Just noticed that my council tax payment has been taken from my bank
account (it appears on my statement and is taken by DD),  the
transation is dated 15/9/2008 - but today is only the 13/9/2008 ( A
Sat). ie It has been taken fom my account "in advance" so to speak. Is
this usual - I never noticed it before?

"dave"  wrote in message 
news:k2qnc4p81rv12esb6cr90tcgqt3u2lu8cg@4ax.com...
> Just noticed that my council tax payment has been taken from my bank
> account (it appears on my statement and is taken by DD),  the
> transation is dated 15/9/2008 - but today is only the 13/9/2008 ( A
> Sat). ie It has been taken fom my account "in advance" so to speak. Is
> this usual - I never noticed it before?

Regular transactions coming off first thing on Monday morning usually show 
up on my mini-statement from Friday evening.

Neb

> "dave" wrote
>> Just noticed that my council tax payment has been taken from
>> my bank account (it appears on my statement and is taken by
>> DD),  the transation is dated 15/9/2008 - but today is only the
>> 13/9/2008 ( A Sat). ie It has been taken fom my account "in
>> advance" so to speak. Is this usual - I never noticed it before?
>
"Nebulous" wrote
> Regular transactions coming off first thing on Monday morning
> usually show up on my mini-statement from Friday evening.

What bank is that?

"Tim"  wrote in message 
news:zqGdnW6-hLGskVHVnZ2dnUVZ8jSdnZ2d@bt.com...
>> "dave" wrote
>>> Just noticed that my council tax payment has been taken from
>>> my bank account (it appears on my statement and is taken by
>>> DD),  the transation is dated 15/9/2008 - but today is only the
>>> 13/9/2008 ( A Sat). ie It has been taken fom my account "in
>>> advance" so to speak. Is this usual - I never noticed it before?
>>
> "Nebulous" wrote
>> Regular transactions coming off first thing on Monday morning
>> usually show up on my mini-statement from Friday evening.
>
> What bank is that?
>

Clydesdale Bank. I don't have online banking, but their ATM's give a printed 
mini statement with the last ten transactions. Over the weekend they show 
direct debits coming off on Monday morning.

Neb

"Nebulous"  wrote in message 
news:gah95e$2i04$1@energise.enta.net...
>
> "Tim"  wrote in message 
> news:zqGdnW6-hLGskVHVnZ2dnUVZ8jSdnZ2d@bt.com...
>>> "dave" wrote
>>>> Just noticed that my council tax payment has been taken from
>>>> my bank account (it appears on my statement and is taken by
>>>> DD),  the transation is dated 15/9/2008 - but today is only the
>>>> 13/9/2008 ( A Sat). ie It has been taken fom my account "in
>>>> advance" so to speak. Is this usual - I never noticed it before?
>>>
>> "Nebulous" wrote
>>> Regular transactions coming off first thing on Monday morning
>>> usually show up on my mini-statement from Friday evening.
>>
>> What bank is that?
>>
>
> Clydesdale Bank. I don't have online banking, but their ATM's give a 
> printed mini statement with the last ten transactions. Over the weekend 
> they show direct debits coming off on Monday morning.
>
> Neb
They would also show any automated BACS credit due in on Monday.

"Eric Jones"  wrote in message 
news:lK6dnVjPPckX2FHVnZ2dnUVZ8h-dnZ2d@bt.com...
>
> "Nebulous"  wrote in message 
> news:gah95e$2i04$1@energise.enta.net...
>>
>> "Tim"  wrote in message 
>> news:zqGdnW6-hLGskVHVnZ2dnUVZ8jSdnZ2d@bt.com...
>>>> "dave" wrote
>>>>> Just noticed that my council tax payment has been taken from
>>>>> my bank account (it appears on my statement and is taken by
>>>>> DD),  the transation is dated 15/9/2008 - but today is only the
>>>>> 13/9/2008 ( A Sat). ie It has been taken fom my account "in
>>>>> advance" so to speak. Is this usual - I never noticed it before?
>>>>
>>> "Nebulous" wrote
>>>> Regular transactions coming off first thing on Monday morning
>>>> usually show up on my mini-statement from Friday evening.
>>>
>>> What bank is that?
>>>
>>
>> Clydesdale Bank. I don't have online banking, but their ATM's give a 
>> printed mini statement with the last ten transactions. Over the weekend 
>> they show direct debits coming off on Monday morning.
>>
>> Neb
> They would also show any automated BACS credit due in on Monday.

You know I thought about that but the only incoming payment I ever receive 
is my salary and I can't recall it landing on a Monday. We get 12 months 
worth of pay dates at a time and I'll check them all for this year when I go 
back to work to see if any of them are/were Mondays.

The direct debits showing for Monday are not a huge issue. I suppose they 
would limit the amount of cash I could draw from the ATM, but if they make 
you overdrawn you get until close of play on Monday to rectify the situation 
with no penalty.

If my pay shows on a Friday night for Monday morning I have a feeling I 
might be able to draw it out over the weekend - which could be a slight 
advantage.

Neb

dave wrote:
> Just noticed that my council tax payment has been taken from my bank 
> account (it appears on my statement and is taken by DD),  the transation 
> is dated 15/9/2008 - but today is only the 13/9/2008 ( A Sat). ie It has 
> been taken fom my account "in advance" so to speak. Is this usual - I 
> never noticed it before?

I believe this is now routine in all Natwest accounts. If it is a weekend,
and there are payments to be made or received from or into an account on the
next working day, they seem to appear "provisionally" in my account.

