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Think Banking...

Last post Mon, Mar 10 2014, 8:31 PM by Beowulf1976. 118 replies.
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  •  Mon, Mar 10 2014, 8:31 PM

    Re: Think Banking...

    Email me at beowulf197628 at hotmail dot com and I will tell you something that will save you an absolute fortune! (I am legit and not some freak)

    Best wishes,

    CV.
    • Post Points: 5
  •  Mon, Mar 10 2014, 11:57 AM

    Re: Think Banking...

    Hi PetraQ,

    Sorry to hear that you’re closing your thinkmoney Personal Account.

    We will need to speak with you to confirm your instructions. Please can you email me your reference to info@thinkmoney.com and I’ll arrange for a Money Manager to give you a call.

    Thank you


    Steven Hewitt
    thinkmoney
    • Post Points: 5
  •  Mon, Mar 10 2014, 9:27 AM

    Re: Think Banking...

    Hello there Ian,

    Could you please advise how to close the account and withdraw the funds left in the salaries account? Do I have to send a written notice or is it possible to close online? I have changed all my direct debits etc. The account is ready to close.

    Thanks for your advise,
    Petra
    • Post Points: 20
  •  Wed, Jan 15 2014, 4:40 PM

    Re: Think Banking...

    Hi, my name is Ian and I am one of the team at thinkmoney.

    Thank you for taking the time to feedback. I’m sorry to read that we may be losing your custom although we do appreciate that the thinkmoney account isn't for everyone.

    Let me address each of your points in turn.

    1. Although you can't check your balance at a cash machines, you can do so at any time for free via your mobile by texting "BAL" to 07786200077 (or to 81122).

    2. Our Online Account Management service is mobile optimised and can be accessed from most smartphones, giving you 24/7 access to your account balances and other functionality. We’re currently working on an app and will have more news on this before too long.

    3. I am sorry that you had problem with your card being frozen in the run up to Christmas. Our card security system does constantly monitor for any unusual activity patterns and when we detect a higher than usual level of use your card may be blocked whilst we check if it really is you making the transactions. However once we have established that it is then your card should be unblocked immediately. I am not sure why this wasn't the case for you. If you'd like to contact me via ian.williams at thinkmoney.com I will happily investigate this for you.

    Thank you,


    Ian
    • Post Points: 20
  •  Wed, Jan 15 2014, 12:33 PM

    Re: Think Banking...

    I joined Think Money in December 2013.

    So far, I'm reasonable happy with the service. However, there have been a few things that have aggravated me..

    1. Not able to check my account balance at ATM's - even if I use an RBS machine. If I then attempt to withdraw more money that I have in my account, the machine just spits out my card saying "insufficient funds". I then have to reinsert my card and 'guess' my available funds. Why can't I check my balance?

    2. No banking app - In situations like the above, if I need to establish the exact amount of my available funds, I have to call Think Money for a balance.

    3. On the weekend before Christmas, my debit card was frozen due to 'high usage'. Being the 21st December, is it not normal for high usage on a card? I immediately called Think Money and was told that my card would be active the next day. This simply wasn't good enough. As I was verified, my card shoyuld have been reactivated immediately! - I guess this is one of the downfalls of someone else owning your account.

    To summarise, the service is ok and serves a purpose,however, having expressed my points above, I now know for sure that the account is not my own, and will be opening an alternative account. I'll just have to learn to manage my own money.

    • Post Points: 20
  •  Wed, Dec 18 2013, 2:44 PM

    Re: Think Banking...

    Dear romanesque,

    Thank you for your post.

    As you know we are currently investigating these issues for you and I know that one of our managers has scheduled a call with you this evening.

    I hope that we can achieve a satisfactory resolution for you.

    Thank you

    Steven Hewitt
    A member of the team at thinkmoney
    • Post Points: 20
  •  Wed, Dec 18 2013, 2:00 PM

    Re: Think Banking...

    Oh and i forgot to say...that most months my mobile phone bills has over £5 worth of calls to them.....this months has been over £17 which they wont refund back.....
    • Post Points: 35
  •  Wed, Dec 18 2013, 1:58 PM

    Re: Think Banking...

    Ive never had an issue with them until this year and ive held my account for quite a few years now. But this year they have managed to lose £400 which now has no trace, strange things happen on my statement and this debacle at the beginning of the month, they will not compensate for. I have complained and complained and i am hoping the email i have just sent may shed some light on the whole mess.
    I have had money taken off my card without my authorization and have had to issue a fraud claim against madbid.com. tm will not refund the money despite assurances etc because i authorized a payment to them 10 minutes prior.

