I've Been Stung! - Page 2

Docubot · 20th February 2006, 14:51

I don't think so - the banks "regulate" themselves, so will investigate themselves too - this is my understanding of it; and when they investigate themselves and come to the conclusion that it is you that is wrong not them - the ombudsman is supposed to take over.

Sadly, when it comes to T&C's the ombusdman will not get involved.

Quite right really - it's not a legal body, merely a mediator.

BankFodder · 20th February 2006, 14:52

I don't know what they're procedures might be. Frankly I don't imagine that they have that kind of scrupulous legalit aporach. not that they are unscrupulous - just that it doesn't even occur to them that this might be a desirable approach.

BankFodder · 20th February 2006, 14:52

I don't know what they're procedures might be. Frankly I don't imagine that they have that kind of scrupulous legalit aporach. not that they are unscrupulous - just that it doesn't even occur to them that this might be a desirable approach.

dt3000 · 5th March 2006, 19:17

Received a letter yesterday saying they'll pay back my £110, providing I sign a letter essentially stating it was all my fault and they are very nice giving me my money back, etc ,etc. How do I respond to that without accepting liability?

P.S. They also stated they were "PENALTY CHARGES"

comanche · 5th March 2006, 19:27

Bingo! Could you post the sentence where they actually use the words "penalty charges"?

Docubot · 5th March 2006, 20:12

Bugger posting the sentence - could you send me a scan (ommitting the obvious identifying marks) please.?

dt3000 · 6th March 2006, 13:19

Dave.....I'll scan it and email to you this evening. The actual wording was "we are not in the habit of penalising customers....

Docubot · 6th March 2006, 13:27

Cheers - look forward to seeing it.

dt3000 · 16th March 2006, 18:22

Sent a reply to their letter this morning - plain and simple - accepting the money and accepting as settlement on this occasion - I did not sign the letter they requested me to sign trying to apportion blame to me. Now I just wait and see if they return the money owed.

dt3000 · 10th April 2006, 01:02

Just an update - I closed both of my accounts a couple of weeks ago with just a few pound left in the account - not received the balance nor the money owing. Almost time for a final letter I think.

dt3000 · 10th April 2006, 12:12

Just for comparison I wonder if any of you could tell me, in particular to uncleared funds, if you go overdrawn is it shown on your bank statement as a negative balance or specified as overdrawn...or does your statement still show you as being in credit. Any replies please state your Bank.

Cheers

cheddar · 10th April 2006, 17:53

Hmm really sure what you mean but on my NatWest Statement is will say for example:

£1.25OD

That means £1.25 OverDrawn.

thegoodsamaritan · 10th April 2006, 20:21

In RBS it depends on what statements you mean.
Say you're £100 overdrawn:
Proper statements (ie those sent out in the post) say £100.00 DR (DR = overdrawn by the way)
If you asked for a mini-statement at the in branch it says £100.00 - (ie £100 followed by a minus symbol)

dt3000 · 12th April 2006, 16:34

Thanks Cheddar and TGS....just for comparison the Abbey statements (printed or online) I have show nothing at all to say it's overdawn....no OD after the fugure nor a minus sign.

dt3000 · 20th April 2006, 12:09

Just received my closing balance this morning...but without the money that was owing to me for the alleged OD charges. How long does it normally take once an online moneyclaim is made for the court date to be given.....I don't want it to conflict with my holiday?

dt3000 · 31st May 2006, 16:16

RESOLVED - AT LAST!

Cheque waiting for me when I got back from holiday and duly deposited with my new bank - RESULT!

JimTheGent · 31st May 2006, 17:36

Congratulations - long wait but worth it. What a lovely surprise on your return from your hols. That should lift your spirits as well as your Bank Balance.

jayne67 · 31st May 2006, 17:57

Congratulations. Another one against Abbey (I have noticed that claims against abbey, or at least resolved claims are very few, they must be due an influx of LBA's!!)

joneshousehold · 31st May 2006, 17:59

Well done, another satisfied Abbey customer!
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