"Warning"..re. on-line banking

[MARTIN3030]

Sorry YB I beg to differ...You are more than a seasoned user you are part of the furniture-I am concerned that faced with weekly abuse you may be influenced and become abusive yourself...so I am taking the initiative-prevention is better than cure.

One day you might thank me for it.........but better still get the John Smiths in at the Cag meeting.

[Curr946]

for op, (didn't read everyone posts, so apologies if this has been stated before) dwp add a reference or description if you like , example DWP AB123456C JSA, this allows you to see that it was a payment from DWP for job seekers payment to you. The bank can not amend this information. DWP have been requested in the past to stop this but how else could you tell the different from your payment and your mates payment if they were both paid into the same account other than the national insurance number.

[mick094m]

Martin3030

you can close this thread if you like ,I have had enough and will be leaving the group entirely,I don't see the point incoming on here to impart information and to get abused and ridiculed by bank employees.I cannot believe someone saying that because they are NOT told to not do something, that is obviously wrong is an excuse for .........well I have had enough ,and by the way in case any of you are thinking it was me that made any reports,I would not waste my time,as I do not intend doing anymore on this forum.Pity as if I do get a closure to this NONE of the genuine interested members will know what it was.............Bye and good ridence to some

[Hoose]

once again, because no one is bowing and scraping to him, out spouts the vitriol.

 

I am sure the bank employees do not come on here to get abused and ridiculed by you, as it is you on this thread expressing the insults.

 

The DWP have admitted to you that they send your NI number as a payment reference, yet you still seem to think it is the banks fault that this is visible, and you complain that your online statement matches your printed statement. shock horror, your bank is showing an accurate record of the transactions against your account, how dare they.

 

no doubt some feel it is good riddance to you also

[yourbank]

Martin, Please do not close this thread, because the issue at hand will return on this forum, I guarantee it and in fact I promise it.

My comment was light hearted re abuse. I don't come here for the abuse but it was getting kinda absurd last night. No one is ridiculing the OP, even though it may at times appear that way. I have tried to explain in simplistic terms what has happened only with regards to the National Insurance Number. I have tried to see how the OP can draw the conclusion he does from speaking with the DWP. I am still trying to understand what this thread is about. When I first read this thread, I thought it would be a one post wonder from me, ie information and off I trot to other threads. I have spent hours trying to post various times on here, at times, in sheer frustration at trying to explain how banking works. I have done this over the last few years on bank forums and continue to do so.

 

Mick, never quit this forum, it does become addictive. Its about giving its users knowledge to empower them. I will come back to this thread or this issue even if this thread bites the dust.

Those of the longer tooth users on here and on MSE and other forums, know that I do not pull my punches if the bank is in the wrong. At it stands today, I don't know who is in the wrong. A direct payment is as the name suggests, a direct payment. I don't know why they send the NI number, I don't know what advice DWP give to HBoS with regards to what THEY should show on the statements, BUT I do know that all banks from my personal knowledge do exactly the same.

All banks systems are automated ie nothing is touched on a payment if all the details are correct. If I transfer money to Martin's account and quote the reference "drug money", he will see the narrative "drug money" in his account providing all the details he has given me are correct. I, as the sender dictate what Martin, the recipient, will see when the money is deposited and the bank have no legal right to change that narrative(can anyone correct me if I am wrong under the circumstances mentioned), or intention of the sender.

I will be back to this some time in the future.......

[bobb1234567]

ok can any one help/ online banking error login in service interupted WHY IS THIS online service cant help tryed other pcs same prob lem

[yourbank]

Mick, I told you I would I get a response on this one..

 

Dear Yourbank

 

Thank you for your e-mail to the Secretary of State concerning Identity fraud issues. I hope you will understand that Mr Purnell is unable to deal personally with the vast amounts of correspondence that are received each day. Therefore, since your letter falls under the remit of this Department, I have been asked to respond and I am sorry for the delay in replying.

All benefits and pensions administered by the Department for Work and Pensions (DWP) use the customer's National Insurance number (NINO) as a reference for payments made through the Bacs automated clearing system.

Many of the benefits administered by DWP provide customers with their only source of income and entitlements to these benefits frequently change according to peoples’ income and circumstances. This means that payments made to the banks frequently have to be recalled and re-issued to ensure the customer is paid the correct amount of benefit. Using the NINO as a payment reference provides a full audit trail of individual transactions so that returned payments can be quickly traced and customer enquiries dealt with effectively.

Tax credits which are administered by Her Majesty’s Revenue and Customs (HMRC) provide a top-up income, and whilst awards are updated as necessary to take account of changes of circumstance, payments are adjusted so that, where possible, HMRC pay the correct amount over the year. They do not have to recall and replace individual payments on the same scale as DWP.

I hope this explains why DWP presently has no alternative but to use the NINO as a payment reference. However, the Government is very much aware of customer concerns about NINOs appearing on their bank statements and whenever improvements in banking technology arise it will consider whether it can minimise the use of NINOs with the customer information it provides to the banks.

 

I hope that this is helpful.

 

Yours sincerely

I removed that date of the email and the name of the person from the Secretary of State for Work and Pensions who responded to make sure that their response remained as confidential to me as it was for the respondant. The above is their response. I hope that when you receive this via email, if you are auto subscribed, and that it helps or that you might have futher information that was not available to me. I cannot let sleeping dogs lie when a thread gets to me as much as this one and the amount of grief I got off forum when I asked someone I knew to respond to you. Thankfully, I am a doing person not an idle one and I have found over the last few months that I have more time to do things such as what I have done. My mini projects means that it should help you. I am sorry if you don't feel that this has helped. I still have more to update as and when the time arises.

Edited September 16, 2008 by yourbank
Tidied up stuff

[mick094m]

To finally put ths to bed. In reply to all the replies especially the last one by yourbank ,I have at last found the solution,this will sound rather strange as it will not refer to any of the Big Banking Groups.

The solution was for me to cancel my payments from the DWP that went into the Halifax,then open an account with the Post Office and draw it out as Cash. Would also point out that on the statements sent to me by the Post Office regarding my account there is no mention whatsover of my National Insurance Number,which don't matter much as the DWP payments are withdrawn as they go in, so there would be nothing to steal apart from my national insurance number,but the Post Office seem to have the common sense not to disclose it ,pity the BIGGER banks cannot do the same.

Please no replies to this reply as it is only for information purposes to show that there is common sense out there, and for anyone else with a similar problem what the solution would be,change accounts to the Post Office.