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About lost1701

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  1. Update, The date is now the 23/03/2018 The last update from the person dealing with the complaint was Dear xxxxx Thank you for your patience whilst we’ve been looking at your case. I’m writing to let you know that there have been a number of developments within our service which has meant that we’re taking a closer look at the issues you’ve brought to our attention. We’re doing so to ensure that we’re providing the fairest answer and that we are consistent with our approach to these cases. What this means, for now, is that your case is on hold. I’m unable to give you any definitive timescales as to when our review will be completed, but please rest assured that I will update you as soon as any developments occur. If you need anything from me in the meantime, please do let me know. Yours sincerely, xxxxxx xxxxxx DX, you asked me what i was complaining about, my complaint overall is regarding how a banking institution can open an account on an address i lived at three years ago, how someone could use some form of identification to open the account. Literally its been three years since i lived there, no open accounts, no passports, driving license etc etc would of gone there for identification. Then the lapse of the banks staff from branch to executive office level. The only person who gave me any type of clarity was the online advisor when i tried to get internet banking working to find out what the cheque was. His words as i remember sort of!. "its protocol that the account automatically gets shut down, you cannot just take over the account in your name" Now i went to branch with updated identification, i spoke with there head office which being fair were useless. My complaint is i want the cheque refunded and compensation for there lack and useless ways of operating as a banking institution. Now its lucky the account was not abused. I just cannot get my head around them being able to open an account on an address from 3 three years ago!! Now it must of done some damage having the cifas marker on my file, i have had serious trouble getting identification confirmed. This is my main complaint i guess, its just beyond belief. It was way to easy for the person who opened the account and then subsequently cashed a cheque in my name to do!!!!!! Regarding the last email from them, i responded with an email of unhappiness, then they responded again from a different department saying they are on the case but its taking time.
  2. My basic question is regardless is if i do not agree with the initial outcome of the fos, is there a second level to go to?
  3. Okay.. to be clearer.. the fact a bank doesnt even know its own method of working from high level to low level. The fact i had to jump through hoops to know anything whatsoever. The fact their system can allow an account to be opened from three years ago. The fact there head office is simply incompetent. The fact i had to investigate the cheque myself when technically i could of seen it already if i paid for a copy No i did no ppi claim,that rests on the other banks fault for sending it to a three year old address. In actual fact,its lucky the account wasnt abused whilst under someone elses control To sum up im complaining about the fact a squirrel could provide a better service than that bank
  4. Noone else, this is what gets me a bit,even the laziest human being to have graced the earth remains to.....do nothing, the only other person was an office fellow who was made redundant in december and they took another guy on a few weeks ago
  5. not that i recall... i didnt think agency counted as part of the redundancy
  6. This is my experience so far. I was a victim of identity theft on an account opened at a three year old address where i hadnt lived I only discovered this due to my credit file. I called the bank....the bank themselves told me to go into branch and hand identification. Confirmed. went to the bank got a statement out and changed address, all information A cheque had been paid in by the person who comitted the crime. I asked for details, said i would need to pay to get the copy of the cheque, couldnt at that precise minute. Contacted the banks head office just to get the situation confirmed and more over to find out what this cheque was ( As reality says if they had to open an account in my name,the cheque would of also been in my name) So flip to the executive office. Reponse email we will look into it Following day i call..they say i..myself failed security lol..lets be factual here,there was not a question wrong, even from a background point of view,that and being my details were updated in branch! Recieve an email saying another team is looking into it and possibly i may be able to tell you tomorrow what the cheque was. Tomorrow comes around, i cant apparently due to data protection...data protection of what miss its my name that got used!!..now while this has been going on, a new bank card has arrived and internet banking credentials to my updated address. So the only other route is to get internet banking active as it would show the cheque identifier,like what bank etc, my guess is that was a ppi refund or the like So ok,start to create, i have an issue at the password login,id already created, so i call there tech department. The tech department informs me...AT THAT STAGE..at that stage after going in branch and talking to there senior folk at head office..that i cant just take ownership of an account,then cancels everything. I recieve a cosy letter saying they have removed the account and marker from my credit file and listed me on cifas. and that maybe i could contact barclays to get information of the cheque. So i did a ppi refund was issued to that very old address. Only because i have had to initiate that with barclays and discuss with their head office. right to the fos...late september the complaint was made, we are now on the 16/02/2018 after a few calls and emails from myself and told i would have a response, the advisor is now piecing things up to an endgame. Its not a great outlook for myself and the fos Honestly i think the system is biased, My question is ...sorry thought id explain the story. if i disagree with the fos..which i will..ive a strong feeling they will side with the bank, who in my opinion is seriously flawed between departments, from branch to top senior level. I have never known such a lapse in clear and concise methods. Who do i go to after fos, can i ask for someone else to look for it? If for one second the fos entertain the bank operated within procedure they must be reading something else
  7. No i believe your right,sadly my agency time working there counted into the two years but 3 months as agency sadly! I dont know it just irritates me when there was a person far more ready to be chosen for selection due to being a lazy...wotsit. Basically started an apprenticeship...failed that...went to stores..failed that. Now does nothing but somehow im chosen for selection. When the real reasoning is because they want to stretch someones limits to my job and help with another but because i didnt have a manual license was unable to do it... As i said sort of nice company but the fair ethic isnt in their remit
  8. i did notice,adequate timing on their part. I was never given a contract. Hr said 'we dont do that here' when taken on. Thats across the board.
