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All I want is my statements to end on the 2nd of each month.
Instead I get two pages sent days apart.
It seems that when I have generated 25 transactions the statement is sent leaving the remaining days to the 2nd of the month to come later.
This make it harder for me to manage my account, less able to compare like with like.
I want to know how much has gone in and come out for the said period, not part of the said period.
I spent years deciding to leave Lloyds bank, purely for ethical reasons.
However, I had the statements I wanted with them...in Lloyds case up to the 15th of each month.
Why can Lloyds do it and not the Co-op.
I am told it is their system...so why cant they change their system?
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Got to agree with Ims, if you don't have internet banking, then I would recommend getting it.
No more paper statements if you don't want them and all your info at your fingertips when you want it.
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Online banking only shows you an online version of what you'd have been sent in the post.
The statement frequency is as follows:
Every 25 transactions
(if you have charges or interest) the 5th of each month.
A date you specified.
As a result, you could get one statement on the 1st because it's hit the 25 item cap. One more on the 2nd because you asked for it. One more on the 5th if you're utilising an overdraft facility, or went over limit between the 6th of the previous month and the 5th of this month.
Online banking will copy the same timescales, but there's no longer wasted paper.
What I like to see is how much money over a given period has gone in and out....that given period being to the 2nd of each month. Can online banking do that for me? I don't want to get a calculator out. I know Lloyds (who I finally left for the Co-op) is not the most ethical bank in the world, but their customer service does seem better.
a sort of fire-fighting role here. Hate HFC & their compulsory PPI ethos
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Re: statements
Originally Posted by ForumFodder
Online banking only shows you an online version of what you'd have been sent in the post.
The statement frequency is as follows:
Every 25 transactions
(if you have charges or interest) the 5th of each month.
A date you specified.
As a result, you could get one statement on the 1st because it's hit the 25 item cap. One more on the 2nd because you asked for it. One more on the 5th if you're utilising an overdraft facility, or went over limit between the 6th of the previous month and the 5th of this month.
Online banking will copy the same timescales, but there's no longer wasted paper.
huh.......online banking shows you realtime spending
esp the co-op....
call 08457 212212 and ask for it to be set-up for you
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
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The online banking is as "real time" as you can get without confusing people. The reason why anyone has an issue with the online banking - and i'm being as nice as I can here - is because they don't keep track of their own spending.
The ONLY way you can lose out with co-op online banking is by spending money on your card and not keeping note of it. The money won't show online until the day the retailer comes to collect it, which is around 2 or 3 days after the transaction was made. Also weekends and bank holidays are a bad time for many people who tend to forget about direct debits due out on the Monday, and therefore spend the money that should be in for the bill. What happens then, is the bank bounces the bill but it still shows on the screen, making you think you've still got £50 in your account and the £55 direct debit was actually paid.
The co-op cannot include outstanding authorisations because of the above reasons, and also because many retailers don't check the account balance before authorising a card payment. It's called a floor limit, and if you spend below it, neither your bank, online banking, nobody can tell you what's due out on your card over the coming days.
Cash, funds transfers, standing orders and direct debits are displayed to you in real time, but only if the money is in the account for the latter two.
The online banking cannot calculate spending from the 3rd of one month to the 2nd of the next. I'm afraid it's going to be a lot of copy & paste or calculating for you.
I only ask if online banking can do this for me as people have suggested it can...all I really want is for my paper statement to be as requested, something Lloyds were able to do.
7. Thinking of a Full & Final Settlement?Read Here
my views are my own...seek legal advice if ness
NEVER EVER - act on a private message asking you to visit another website, make contact 'off list' or by telephone
- alert the siteteam IMMEDIATELY by hitting the black warning triangle on any message - Particularly if this results in a request to pay a fee to help you.
Please consider making a small donation to help keep this site running
statements
bank, purely for ethical reasons.
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ALWAYS REMEMBER, IF YOU GOT YOURSELF INTO YOUR SITUATION, YOU ARE MORE THAN CAPABLE OF GETTING YOURSELF OUT OF IT 
Originally Posted by ForumFodder
