesterday morning, I tried adding 2 new Nationwide IAS to to PP accounts.

The first PP account, I added the Nationwide IAS the old way, i.e. the old screen, old page. It added OK. I then clicked to continue to submit DD. It seemed OK. I then clicked to main view, then went back to the bank account page, wanting to verify code. The bank account had disappeared. I tried to re-add the Nationwide IAS, but it gave some need review error.

The second PP account, I added the nationwide IAS from the 'Wallet' link i.e. the new way. It seemed to add OK. I then clicked to go back to main page, then clicked on 'Wallet'. Again, the bank account disappeared. Tried to re-add this second IAS, but gave some error.

I checked Nationwide Online Banking. Both IAS savers showed the 1p, but there was no code. There is still no code today.

I think that Nationwide is no longer allowing mismatched names, or they are blocking PP codes on their IAS savers.

I would also like to add that Halifax are holding back funds due to mismatched names. It is the Halifax Everyday Saver.

To GB and admin/mods, please consider placing Nationwide on the same "bad bank" list as LLOY. Might also want to consider putting Halifax on "watch".

Barclays are still OK with regards to mismatched names. Saying that, I have a good relationship with BARC.

Hope this helps.

Re: Nationwide Internet Access Saver (IAS)
 

Nationwide is not a 'bad bank'...unless something drastic has happened since my last cash out earlier this morning.

Re: Nationwide Internet Access Saver (IAS)
 

Have you rang the bank and asked them for the code? Could be quite a simple explanation before adding 'bad banks'

Re: Nationwide Internet Access Saver (IAS)
 

Nationwide is not a 'bad bank'...unless something drastic has happened since my last cash out earlier this morning.

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Depends.

My Nationwide current account works OK. But both IAS savers didn't work.

Applied for another saver. If this IAS fails as well, then I would say that it's confirmed that Nationwide savers don't work.

There is a workaround, i.e. to add the Nationwide saver the old way and not submit DD. This prevents the 1p from being sent. But then, the PP account will remain unverified and the limits are lower. Can still make withdrawals from PP account with unverified Nationwide saver.

Given the hassle, I would consider Nationwide a bad bank. Mark my words. It is only a matter of time.

Re: Nationwide Internet Access Saver (IAS)
 

There is no point in calling up!

Repeating myself.....

I successfully added the Nationwide saver (07-10-40 sort-code). I then clicked "submit DD". This was also OK. You do this to get the code. I then clicked to return to main page. Clicked here and there. I then returned to the bank accounts page. It had disappeared - there was no bank account attached. I tried to re-add the same IAS saver, but it gave an error.

This means:

1.
PP had no issue with the bank account, since it was added OK. Compare this with a Ffrees bank account which uses a Natwest sort-code. PP doesn't even allow you to add a Ffrees bank account, i.e. PP rejects said Natwest sort-code.

2.
I submitted DD successfully when I clicked on the button. This is confirmed by 1p showing up on online banking.

3.
The IAS saver then disappeared. This can only mean..... upon getting the 1p with code, Nationwide returned a message to PP, which made it remove the IAS saver.

With Nationwide savers, the code does not show immediately. Say it's 1pm on Tuesday. You added a Nationwide IAS and submitted for code. When you check online banking, you will see 1p there, but no code. The code will be shown the next morning. You can see it on online banking early on Wed morning.

Re: Nationwide Internet Access Saver (IAS)
 

Looks like this issue was already reported. See link below, post #8 and #12.

http://www.aspkin.com/forums/uk-payp...e-savings.html

Re: Nationwide Internet Access Saver (IAS)
 

Yep....that was me. What a nightmare it turned into. I did get code in the end but was told it was at bank staffs discretion. Its open 24 hours and i remember the person giving me the code said that call staff are more prepared to help you out of hours....so a midnight call might have done the trick :-)

Re: Nationwide Internet Access Saver (IAS)
 

Happy New Year, halo.

It's not just the code. Nationwide savers don't seem to allow mismatched names (I tried a fee additional savers on new PPs to understand the issue).

Let's say your name is Donald Duck. If you have a PP account with the name Don Duck, then this is OK, as in Nationwide won't have an issue and won't prompt PP, which would mean the saver automatically removed..

Let's say name is Minnie Mouse. If you have a PP account with the name Minie Mouse, this would be a problem. You can add the saver and click "submit DD2. It might even show OK. But leave it for a minute, go back to the bank accounts page, the saver would have been removed.