I think it's only at weekends though. If today is a working day, and so is
tomorrow, then everything acts as it has always done.

Reece

Reece Bythell wrote:

> dave wrote:
>> Just noticed that my council tax payment has been taken from my bank
>> account (it appears on my statement and is taken by DD),  the transation
>> is dated 15/9/2008 - but today is only the 13/9/2008 ( A Sat). ie It has
>> been taken fom my account "in advance" so to speak. Is this usual - I
>> never noticed it before?
> 
> I believe this is now routine in all Natwest accounts. If it is a weekend,
> and there are payments to be made or received from or into an account on
> the next working day, they seem to appear "provisionally" in my account.
> 
> I think it's only at weekends though. If today is a working day, and so is
> tomorrow, then everything acts as it has always done.

There's nothing sinister about this.  It is, AIUI, standard banking
practice for debits to be processed at the end of the working day,
after the day's credits.  However, when you get an ATM mini-statement
or check your account online, all those transactions which the bank
already knows about which are due to be processed that evening, will
already be shown "provisionally".

For most purposes weekends and bank holidays count as part of the next
banking day, so it's not surprising that where Monday is a holiday, for
example, that any transactions due to be processed on Tuesday evening
are already visible on the Saturday.

RBS does it this way.

Bitstring <J2ozk.57866$E41.19791@text.news.virginmedia.com>, from the 
wonderful person Ronald Raygun <no.spam@localhost.localdomain> said
>Reece Bythell wrote:
>
>> dave wrote:
>>> Just noticed that my council tax payment has been taken from my bank
>>> account (it appears on my statement and is taken by DD),  the transation
>>> is dated 15/9/2008 - but today is only the 13/9/2008 ( A Sat). ie It has
>>> been taken fom my account "in advance" so to speak. Is this usual - I
>>> never noticed it before?
>>
>> I believe this is now routine in all Natwest accounts. If it is a weekend,
>> and there are payments to be made or received from or into an account on
>> the next working day, they seem to appear "provisionally" in my account.
>>
>> I think it's only at weekends though. If today is a working day, and so is
>> tomorrow, then everything acts as it has always done.
>
>There's nothing sinister about this.  It is, AIUI, standard banking
>practice for debits to be processed at the end of the working day,
>after the day's credits.  However, when you get an ATM mini-statement
>or check your account online, all those transactions which the bank
>already knows about which are due to be processed that evening, will
>already be shown "provisionally".
>
>For most purposes weekends and bank holidays count as part of the next
>banking day, so it's not surprising that where Monday is a holiday, for
>example, that any transactions due to be processed on Tuesday evening
>are already visible on the Saturday.
>
>RBS does it this way.

So does SMILE. The date just changes each day until 'next banking day' 
actually happens, then that becomes the final transaction date. I guess 
the systems can't cope with the concept of a debit/credit which has 
actually happened, but has a future date.

-- 
GSV   Three Minds in a Can
12,541 Km walked. 2,442 Km PROWs surveyed. 44.0% complete.

>> dave wrote:
>>> Just noticed that my council tax payment has been taken from
>>> my bank account (it appears on my statement and is taken by
>>> DD),  the transation is dated 15/9/2008 - but today is only the
>>> 13/9/2008 ( A Sat). ie It has been taken fom my account "in
>>> advance" so to speak. Is this usual - I never noticed it before?
>>
> Reece Bythell wrote:
>> I believe this is now routine in all Natwest accounts. If it is a 
>> weekend,
>> and there are payments to be made or received from or into an account on
>> the next working day, they seem to appear "provisionally" in my account.
>>
>> I think it's only at weekends though. If today is a working day,
>> and so is tomorrow, then everything acts as it has always done.
>
"Ronald Raygun" wrote
> There's nothing sinister about this.  It is, AIUI, standard banking
> practice for debits to be processed at the end of the working
> day, after the day's credits.  However, when you get an ATM
> mini-statement or check your account online, all those transactions
> which the bank already knows about which are due to be
> processed that evening, will already be shown "provisionally".
>
> For most purposes weekends and bank holidays count as part
> of the next banking day, so it's not surprising that where Monday
> is a holiday, for example, that any transactions due to be processed
> on Tuesday evening are already visible on the Saturday.

I guess you could expect that when transactions first appear at midnight.
But Neb said that Clydesdale show his Monday transactions
on Friday evening;  in that case, wouldn't you expect to also
see (say) Wednesday's transactions on Tuesday evening?

Tim wrote:

> "Ronald Raygun" wrote
>>
>> For most purposes weekends and bank holidays count as part
>> of the next banking day, so it's not surprising that where Monday
>> is a holiday, for example, that any transactions due to be processed
>> on Tuesday evening are already visible on the Saturday.
> 
> I guess you could expect that when transactions first appear at midnight.
> But Neb said that Clydesdale show his Monday transactions
> on Friday evening;  in that case, wouldn't you expect to also
> see (say) Wednesday's transactions on Tuesday evening?

Yes I would, for some particular value of "evening".  What I would
actually expect is there to be two instants (which might well be the
same) at which Tuesday's provisionals become definite, and Wednesday's
knowns appear on the provisional list.

I would expect this instant to be some time after close of business
on Tuesday and start of business on Wednesday.  This would depend on
when exactly they do their processing, and it may well not be at the
same time every night.  A few moments ago (after 10.30pm but before
11.00pm) today's (Monday's) provisionals were still provisional and
there was no sign yet of tomorrow's provisionals (I expect council
tax to go tomorrow as it generally goes on the 16th).