Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Same thing happened to me Wednesday, tried to take £100 out, machine states unable to complete transaction, knowing that there where funds available i tried again, machine states the same message, i went to another cash machine and my withdrawal was succesfull.
Later that day i checked my online bank account, i noticed that there was 2 x £100 taken from my account, i immediatly telephoned my bank, i explained my concerns, they informed me that the machine would reverse the transaction within 24 hours, the money still has not been credited, i have now made a formal complaint and the bank has refered the matter to the owner of the machine, this is going to take some time and i am out of pocket £200, my bank would not even credit the £200 untill the investigation had been completed !
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Thanks for your prompt response and sorry if i am a little vague, i am new to this site !
The ATM in question was outside a post office, my bank in question is Abbey, they been real helpful at the moment, but i am not happy at been out of pocket, ive logged a complaint too.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Keep all communication in writing only, so you have a good paper trail.
If you do have any tele cons, make notes straight away including detail of discussed points, time and date.
Thanks for your further help, ive rang for an update today, but theres no resolution yet ! ive told Abbey that i will be persuing them and or the ATM owner for a claim for all the inconvenience and stressed caused once the matter has been resolved initially. Ill post updates ASAP.
Depending on the outcome of their investigations into this, you should be able to ask for compensation for your time, expenses and stress caused by all this. Whether they agree to pay is another matter.
If they fail to resolve the situation to your satisfaction, you could File a court claim against the bank and/or the ATM operator for the return of your money AND for any losses and your time in sorting this.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Depending on the outcome of their investigations into this, you should be able to ask for compensation for your time, expenses and stress caused by all this. Whether they agree to pay is another matter.
If they fail to resolve the situation to your satisfaction, you could File a court claim against the bank and/or the ATM operator for the return of your money AND for any losses and your time in sorting this.
Thanks for your continued advice, ive been real patient with them even been into my local branch, ive obtained a statement covering the date that the fault occured, there was 7 reversals and 9 transactions, this clearly confirms a fault with the machine, just a waiting game now !
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Keep that statement safe as it shows something was amiss and should help if you have to take your case further.
You could always send them a lba giving them 7 or 14 days to refund your loss, after which you'll File a court claim.
Thanks for your further advice and help, ive rang them again today for an update, but as per usuall they can not tell me anything, only it takes time, i did speak to a supervisor today as i have experienced further customer service issues whilst the ATM dispute continues, basically i asked for a supervisor to ring me last week as well as filing a complaint, i have also been given misleading information on every call, i havnt heard anything to date, the supervisor today apologised, she confirmed there was no complaint logged or request for a supervisor to ring me, only the dispute with the ATM has been logged, she told me i would receive a written reply within 3 to 5 days, she also offered to credit my account with £10 for the inconvenience caused, i declined the offer but thanked her, i notified her that i may forward a claim once the matter has been resolved !
I know you've seen Rochford's thread re the Barclays ATM dispute which is now resolved. But it took weeks !!
If you think you've waited long enough and you're fed up with their failure to give any clear info on your problem, make a brief complaint to the CEO's office.
Personally, I'd give them a further week to give you some proper answers, and then complain to the top.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
I know you've seen Rochford's thread re the Barclays ATM dispute which is now resolved. But it took weeks !!
If you think you've waited long enough and you're fed up with their failure to give any clear info on your problem, make a brief complaint to the CEO's office.
Personally, I'd give them a further week to give you some proper answers, and then complain to the top.
Thanks for the continued help, im keeping a record of all calls etc, ive already started a complaint regarding the misleading info etc and i will certanly be complaining to the top in due course ! sorry if i sound inpaitent but theres clear evedince of a fault with the machine in question.
Update - Rang the ATM dispute team today for update.
I was informed that my account was credited with the missing money, 2 days ago, they also confirmed that the machine was faulty.
I also enquired about my complaint as i have not heard anything to date, i was informed that a letter had been issued, as it was now a phase 2 complaint, they will reissue this letter.
They also informed me that a letter was also in the post regarding the non despense and an explanation, they also offered to credit my account with £10, i declined this offer again.
Just waiting for correspondence and i will decide my next course of action.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
UPDATE - Just a quick note to let you know the matter has been resolved, via a number of telephone calls, i was intending to write a formal letter of complaint, however, the company has now provided me with a full written appology which sounds genuine, they have also offered a Full and final settlement payment matching the amount the ATM took in error !
Many thanks to this site and particullar Slick for all the information - donation to follow shortly.
Any help and advice is offered in good faith, based solely on my own knowledge and on experience gathered from this site. I am not qualified to offer legal or financial advice, which you should seek from an expert before making any important decisions. My opinions are therefore offered without liability.
Delighted to hear this has now been resolved to your satisfaction.
Have they offered you compensation for your time, effort and inconvenience in all this.
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They have offered the sum of £100 in Full and final settlement, the amount which was taken in error was credited back to my account a few weeks ago, considering i had not written to them i feel this was a reasonbale amount to receive.