Re: Nationwide Internet Access Saver (IAS)
 

Happy New Year Mack the Knife

Ive been withdrawing to mine ok, using a name variation with no probs. I know im skating on thin ice with this account. I sell low cost on this account for that reason
I just got the gist that the whole paypal thing was a problem for nationwide when using their savers account. They want you to use your normal accoubt for that.
I have a nationwide normal account set up to a stealth with a completely different name. Theres every chance they could be onto that in the future if they start checking. But that could be said for all banks i guess :-)

Re: Nationwide Internet Access Saver (IAS)
 

Try this. Get 2 new IAS savers. Make 2 new PP accounts. Add the new saver to a new PP with mismatched name. Add the other new saver to 2nd PP. Here, if your name is Phillip Jones, vary it to Phil Jones. See what happens with both.

Nationwide IAS savers (07-10-40 sort code, I have older e-Savers with the 07-00-40 sort code that are still working OK) are basically gone. Yes, you can withdraw to them. This is easy. Add the bank account, but don't verify it. Can still withdraw, if you know how to do things


What we need is a new list of banks that accept mismatched names without scrutiny. A lot of people say that Halifax is great. But what ppl don't know is..... if Halifax catches on to the mismatched names, they will close all your accounts and you will have a very hard time trying to get your money.

Re: Nationwide Internet Access Saver (IAS)
 

Yeah, i know what your saying. A list would be good but the problem.is that what works for one might not work for another. Trial and error.
Yes people have reported problems with halifax. I havevone current and one savers with them and have had no problems
I guess no bank is safe as they could enforce checks at any time :-)

Re: Nationwide Internet Access Saver (IAS)
 

You can still withdraw to the saver account even if it refuses the direct debit mandate...

Re: Nationwide Internet Access Saver (IAS)
 

Good for you. They have not caught on to you. But it won't last - at some point, they (as in Halifax) will check. Do note that Halifax is part of LLOY. I've been a Halifax customer for donkey years. All my savers were closed. They even closed my share-dealing account. My current was maintained as my day job salary goes there and I have a Halifax mortgage.

This is the point I am trying to make. I don't see the point trying something if it ends up in failure. It just makes banks more 'accustomed' to our stealth techniques.

With regards to Nationwide, I lost 8 IAS savers, but have now found a way that works well. This is what "trial and error" is supposed to give - a workaround.

Re: Nationwide Internet Access Saver (IAS)
 

I know what your saying.
The problems i guess is that eventually the banks may get used to these mismatch name occurences and crack down more. Who knows.
I guess we just have to stick with what is working for us individually and deal with any barriers that occur in the future.
Many members say they use lloyds and tsb with no problems...though those banks are deemed best avoided.
I will continue with what i have as its currently working and will adapt as and when i need to. Theres nothing else i can really do other than to see what the future brings.
:-)

Re: Nationwide Internet Access Saver (IAS)
 

I think we need stickys making for 'confirmed uk CURRENT ACCOUNTS only that accept mismatched'

There's too many threads with 'bank name' getting slated, yet it's moslty 'saver accounts' that are discussed

From my reading on here, ANY/ALL online savers will Refuse DD mandate. It's common knowledge

We need a sticky list for confirmed current accounts only that can be edited if users start reporting that I bank that was known for accepting mismatched names has refused for someone else

It may save users time and stress from opening a brand new current account because they searched here, read a few posts saying 'good' but after adding it to their new stealth paypal, they get the DD refused paypal email.


If you have a new current account, and the bank refuses, you WILL likely have that paypal limited very soon after.

I know cause it's just happened to me.




... also it sorta makes sense to me that if you open a new 'current account' with a new bank, then straight away paypal asks them for DD permission in a completely different name, this is gonna make any right thinking person think 'potential fraud' so they obv refuse DD

Re: Nationwide Internet Access Saver (IAS)
 

I do think that current accounts get mentioned.
Lloyds and TSB particularly.
The problem is that many are claiming to use those banks with no.problems while others have had issues.
I know Callidus mentioned probs with Halifax to which i use current and savers with them with no issues as yet.
Its not great but we can only do what works for us individually. And if it ever fails, then we just get on again.
I think your idea about listing whats good and whats not is a great idea, i really do.
BUT the problem you will see yourself is that people will say they have had issues with Lloyds and others will come in and say they use Lloyds with no.problems.
I think by the end of that thread, noone will be any further forward lol

Re: Nationwide Internet Access Saver (IAS)
 

cant see them changing the automated system really

it will cause the banks a bigger head ache than anything else.

