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About lee79

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    Basic Account Holder
  1. Update. I know this is my fault but I let TSB decide the speed of the complaint. Letter after letter was sent, telling me how they’re looking into the complaint and finally it’s been closed as far as they’re concerned. The outcome? Well, apparently these accounts are still mine. What a surprise. I’ve just contacted the Ombudsman and they’re are looking into whether they can investigate or not. It’s seems it’s a bit of a grey area due to me claiming not to be the consumer. TSB’s complaint team are absolutely appalling. I genuinely feel they’re trying their luck in terms of palming
  2. Good point and I was thinking along similar lines - taking a more active approach investigation.
  3. I think I will dx, thanks. I’m really annoyed at how little they care and the arrogance of the person who looked into this issue especially considering the reason I’ve contacted them.
  4. Accordingly to TSB’s Senior Operations Manager the account is mine. Not only that but 5 others are mine as there are also 5 savings accounts. Funny how I managed to forget about them. I think it’s fair to say they dedicated about 10 minutes looking into this. Now I have to appeal the decision by repeating what I said on Saturday. I’m not trained to the same level as their Ops Manager but surely the accounts being opened 3 years after leaving the address and being opened very close to each other should have set off alarm bells somewhere.
  5. I’ll keep the thread updated. Hopefully it will be sorted out eventually. Thanks for the replies.
  6. Will do. Looks like whoever opened it has finished with it now as well. There’s no deposits since April. Just can’t understand why they would do it. I associate bank fraud with loans to gain money.
  7. Hi all. I’m looking for some advice. I recently opened up a noodle account and noticed that a TSB account of some sort had been opened in my name. I think it was a loan as there have been monthly payments and now has a balance of £0. I know I should have checked sooner but in the past we used ones like Experian mainly for our credit score. Here are more details anyhow. The account was opened approx 3 years after we left the address it is registered at in 2014. There have been regular payments into the account/loan and everything other than it being false, seems
  8. Thanks for the tip ericsbrother. The problem is pretty basic and I'm not asking the world so here's hoping they make their decision right the first time
  9. We're not in a position as of yet to leave but as soon as we can we will. Yet another letter this morning from past due threatening to add fees to the account if I don't agree something with them, despite me asking the ombudsman to ask NPower to stop harassing us. EDIT: just re read the letter and they've actually added fees to the account.
  10. Not sure if this is new, it's been a while since we've had to actually order a new card prior to a new one being automatically sent to us. My wife visited the bank yesterday to do some over the counter stuff. The person could not read her card so ordered a new one for her. Unknown to is this rendered her current card unusable. Called this morning thinking it would be a simple matter of unblocking an incorrectly blocked card but no. Apparently it was not an accident and she cannot use the card now until the new one comes. It's ok though according to the guy she spoke to as we have
  11. Thanks batman. Just a quick update while I'm here. The complaint is now with the ombudsman, however it hadn't stopped NPower getting BCW group to chase me up with a letter and threat of a home visit! Needless to say that won't be happening.
  12. UPDATE: I have just been informed that it is not now due to me not sending in the I&E form that they cannot spread the debt over a longer period (despite me having my online conversation still to hand and a final letter both stating it was) it is now because my wife 'agreed' to the payment plan in that call back in July. If you remember that call involved my wife asking if it could be spread over a longer period and being told NO so was forced to accept the one and only offer available. So it looks like my wife was rail roaded into accepting this repayment plan after being speci
  13. Having major issues with the children at NPower. I thought I would share it for some advice and so that others can see how they treat customers. Basically we ran into some arrears a few months back. This was due mainly to them not billing us, to which we had a letter stating this and many DD not being registered that we tried to set up during this time. After each failed DD we kept contacting them regarding the DD but were ignored until we made a formal complaint to which we then had the debt spread over a longer period and some money added to the account as a goodwill gesture. This go
  14. I can imagine. Getting in touch is a nightmare. They're usually spot on with the refunds. This time however the money we paid for the entire shop got refunded back to our account then went out again a week later. This happened a day or so after I called to report the missing items. We didn't get any emails about the refund as we usually do and looking on the internet it appears that this isn't likely to be because of the initial attempt to refund but seems to be definitely causing the following attempt to refund to fail. I suggested this to the third person I spoke to who confirmed there was a
  15. Thanks for the reply. The number I've called so far has been free plus also the emails. I also informed them about 10 minutes after I received the delivery. It's not a massive amount but if they short deliver a lot of people to the amount of £5.20 they can make some decent profit.
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