    Cheques take over 8 days to clear.

    My wages are paid by faster transfer, but its random times when it gets into my account including on sundays when paid in on a friday??

    My statement looks awful where TM have taken money then refunded it, then taken it, the refunded it???WTF i dont understand.

    It cost 5 to replace a lost card
    My gold account was downgraded with no notification or explanation.

    They always take there fee though regardless.
    I am pretty well annoyed and disgusted at the treatment i have received and have been made to feel awful by the 'account managers'
    • Post Points: 5
  •  Fri, Nov 29 2013, 10:08 AM

    Re: Think Banking...

    Hi,

    Think money is the worst bank ever. I am in process of going through financial ombudsman. They did same to me and they are all liars sitting behind the phone. They blocked my service for nearly two months and said there is a error in IT. I knew they were lying. They blocked my money loads of time and yet still they charge their fees £14.50 and the internet and telephone banking is blocked but these thieves wants the money only. they dont care about there customers. Today I received a letter that they are closing my account. hahaha. I cant wait to sue them. Hope they get sued and there bank gets shut down. annoyed with this bank. Advice for you all DONT OPEN A ACCOUNT WITH THEM OR YOU WILL REGRET IT.
    • Post Points: 20
  •  Sat, Nov 02 2013, 8:44 AM

    Re: Think Banking...

    Hi Marc,

    No I am not part of their other organisation. I got the account as I thought it was a good idea, that and the fact it was all done remotely .

    I am going through their complaints procedure but they have 8 weeks to respond which doesn't help me at this time.

    I would like to hear of anyone who has had a similar situation and had it resolved ?
    • Post Points: 20
  •  Fri, Nov 01 2013, 4:14 PM

    Re: Think Banking...

    I am sorry to hear this and cannot understand why they wont let you have access to your own money? Are you part of their other organisation that specialises in debt resolution?

    If you are getting nowhere, follow their complaints procedure and then go to the Financial Ombudsman.

    I think this is more of a jam jar account - i dont like it (for me) personally as it really does restrict you.

    It may be worth you looking elsewhere such as Secure Trust or ClearCash, who have good reputations.

    I hope you get sorted.

    Marc
    • Post Points: 20
  •  Thu, Oct 31 2013, 5:36 AM

    Re: Think Banking...

    Well I am seriously worried. I had a large transfer go into my account from my daughter for a sale of a car.The money went into the account but they won't transfer it for me to use. I answered all their nosey questions as to where the money came from where it's going etc but still they won't move it or even acknowledge that it is in my salaries account for use.

    They have also now blocked Internet banking and text servicing so I have no way of finding out what is going on in my account.

    The money managers won't tell me why the money has been blocked even when I told them they had to give me a reason by law. All I keep getting is that we will call you when we know something.

    So I have a large amount of money that I don't know where it is and also no way of knowing how much money I have in my account or even if someone is draining what money there is in there out. Unless of course I ring them which is 20-25 minutes on the phone each time.

    When I have asked for a balance they are not including this large sum.

    All I keep getting is when we know something we will call you. I am really at my wits end now and extremely worried.

    I sold the car to help with some bills and downsize to a smaller more economical version but at the moment I don't have a car and now I am gong to get behind on bills.

    Please please someone can you advise . As you can see by the time of my post it's also affecting my sleep

    • Post Points: 20
  •  Fri, Oct 04 2013, 9:50 AM

    Re: Think Banking...

    Hi there,
    I have had a similar problem with them losing my money,it's Been 3 days and they have lost £73 into account and although at one point it was cleared they still can not find it/have any explanation or know what has happened which I find rather crazy as I'm sure the system hasn't done it by it self-did u ever get it resolved and if so what happened ??
    • Post Points: 20
  •  Tue, Jun 04 2013, 3:10 PM

    Re: Think Banking...

    As an individual that uses a similar account I do know people who use Thinkmoney and speak very highly of it. Not all will agree or be satisfied but 90% satisfaction isnt bad at all!
    • Post Points: 5
  •  Thu, Dec 06 2012, 11:38 AM

    Re: Think Banking...

    Dear Jamie,

    I am sorry that you haven’t been happy with your thinkmoney account.

    In fact over 90% of thinkmoney Personal Account customers tell us they are delighted with their account and the service they receive from us. We now have over 2,700 customer reviews that you can read here: http://www.feefo.com/reviews/Think-Banking_Current-Account/?internal=false&id=175160

    Thank you

    Steven Hewitt
    A member of the team at thinkmoney
    • Post Points: 20
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