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Has anyone had any sense out of the Ombudsman regarding closure of accounts? I have just come off the phone to Alliance and Leicser and they say they have "voluntary" closed the account but I cannot reopen it until the outcome of the test case!! I have made a claim against Barclays and I hope they dont do the same thing as I do not have the money to repay the overdraft!
Has anyone had any sense out of the Ombudsman regarding closure of accounts? I have just come off the phone to Alliance and Leicser and they say they have "voluntary" closed the account but I cannot reopen it until the outcome of the test case!! I have made a claim against Barclays and I hope they dont do the same thing as I do not have the money to repay the overdraft!
Hang on they have voluntarily closed the account??
Exactly! I didnt really get the drift of what the woman was talking about, being very awkard, they said the account was closed, it would not go against my credit rating but basically incase I decided to try and claim any future charges they closed the acccount!
Exactly! I didnt really get the drift of what the woman was talking about, being very awkard, they said the account was closed, it would not go against my credit rating but basically incase I decided to try and claim any future charges they closed the acccount!
Have you claimed bank charges?
Have you got what she said in writing?
Ask for a final response in writing.
Yes I made a claim and got the charges back about 6 weeks ago but the final response did not say the account would be closed, basically there were £100 in charges pending which I did not think would be added as they were for the period before the claim was settled, but had not been debited. I had £250 o/d which I planned to pay that off, but then the £100 charges got taken out AGAIN so I was then over the limit without knowing, as I had cancelled all d/d's etc I did not bother checking the account and I was back in the same boat without knowing, I dont know if this is the reason behind the4 closure, I have had nothing it writing and when I spoke to the lasy initially she claimed I had spoken to somebody on the 27th July, and I have never spoken to anyone by phone at all!
"16. Before closing a personal current account of a customer in financial difficulty, the firm might offer the customer a basic bank account, if this is a facility that the bank offers."
and:
"(18 ) the firm must not close accounts or threaten closure of accounts of customers when it might reasonably appear that this is for the purpose (or with the intent) of penalising customers that have complained about unauthorised overdraft charges for having complained, or deterring future complaints from these customers or others. For the avoidance of doubt, the firm may close accounts or threaten to close accounts where there is good justification for doing so based on the circumstances of the particular case;"
Now technically from your post, as your aren't that bothered, then it isn't a major issue since they refunded the charges, haven't as such closed it until the conclusion of the OFT test case and you use another account. However, had it been your only account then that is a different issue.
"16. Before closing a personal current account of a customer in financial difficulty, the firm might offer the customer a basic bank account, if this is a facility that the bank offers."
and:
"(18 ) the firm must not close accounts or threaten closure of accounts of customers when it might reasonably appear that this is for the purpose (or with the intent) of penalising customers that have complained about unauthorised overdraft charges for having complained, or deterring future complaints from these customers or others. For the avoidance of doubt, the firm may close accounts or threaten to close accounts where there is good justification for doing so based on the circumstances of the particular case;"
Now technically from your post, as your aren't that bothered, then it isn't a major issue since they refunded the charges, haven't as such closed it until the conclusion of the OFT test case and you use another account. However, had it been your only account then that is a different issue.
Where is this golden nugget of info from?! This helps me no end!
Sorry for butting in losingmycool, best of luck to you
Dipply75
I am in no way a legal advisor and only speak from my own experiences and the helpful advice of those in the same boat!
Many thanks for that, do you thinks its worth me writing to them to try and get it reopened? I wanted to use their account as it has a good rate for credits
Closure of account and ombudsman
regarding closure of accounts? I have just come off the phone to Alliance and Leicser and they say they have "voluntary" closed the account but I cannot reopen it until the outcome of the test case!! I have made a claim against Barclays and I hope they dont do the same thing as I do not have the money to repay the overdraft
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Originally Posted by losingmycool
Where is this golden nugget of info from?! This helps me no end!
