I hate prizedraws. Hate them. They are cheap way to show “loyalty” and the cost to the bank is so minimal. It’s not a guaranteed benefit so should not be advertised as a benefit in my opinion.
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I’m already with both of them two 
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I did the Nationwide Start To Save for the prize draws. Not a sniff of a prize.
Last draw is next month.
Intend to use the money in that account to part fund their regular saver, going forward.
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A friend sent me the Nat West version the other day
Worked perfectly fine in the main, except that the first code invalidated itself and errored out when I tried to step back in the process to demonstrate it to him (as it was the first time he had sent one)
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That article is wrong about one small detail.
It mentions that a large cash withdrawal limit of £1,000 per day is a key perk of Premier, compared to the “standard limit of £300”.
Actually, everyone can increase their limit from £300 to £500 in the app.
This doesn’t ring true either:
[Barclays] said that fewer customers were phoning them during the pandemic
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Do you think that Barclays didn’t say that or that they did and lied about it?
They must have said it, but I personally assume it’s based off some unusual measurement rather than simply number of calls.
Every other company reported rising calls during the pandemic, and quite significantly, as people suffered various difficulties and needed help and also switched to phone from other channels as social distancing hit in-person interaction.
My guess is it’s counting calls to premier banking managers specifically and not general queries or all calls.
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When I read it I assumed they were referring to a lack of calls to the premier customer lines, not the whole bank. That’s why they cut the service.
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Yeah, that’s what I meant.
Presumably the premier-specific line is all they were counting.
That doesn’t mean that premier customers weren’t still calling, necessarily - they may have been dialling a different line specifically for financial difficulties, say, to ask for a payment holiday.
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The premier specific phone lines could not really do anything. They gave out specific information and then could make appointments or transfer again to current accounts, wealth, mortgages, Barclaycard etc. So it is not a loss given that they were useless presalesmen.
Have you been to Barclays branches recently? The premier lounges are gone, most counters are gone, and things replaced by a welcome person with a tablet and lots of indoor ATMs with higher deposit & withdrawal limits and additional self service tasks. Only a single counter that is Jack of all trades, mostly verifying identity for people who lost their cards & access to pinsentry.
No FX desks, one has to order currency online.
If one wants telephone service one should dial First Direct.
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That’s what I had guessed, and perhaps it is no wonder that calls to those fell if they were primarily about “sales” of products, as that was the last thing most customers would have been worried about (taking on new products during a time, for many, of financial hardship).
I just found it very unusual, given what we’ve heard from other companies, so suspected Barclays of being selective in what data they were reporting.
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To be fair: it seems to make sense to me: if you want to look at whether to close the premier specific phone line, you look at how many people call he premier specific phone line.
Seems perfectly sensible to me
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Something about that doesn’t add up at all, they must be able to freeze accounts.
They also can’t safeguard “your” approved overdraft money as that is Barclays’ money, not yours.
This just sounds like a variation on the classic “safe account” scam, possibly with internal help.
It reminds me of this:
Edit: Reading it properly, the use of the word “reconcile” leads me to believe that Barclays are claiming the full available balance on the account, to offset money owing. This might happen if somebody had mistakenly (for example) credited £50,000 to the their account which was otherwise only £10 in credit. The customer may then have withdrawn all £50,010 from the account, and when Barclays come to reclaim the money they find an account with a zero balance. They would, in that instance, use the overdraft to claim the money back as it wasn’t rightfully the account holder’s. If this process has gone wrong (or even been fraudulently abused by a rogue Barclays employee) then you could see how the poster’s situation may have arisen.
I’d assume that such a thing happening would be extremely rare, however, so I am a bit sceptical about what has been posted and whether it is really the full story.
Have we learned nothing in believing random people on a forum?!
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Banks cannot move money out of your account without a police or court order, as far as I understand. The story doesn’t add up.
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You’d have to check how many days you have to pay it as some say if you pay less than 5 working days or so before the DD is taken it may not adjust,
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Each bank processes differently so you’d have to check with them at what point if you made a manual payment would it not amend your direct debit, and in most instances only reflects those who pay minimum, if you pay a fixed, it’ll generally take the higher in my experience.
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It may amend, not worth cancelling the direct debit as you may use the card and forget to pay it.
Better to pay in full by direct debit anyway naturally as it reports paid in full on your credit file.
Edit: only your creditor will know exactly what will happen, so drop them a message.
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Non UK based support, by chance
I get the gist of what they’re saying though 
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