Re: Nationwide Internet Access Saver (IAS)
 

The problem I see is.....

People don't really know what they are talking about. Verifying a bank account is one thing. Direct Debit is another.

Re: Nationwide Internet Access Saver (IAS)
 

There are many banks that are overall seen as good for stealth.
Savers do have their issues but ive not come into any probs as yet.
They will fail the direct debit mandate but can still be withdrawn to.

You must keep up to date with ebay fees. I like to make one off payments.and if im caught short, ive used my VCC.
But if you didnt have funds in paypal to cover fees and nor did your VCC, then it cant take from your savers...hence cause you BIG problems :-)

Re: Nationwide Internet Access Saver (IAS)
 

Why not try for a basic bank account, they are the easiest to get, have visa debit cards, online access, I set one up recently online as well no need to go into branch, don't have hassles with mismatched names if you check first on here that it is a bank that is known to not have that particular problem

Re: Nationwide Internet Access Saver (IAS)
 

Thank you for illustrating what I stated. You simply don't know what you are talking about.

Again, verifying a bank account and Direct Debits are not the same thing.

Re: Nationwide Internet Access Saver (IAS)
 

Very very rude person you are.
I help out on this forum as best as i can and i certainly would not be so rude to any member on this forum.
I will no longer reply to any of your threads

Re: Nationwide Internet Access Saver (IAS)
 

Firstly, you fail to understand the issue at hand. Secondly, you can get card, online access, etc. with a savings account. Thirdly, basic accounts are no better as a number of banks do take issue with name mismatch. See a few posts above.

The likes of GreenBean (and others) have made it clear that using Direct Debit to fund is a BAD idea. ooooo.halo, please note!

Finally, I get back to my point. When it comes to verifying a bank account, a proper current account is the same as a basic account is the same as a saver. There is nothing different.

The difference is Direct Debit. But as clearly advised by GB and others, why are you trying to do anything with Direct Debits? All that's needed is to verify the bank account!!!

Re: Nationwide Internet Access Saver (IAS)
 

Where has oooo.halo stated using a DD to fund a paypal is a good idea? I sure don't see it. :nerd:

Re: Nationwide Internet Access Saver (IAS)
 

Thank you realdeals

Re: Nationwide Internet Access Saver (IAS)
 

See Post #19. Why the need to even talk about or consider taking money from savers (which can only happen if tried to effect Direct Debit)? It really is nonsense! Why the need for Direct Debit?

Re: Nationwide Internet Access Saver (IAS)
 

How is this rude? I was merely pointing out the fact that you simply don't know what you are talking about. To paraphrase GB, muddying the waters.

Can you first try to understand this point? Verifying a bank account and Direct Debit are not the same thing. Totally different things.

I know what I am talking about. The only way you can know more is... if you are an old PP employee working specifically on bank accounts / cards / payment methods.

Re: Nationwide Internet Access Saver (IAS)
 

Looking at post 19 now...where does it say i think its a good idea.

Me thinks its YOU that doesnt know what your talking about.

GB....i have nothing more to say to this user....so from here, i will refrain from answering anymore. I have felt the need to defend myself but i will no longer participate in what is little more than plain rudeness by this user to which i wont tolerate.
Every person has an opinion and ive done my utmost to help others but if i didnt agree with someone, i.wpuldnt be rude to them and certainly wouldnt accuse them of something they havent done

Re: Nationwide Internet Access Saver (IAS)
 

:nono:If you actually read and understand what ooooo.halo is saying, then you would know she is stating the opposite. That is, to pay fees' via paypal balance or vcc, or your account will be doomed.

Re: Nationwide Internet Access Saver (IAS)
 

Also, if anything Mack the knife, you are the most guilty in this thread of 'muddying the waters' and 'not knowing what you are talking about'.

To make such a generalisation in your original post that Nationwide should go on the bad banks list and Halifax on a watch list because YOU can not get savers to work, is ridiculous.

Re: Nationwide Internet Access Saver (IAS)
 

I AGREE

I mean some people should take a good hard look at themselves instead of trying to belittle other by thinking they know everything.

