Financial Ombudsman - a recommendation - Page 11

The old chap · 24th January 2007, 11:24

Dear Mr Keith22,
I'm afraid its me getting my 80 year old brain in a twist. I entered the Un Paid direct letter amounts not breaking it down into proper charge of £15 each or Standard charge £30 each. It makes a big difference on entries. This is on my wifes account, she has been offered £1115 to settle. I have claimed for her £100 UnAuth Borrowing Fee, £20 O/Draft Usage Fee, £650 O/Draft Excess Fees (17 Enteries) &£35 UnPaid Cheque (One Entry).Does this make sence to you?
In my case against Lloyds also, the bank have put £750 into my account they say to settle but I have to get the brain going again on a rehash after your mail. Thank goodnes for people like you. Thanks again. the old chap.

kath morris · 24th January 2007, 11:38

Will be sending mine. I have no faith in FO I have dealt with them before for another case a critical illness claim they were unable to help absolute rubbish.

kath xx

mullingarman · 24th January 2007, 12:45

Hi,
I have sent an e-mail today complaining about FO inaction. Tried not to rant, hope I succeeded.

M'garman

Keith22 · 24th January 2007, 15:24

Hi Old Chap,

I'll try and help as much as I can. You'll get lots of help from others here as well. The first thing to do is to start of your own thread so that we can keep track of things more easily for you. If you go to the Lloyds section of the forum or whatever Bank it is you'll see a button at the bottom which says NEW THREAD. Just click on that and make a first post- and we will all be able to help you. Apologies if I am trying to teach you to suck eggs and you know this already.

muvver12 · 28th January 2007, 11:54

i have sent my message to the ombudman

lifecoach · 28th January 2007, 21:02

I have lodged a complaint with FO about bank charges and am waiting to see what happens. Why is everyone emailing them to complain? Is it because people have tried to claim charges for them and they havent been much help?

I personally decided to complain through FO because I am only trying to claim back £60 so it doesn't really seem enough to pursue a court case.

JonCris · 29th January 2007, 00:58

The FO is as much good as a chocolate teapot

lifecoach · 29th January 2007, 09:24

Hi Jonchris

is this from personal experience of making a complaint through them? What happened in your case?

muvver12 · 29th January 2007, 16:09

what i would love to see for everybody is that they bring the charges down one hell of a lot and the banks be made to pay back to everybody the amounts they took from thier customers unlawfully without people having to make claims after all the banks have all this info on all thier customers

Battleaxe · 29th January 2007, 16:32

muvver12, what planet do we move to for this to happen?

phatram · 29th January 2007, 19:47

Nowt wrong with trying, its just how to go about it.

JonCris · 2nd February 2007, 19:42

Quote:

Originally Posted by lifecoach

Hi Jonchris

is this from personal experience of making a complaint through them? What happened in your case?

Nothing.

It will take them about 5 months before they even write to the bank. they aren't geared up to deal with all the complaints nor are they fulfilling their duty. Like the OFT they are allowing ordinary consumers to have to go to considerable time & effort not to say money to get these unlawful charges returned.. All they would need to do would be to bring 1 action & use that finding to instruct the banks to refund the money

Rhino69 · 3rd February 2007, 18:29

I recently received replies from the FOS, which were basically a load of waffle stating that they were passing my notes to a 'caseworker.

Similar response from the BCSB, who can't seem to be bothered, despite the fact that their own codes state:
Section 5 of the Code: charges
14.
Under this section each bank undertakes to give new customers details of any charges for the day-to-day operation of their accounts. Customers can also find out about these charges through telephone helplines, websites and by asking staff. If charges are increased or new charges introduced, customers must be told personally at least 30 days before the change takes effect. Before a bank takes interest or charges for standard account services it must give customers at least 14 days’ notice of how much will be taken. Banks are also required to provide a message on cash machine screens that tells customers the amount (if any) they will be charged for the transaction and who is making the charge.
(Personal notification can be by any one of a variety of methods: for example, by letter, statement insert, e-mail or secure internet messaging)

Obviously the Banking Code Standards board cannot be bothered to adhere to their own code of practice and punish those banks responsible!

The old chap · 4th February 2007, 20:45

My wife who is going thro FOS had a letter from them saying that Lloyds had agreed to refund £1115.00, was this satisfactory to her. Wrote back to FOS and ask how that figure had been arrived at and what was the breakdown between various charges, They came back in about a week and basically said they were not sure how they were arrived at 'by the Bank'. They would enquire but probablly take a little time. Interest charges were not in their remit as yet as there was a lot of dicusion involving the Office of Fair Trading.

winifred · 5th February 2007, 22:02

I am not sure as to how I would go about getting charges back from the Halifax. They areat present are holding paperwork up with the official reciever, and they have done so since before Christmas. They are holding everything up as to the finality of the bankrupcy.
They helped put us in this situation and we need the charges back, nearly £1,000. can some -one help and steer me in the right direction. thanks

Enron · 6th February 2007, 19:49

Heard from the Financial Ombudsman today, they're getting 1,000 enquiries per day.

From what I can gather from the e-mail ALL banks are settling before a formal decision is made - so you'll get your money back via this route but no interest as highlighted above.

--
Dear Steve,

My apologies for the delay in dealing with your enquiry, I was out of
the office last week. In terms of your query as a confidential service,
we are unfortunately, not able to give out the details of either party
in a dispute. However, we are receiving up to 1,000 enquiries a day and
so are being contacted by consumers about most of the major banks. In
all the cases that have been formally referred to us, the firms have so
far made offers to refund all the charges.

I am sorry that I am unable to give you the information / confirmation
that you wanted.

mooreda · 6th February 2007, 20:03

wey hey - 1000 enquiries a day - i love it

Enron · 6th February 2007, 20:05

Has anyone here been to the FO with their claim?

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide New Edition	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.