  9. i did take a look, i mean..does the procedure they followed sound ok?
  10. listen, in all honesty.......this is my 10ps worth and im not keyed up very well.. however...noone is above you or below on a human scale..yeah they have a 'position' above you..Noone should be screaming at you. Your first port of call is to start looking for another job role, if you want to take the company on...it depends what the best outcome is, as in endgame. Now someone did mention a punch in the face..im all on that suggestion, but punch in the face doesnt achieve much. Theres many more ways to sting someone on a personal scale..regardless.. the overview is its just a job. Even if you resolve any issues, there will always be an undercurrent. Start looking and get out.
  11. right to start off, i liked working for my employer, its not to much of a suprise i was made redundant but.. Okay ive worked for the company for the last two years. early december 2015 i started work,through an agency,the probationary period was three months. Anyway before xmas they decded to take me on and i would go on company at the end of probation. okay last november instead of a percentage rise they would do appraisals last january early feb this year (the first every for me) and actually the first set of appraisals for people working there for 3 or 4 years. so last friday i thought i was being called up for an appraisal that is until i saw the envelope on the table. with pay in leiu until the end of this week i was allowed to go. Now okay, there reasoning is work had slowed down, to a degree this is true but with roughly 4 projects waiting to hit the shop floor,i thought it a bit odd anyway. The main reason far as i can tell is the goods in and stores need someone with a manual license. I have an automatic. Before id gone in the previous day a colleague had an appraisal and said they were going to get someone in to to cover both roles. i did suspect then. They did this with another guy in the office last year made him redundant. Then hired again just in a slightly different role The above is not my main issue, my main issue is theres a guy there whose worked there for 10 years and literally...the only reason he is there is because hes one of the directors family, swear down ive never known a more lazy person...its commonly know as well among management and employees that this is the case. I find it slightly odd the company gets rid of people but keeps this guy on? Now am i alone in being slightly irritated by how it played out, dont get me wrong i think in the end it will be a positive kick in the ass for me i just find it beyond reproach a company can afford a guy who does nothing! but i have to leave...especially when workwise..he serves zero productivity level.. Thats it!
  12. yeah no he doesnt claim anything. Im aware uc is now an all in one payment,before it was introduced you had to go through hoops etc. that was all i was asking.i do not intend to be on it for long to be fair but as an interim thing.
  13. Hi long story short. ive been made redundant. I do not plan on being jobless for long but in the interim regarding universal credit, im currently renting a room, question being,would it be problematic for the landlord?
  14. No my initial statement confirms I'm not certain it was her. Asides from everything went to that address and the cheque was put in the next town across due to a branch not in the town where the address is. Why also would I open an account at an address i lived at 2.5 years ago Third the cheque in and subsequent deposits quickly taken out and the account left dormant until I've just found it on my credit file.
  15. They are, santander are going to get the cheque so i can see exactly who the cheque was from. Surely as the branch shows quite clearly where it was put in,do they not keep branch cctv records to confirm who put it in? i will update the thread when i get a response from them.
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