Re: Nationwide Internet Access Saver (IAS)
 

Who is your post referring to?

I really hope that noone on this forum thinks i belittle them and it makes me sad if any of you think that.
What sprouts from my mouth is what ive learnt on this forum and i digest all i can and pass that on to others.
I came to this forum with no accounts and thought that was.the.end.
I now have 8 live accounts and i dont thank myself for it, i thank the long term members of this forum who have taught me everything i need to know. Hell, im still learning.
But in return, i try and help others who are stuck on something and i will pass down what i know to them and in return, they will pass to others.
Thats my take on this forum :-)

Re: Nationwide Internet Access Saver (IAS)
 

My post was aimed at MAC THE KNIFE and anyone else who fits that description.


I mean, for him to tell you "You don't know what your talking about" Then state "I know what i'm talking about" really shows that MAC THE KNIFE has no clue either, if he did this very post wouldn't exist.

Its a simple mistake that caused this problem and is easy to put right if you do indeed know what you are doing.

And, Yes you are still learning, that's one part of this game that should never stop while your playing it but its also something people seem to forget.

Re: Nationwide Internet Access Saver (IAS)
 

Thank you. I appreciate what you have said.
I wasnt accusing you of directing at me personally which is why i asked first :-)

I learn something new everyday on this forum. Like today i saw a post from you about upside down passwords. Never knew such a thibg existed.

And this is what i mean when i say i learn the basics and the what to dos and what not to dos and i pass on to others for them to do too.

I know that i will have many questions myself when i reach issues with my account that ive not yet experienced yet. Its a.new process for me upon which il forever be learning
:-)

Re: Nationwide Internet Access Saver (IAS)
 

The idea of this forum is offer proper solutions or others. Solutions that bloody work!

This is why so many people PM me and ask for solutions THAT WORK!

Of course I know what I am talking about! I have made the reason for that clear!

You still cannot even understand the difference between DD and verifying bank account. PayPal reads these forums. They have caught on.

Re: Nationwide Internet Access Saver (IAS)
 

Whoop whoop...im jumping around in amazement.
So many pm you?
Taken nearly a month from your last post...you must be inundated with pms.

Yes...i do understand the difference between DD and verifying banks. If i didnt, i wouldnt have 8 live accounts operating very well

Re: Nationwide Internet Access Saver (IAS)
 

This whole debarcle started because YOU think nationwide should be on the bad banks list.

Well ive cashed out with them today on both current accoubt and savers so please note that you shouldnt scaremonger people away because YOU have had problems.

I agree that the savers can cause issues but can be worked around as i have mentioned before from my own experience.
Anyway, il surrender now coz like you say....you know the answers :surrender:

Re: Nationwide Internet Access Saver (IAS)
 

First of all MATE you cannot come onto this forum, throw your weight around along with throwing your toys out the cupboard and then say 'oh forum please help me'
You are the kind of person i would find eating a happy meal at mcdonalds..

Yes you do get cards with some savings accounts, but if you take the time to even look at them you will see they have NO CVV2 number on the back which makes them pretty useless.. (i bet you going to tell me i dont know what that is?)

Secondly i have been making paypal accounts using Halifax, Natwest, RBS (and others) for months and months and even years on some of them, closing and opening accounts online FINE. so for them to shut you down you must have gone balls out crazy on them or opened/closed more than 2 every few days.

Yes verifying a paypal account and accepting the direct debit are TWO different things, but paypal does glitch when adding a bank account from time to time and when it does you will NEVER be able to add that account again.
You either have to call paypal to get them to manually add it for you or try a new bank account.

If you even read what ooooo.halo was saying to you then you would get off your high horse and appologise.
She was basically stating that you should keep enough funds in paypal (or pay in advance by vcc )so they dont dip into your BANK accounts.. since you cannot get the direct debit working. (not that you should do this anyway even if they were)

Honestly i would LOVE to know all these mass amounts of people PM'ing you since i am sure no one here would want to speak to someone with an IQ of -2..

Lastly if you dont want peoples opinions and advice... don't ask the forum to begin with..




Geez but some people need anger management :smash:

Re: Nationwide Internet Access Saver (IAS)
 

I think Bunneh rounds this thread off nicely by posting some good solid facts that come from years of experience.

Just to add my Nationwide works fine as has done for years.

Thread locked.