Natwest only lets you change the reference by editing the payee first then making the payment. This also can't be done at all on mobile, and worse - any payment you initiate from mobile gets stamped with "Call ref. 0000" as its reference only (thankfully the recipient sees the real reference code, but it's crap for your own statements)
2 years of free banking are up soon. Has anyone else noticed that Yorkshire/Clydesdale (same bank) do free business banking for switchers? Any downsides?
- Visitors can check out the Forum FAQ by clicking this link. You have to register before you can post: click the REGISTER link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. View our Forum Privacy Policy.
- Want to receive the latest contracting news and advice straight to your inbox? Sign up to the ContractorUK newsletter here. Every sign up will also be entered into a draw to WIN £100 Amazon vouchers!
Collapse
You are not logged in or you do not have permission to access this page. This could be due to one of several reasons:
- You are not logged in. If you are already registered, fill in the form below to log in, or follow the "Sign Up" link to register a new account.
- You may not have sufficient privileges to access this page. Are you trying to edit someone else's post, access administrative features or some other privileged system?
- If you are trying to post, the administrator may have disabled your account, or it may be awaiting activation.
Logging in...
Previously on "Has Cater Allen changed the way to send one-time payments with a reference?"
Collapse
-
Everyone - contact Cater Allen and COMPLAIN!!!
So here I am abroad and need to make the HMRC payment with a new reference number. I have a local SIM in my phone and am tethered through it to access the internet. So to change my reference I need to make the change on CA site, get off the internet, change SIM to my UK one, wait to get the code, switch SIMs again, get back on internet....
Right pain. And it was bad enough when I was back in the UK - especially if I had littel or no mobile signal.
There is no security reason whatsoever that means you can't change the reference per transaction. ALL the other banks I use do it.
So - COMPLAIN, COMPLAIN COMPLAIN to C-A - and they might do summat about it.
Leave a comment:
-
Originally posted by Chuck View PostI ignored this thread as I couldn't see what the fuss was about.
How wrong was I?
I went to make my quarterly PAYE payment last night and I couldn't change the reference. How crap is that?
Leave a comment:
-
Originally posted by MrWebDev View PostI emailed them this week about this as it's seriously annoying, especially when it comes to making HMRC payments as the payment reference field is used to put in your unique payment ID. This has resulted in a number of similar looking payees/payments setup on my account.
Their response basically pointed out that all their changes were made to bring them inline with European Banking Authority regulations. I must have missed the bit where the EBA mentioned that people should no longer be able to amend the reference field on a per payment basis. They also mention that they've received lots of feedback and are currently reviewing it. My guess is nothing at all will happen about this.
Leave a comment:
-
Originally posted by Chuck View PostOn the plus side, thank goodness it was CA and not the likes of HSBC, Barclays etc. I rang up to see what was going on, and after perhaps 6 rings I was speaking to a nice lady in the North East of England who explained everything to me.
The new process may be rubbish, but at least I could get through to talk to a human in a reasonable amount of time.
Leave a comment:
-
I ignored this thread as I couldn't see what the fuss was about.
How wrong was I?
I went to make my quarterly PAYE payment last night and I couldn't change the reference. How crap is that?
On the plus side, thank goodness it was CA and not the likes of HSBC, Barclays etc. I rang up to see what was going on, and after perhaps 6 rings I was speaking to a nice lady in the North East of England who explained everything to me.
The new process may be rubbish, but at least I could get through to talk to a human in a reasonable amount of time.
Leave a comment:
-
The only reason my co. is with Cater Allen is because the accountant said they are the only bank with which they'd have the ability to view my statements/transactions without me having to send them statements each month.
Is it true that there aren't other banks that allow this?
Yes I thought their internet banking was bad enough compared to the great online service my personal bank gives and this business with references has made it go from bad to worse.
Leave a comment:
-
I emailed them this week about this as it's seriously annoying, especially when it comes to making HMRC payments as the payment reference field is used to put in your unique payment ID. This has resulted in a number of similar looking payees/payments setup on my account.
Their response basically pointed out that all their changes were made to bring them inline with European Banking Authority regulations. I must have missed the bit where the EBA mentioned that people should no longer be able to amend the reference field on a per payment basis. They also mention that they've received lots of feedback and are currently reviewing it. My guess is nothing at all will happen about this.
Leave a comment:
-
Originally posted by PerfectStorm View PostCater Allen sound rubbish. Why do people recommend them? No instant transfers, no mobile app, this... is their rep based on backhanders and commission?
I've been looking at other banks, but I don't really see the point in handing over a monthly fee and I typically deplore banks anyway.
Leave a comment:
-
this is not fun
Just asked them about this. Basically, the reference field is the payee reference. And you have no access to the statement reference. This is good for HMRC and credit cards, but otherwise is a pain. Oh well.
Leave a comment:
-
Originally posted by Maslins View PostI agree with the faults you mention, but their customer service is good. Reasonably intelligent people who answer the phone promptly.
Website is a bit clunky, but it does the job.
Leave a comment:
-
Originally posted by pr1 View Posti definitely would not recommend them - i got pushed towards them from my (now ex-)accountant
they're very oldschool, thick letterheaded paper and posh looking folders but definitely behind the mainstream regarding online/mobile etc
The problem for them and some other smaller building societies/ banks is that they don't actually run their own payment system so piggy back on to one that does. This makes the payment process slower.
Leave a comment:
-
Originally posted by pr1 View Poststupidity was harsh - happy to change it to "solution"
I was pointing out that my solution avoided the need for typing Salary, Dividend and Expenses 12 times a year...
Cater Allen works fine for me, It's free and I usually set up transfers a week ahead of time anyway, and and am never in a rush to move money. It's probably a long way off being the best but it's 100% fit for purpose for me.
My only conscious decision when choosing a business bank account was that I didn't want it the same as my personal bank
Leave a comment:
- Home
- News & Features
- First Timers
- IR35 / S660 / BN66
- Employee Benefit Trusts
- Agency Workers Regulations
- MSC Legislation
- Limited Companies
- Dividends
- Umbrella Company
- VAT / Flat Rate VAT
- Job News & Guides
- Money News & Guides
- Guide to Contracts
- Successful Contracting
- Contracting Overseas
- Contractor Calculators
- MVL
- Contractor Expenses
Advertisers
Contractor Services
CUK News
- Streamline Your Retirement with iSIPP: A Solution for Contractor Pensions Sep 1 09:13
- Making the most of pension lump sums: overview for contractors Sep 1 08:36
- Umbrella company tribunal cases are opening up; are your wages subject to unlawful deductions, too? Aug 31 08:38
- Contractors, relabelling 'labour' as 'services' to appear 'fully contracted out' won't dupe IR35 inspectors Aug 31 08:30
- How often does HMRC check tax returns? Aug 30 08:27
- Work-life balance as an IT contractor: 5 top tips from a tech recruiter Aug 30 08:20
- Autumn Statement 2023 tipped to prioritise mental health, in a boost for UK workplaces Aug 29 08:33
- Final reminder for contractors to respond to the umbrella consultation (closing today) Aug 29 08:09
- Top 5 most in demand cyber security contract roles Aug 25 08:38
- Changes to the right to request flexible working are incoming, but how will contractors be affected? Aug 24 08:25
Leave a comment: