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mioliere

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  1. Many thanks for your message - we are still working out what to do next but will not be giving up!
  2. Many thanks RCR for your kind words re my mum's dispute with Nat West and, if I were you, I would carry on with your claim. I am still dealing with Lloyds TSB and part of me just wants to give up but i have to keep remembering that it is MY money,not theirs! I had success with my son' claim against Nat West so that has given me more hope! Good luck to all who are fighting the 'big boys'!
  3. Hi Nattie - many thanks for your reply. She did query it when she first received her statement showing that £200 more than she had received from the ATM had been debited. She went into the branch and discussed it with the cashier who then fetched someone else. They said that the machine was nothing to do with them but that they would contact the company who maintained it and get back to her. She left it some weeks - because she did not want to pester, having already been made to feel a nuisance -and heard nothing so went back into the branch and, again, was told that they would investigate and get back to her and, again, she heard nothing and just gave up; the bank has told her this week, in the first letter she has had from them about the matter, that, as six months have passed, they can take it no further - funnily enough, their lack of response and failure to get back to her ensured it did indeed go beyond the six months. She felt she wasn't being taken seriously by the bank staff. I only found out by chance a few weeks ago and I am really angry that she felt she couldn't take it further - as she put it 'little people like me can't fight the big boys'. This is why I said I would help her try and get her money back. They should have contacted her on the two occasions that they reassured her they would but she feels they just dismissed her completely and hoped she'd go away. This, after banking there for over fifty years! Our letter to Nat West asked why they hadn't contacted her as promised and their letter did not even refer to that. It's a pretty shabby way to treat a long-standing customer. Incidentally, the letter they sent her was obviously just a photocopy, in a roughly hand-written envelope on which they hadn't even spelt her name correctly and was 'signed' (merely a scanned signature) by the 'Counter Manager'. It does not give a customer much confidence. I think she has been treated unfairly and I'm very sad that it appears that nothing can be done. Thanks for your time.
  4. Thread Tools vbmenu_register("threadtools"); Search this Thread vbmenu_register("threadsearch"); Rate Thread vbmenu_register("threadrating"); Today, 15:04 #1 (permalink) mioliere vbmenu_register("postmenu_707978", true); Basic Account Customer Join Date: Feb 2007 Posts: 11 ATM Dispute Hi - I have posted before but on someone else's thread because I couldn't find 'post new thread'. I feel pretty daft now because, obviously, I have now found it and it really wasn't that difficult. Have a lot of monkeys playing around with my brain at the moment! My earlier post was about an ATM dispute my mum is having with Nat West bank. One of the replies to my previous post asked whether or not my mum had been given an ATM dispute form and we are now wondering if she should have been offered one when she first queried two withdrawals she hadn't made but had had money debited from her account for. The bank have told her that nothing can be done because the dispute took place more than six months ago. If we can claim unfair bank charges for the previous SIX YEARS surely the ATM transactions should also be covered? My mum has been a good customer of the bank for more than fifty years and she feels they are accusing her of trying to defraud the bank of £200 which is ludicrous. Can she ask to see what the ATM actually recorded on the day her money went missing in the same way that we can demand our statements? Her bank is held in one town and, because she moved to a different county and the bank said she couldn't transfer her account to her new local branch (I don't understand why she couldn't transfer it) she wrote to her local branch AND the one which holds her account but has only had a reply from the local one. I would have thought she would receive a reply from both. I am very concerned because it is not the first mistake they have made. On the day of the disputed ATM withdrawals, she withdrew £300 (the bank say she withdrew £500!) but her branch only allows her to withdraw £250 maximum per day unless she has made an arrangement with them which she hasn't. Now they tell her that it is £500 maximum per day but she hasn't made an arrangement for this. They have also just written and told her that, if she doesn't deposit into her ISA for the year 2006/07 she will have to reactivate her account, yet she put £3000 in in January this year and has the statement to prove it. I'm concerned that she has been muddled up with another customer. I'm sorry for such a long post but I can't find anyone else here that has had an ATM dispute or an ISA deposit ignored by the bank. I do hope someone is able to help. Many thanks in anticipation
  5. Hi - I have posted before but on someone else's thread because I couldn't find 'post new thread'. I feel pretty daft now because, obviously, I have now found it and it really wasn't that difficult. Have a lot of monkeys playing around with my brain at the moment! My earlier post was about an ATM dispute my mum is having with Nat West bank. One of the replies to my previous post asked whether or not my mum had been given an ATM dispute form and we are now wondering if she should have been offered one when she first queried two withdrawals she hadn't made but had had money debited from her account for. The bank have told her that nothing can be done because the dispute took place more than six months ago. If we can claim unfair bank charges for the previous SIX YEARS surely the ATM transactions should also be covered? My mum has been a good customer of the bank for more than fifty years and she feels they are accusing her of trying to defraud the bank of £200 which is ludicrous. Can she ask to see what the ATM actually recorded on the day her money went missing in the same way that we can demand our statements? Her bank is held in one town and, because she moved to a different county and the bank said she couldn't transfer her account to her new local branch (I don't understand why she couldn't transfer it) she wrote to her local branch AND the one which holds her account but has only had a reply from the local one. I would have thought she would receive a reply from both. I am very concerned because it is not the first mistake they have made. On the day of the disputed ATM withdrawals, she withdrew £300 (the bank say she withdrew £500!) but her branch only allows her to withdraw £250 maximum per day unless she has made an arrangement with them which she hasn't. Now they tell her that it is £500 maximum per day but she hasn't made an arrangement for this. They have also just written and told her that, if she doesn't deposit into her ISA for the year 2006/07 she will have to reactivate her account, yet she put £3000 in in January this year and has the statement to prove it. I'm concerned that she has been muddled up with another customer. I'm sorry for such a long post but I can't find anyone else here that has had an ATM dispute or an ISA deposit ignored by the bank. I do hope someone is able to help. Many thanks in anticipation!
  6. RCR50 - many thanks for your message and support! We are still waiting for progress on my mum's problem with Nat West and also mine with Lloyds TSB but will message back with updates as soon as anything happens. Don't you just love these banks and their greed?! The thing that really annoys me is how determined they are to prevent giving you back money they have taken from you without your permission; I know someone who works in a bank and he said that the money - our money - they have in all the various accounts is permanently being invested. It is put on the stock exchange here in the UK, then, when that closes at the end of business, the money is invested in the next one that is open - say Japan or New York, so it is constantly making money. We should really be able to reclaim all the extra that it has earned, shouldn't we? Anyway, good luck with all your endeavours!
  7. mioliere29th March 2007 06:39Re: Statements not in UK! Hi to all. I'm not sure if this is going to be a problem or not! I have commenced two MCOLs against LloydsTSB - one for a private account and one for a business account. The bank have filed an acknowledgement of service and their intention to defend in each case. As far as the private account is concerned, I was able to send copy statements with my very first letter. On the business account, I submitted copies of the relevant parts of my end of year accounts - as certified and signed off by my accountant - showing the charges made by the bank for each of the last six years. I am expecting to receive an AQ (the bank have to file their defence by 10.04.07) for which I believe I have to submit a bundle to the court and I would like to know whether or not I will have to submit the actual bank statements showing the relevant charges or if the accountant's paperwork will be enough. Obviously, the paperwork has been good enough for the Inland Revenue each year! I ask this question because all the statements for that particular account are in France where my OH and I have a holiday home which we intend to move into permanently at some time in the future. We inadvertantly took them over there on our last trip last year along with other bits and pieces we didn't think we would need to keep handy! Obviously, if I have to hand these into the court then I will have no choice but to fly out to France and retrieve them but I would prefer not to have to! I will be going out there for a couple of weeks at the end of May. If I do have to include them in a bundle for the court, how long will I be given once I receive the AQ and would I be able to put proceedings back until my return to the UK in June? I do hope someone is able to help, I'm sorry if this is a difficult question and sorry, also, for such a long post! Yesterday, I received a letter from the solicitor acting for Lloyds TSB in this case. They ask for certain details which I am able to provide and also details of each and every charge saying 'unless we receive a breakdown from you, giving full account details and showing each charge, what it relates to and the date levied, within seven days of the date of this letter (27th March), we will make an application to strike out the claim'. I have applied for online banking with the bank but that will take a few days to be up and running. Once it is, I will be able to download the relevant statements - at least, as far back as 2002 - but, obviously, to do that and then go through them all, will take some time and certainly I won't be in a position to send all the information to the solicitor by next Tuesday 3rd April - the seventh day from the date on their letter. Questions: Are they able to make an application to strike out the claim? Are they able to insist on the information being sent to them within the seven days they stipulate? What should I write in my letter of reply? Obviously, I will have to respond to the letter. I have posted the first part of this post on another thread but have only had one reply which was very useful because the advice was that I could download statements online, but I would be obliged for any other advice. I feel that time is running out for me and I do not want the solicitor or the bank to decide on the time-scale when it is MY money I'm trying to get back!
  8. No, she wasn't invited to! Now I now she should have been, I will make sure she does! Yes, her account is with Nat West. Many thanks.
  9. If you're on a tight budget find out if you are entitled to any benefits - if you are, you will be exempt from court fees! Good luck!
  10. Many thanks Butterflycollector - will first of all try and download statements online and let you know what happens when I receive the defence from LloydsTSB
  11. Hi to all. I'm not sure if this is going to be a problem or not! I have commenced two MCOLs against LloydsTSB - one for a private account and one for a business account. The bank have filed an acknowledgement of service and their intention to defend in each case. As far as the private account is concerned, I was able to send copy statements with my very first letter. On the business account, I submitted copies of the relevant parts of my end of year accounts - as certified and signed off by my accountant - showing the charges made by the bank for each of the last six years. I am expecting to receive an AQ (the bank have to file their defence by 10.04.07) for which I believe I have to submit a bundle to the court and I would like to know whether or not I will have to submit the actual bank statements showing the relevant charges or if the accountant's paperwork will be enough. Obviously, the paperwork has been good enough for the Inland Revenue each year! I ask this question because all the statements for that particular account are in France where my OH and I have a holiday home which we intend to move into permanently at some time in the future. We inadvertantly took them over there on our last trip last year along with other bits and pieces we didn't think we would need to keep handy! Obviously, if I have to hand these into the court then I will have no choice but to fly out to France and retrieve them but I would prefer not to have to! I will be going out there for a couple of weeks at the end of May. If I do have to include them in a bundle for the court, how long will I be given once I receive the AQ and would I be able to put proceedings back until my return to the UK in June? I do hope someone is able to help, I'm sorry if this is a difficult question and sorry, also, for such a long post! Yesterday, I received a letter from the solicitor acting for Lloyds TSB in this case. They ask for certain details which I am able to provide and also details of each and every charge saying 'unless we receive a breakdown from you, giving full account details and showing each charge, what it relates to and the date levied, within seven days of the date of this letter (27th March), we will make an application to strike out the claim'. I have applied for online banking with the bank but that will take a few days to be up and running. Once it is, I will be able to download the relevant statements - at least, as far back as 2002 - but, obviously, to do that and then go through them all, will take some time and certainly I won't be in a position to send all the information to the solicitor by next Tuesday 3rd April - the seventh day from the date on their letter. Questions: Are they able to make an application to strike out the claim? Are they able to insist on the information being sent to them within the seven days they stipulate? What should I write in my letter of reply? Obviously, I will have to respond to the letter. I have posted the first part of this post on another thread but have only had one reply which was very useful because the advice was that I could download statements online, but I would be obliged for any other advice. I feel that time is running out for me and I do not want the solicitor or the bank to decide on the time-scale when it is MY money I'm trying to get back!
  12. Hi - I've been advised to start a new thread but it appears I do not have permission! I will copy and paste a post I submitted yesterday to see if anyone has had a similar experience. I don't know if you will be able to advise me - just over a year ago my mother withdrew £300 from her Nat West ATM current account. The bank branch had just closed when she got there so she had to use the ATM and, because she is not used to drawing large amounts in that way, she withdrew each £100 separately! She needed £500 altogether and, being unaware that there is a limit of £250 that can be withdrawn daily (which I confirmed last week with her bank) tried another two times to withdraw £100 each time. The on-screen instructions told her that no more could be withdrawn. However, it was not until she received her bank statement a couple of weeks later that she noticed that five ATM transactions had been taken from her account. She is absolutely adamant that she only received £300 and, of course, being on a limited income, she cannot afford to lose £200. She queried this at the branch and was told that Nat West do not maintain the machine but that they would contact the company that does and get back to her. Needless to say, this did not happen so she queried it again and again was promised that they would follow it up and contact her and, of course, no-one got back to her. She felt a bit outnumbered at the bank and felt she could not argue with the 'big boys' so she told herself that there was nothing she could do about it. I only found out by chance about three weeks ago and I'm furious that they did not even bother to keep in touch with her about it. She gave me her statement and I have written to her branch (a letter from her which she signed herself - I just typed it!) asking them to investigate the matter; so far she has heard nothing. Do you think we have a case ? Two mistakes have actually been made - one, that the machine allowed her to withdraw £300 when the limit is £250 and, two, that the machine recorded five withdrawals when it should have been three. I would be very grateful for your advice. Many thanks! keep up the good work! vbrep_register("681380")
  13. Go on - get them! It's YOUR money!
  14. Thanks for the advice in your post to RCR50. I have indeed kept the business and private account claims separate because I assumed if I had put them both on one claim it would result in confused correspondence. In fact, they are each being dealt with by different offices of LloydsTSB and different solicitors. Whether I will get two different responses remains to be seen! However, I will fight to the end! On another point, I don't know if you will be able to advise me - just over a year ago my mother withdrew £300 from her Nat West ATM current account. The bank branch had just closed when she got there so she had to use the ATM and, because she is not used to drawing large amounts in that way, she withdrew each £100 separately! She needed £500 altogether and, being unaware that there is a limit of £250 that can be withdrawn daily (which I confirmed last week with her bank) tried another two times to withdraw £100 each time. The on-screen instructions told her that no more could be withdrawn. However, it was not until she received her bank statement a couple of weeks later that she noticed that five ATM transactions had been taken from her account. She is absolutely adamant that she only received £300 and, of course, being on a limited income, she cannot afford to lose £200. She queried this at the branch and was told that Nat West do not maintain the machine but that they would contact the company that does and get back to her. Needless to say, this did not happen so she queried it again and again was promised that they would follow it up and contact her and, of course, no-one got back to her. She felt a bit outnumbered at the bank and felt she could not argue with the 'big boys' so she told herself that there was nothing she could do about it. I only found out by chance about three weeks ago and I'm furious that they did not even bother to keep in touch with her about it. She gave me her statement and I have written to her branch (a letter from her which she signed herself - I just typed it!) asking them to investigate the matter; so far she has heard nothing. Do you think we have a case ? Two mistakes have actually been made - one, that the machine allowed her to withdraw £300 when the limit is £250 and, two, that the machine recorded five withdrawals when it should have been three. I would be very grateful for your advice. Many thanks! keep up the good work!
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