Recently had a direct debit presented to my TSB account when there were insufficient funds. However, I knew that a BACS transfer from my employer (they had short paid me this month) was to reach the account the next day. I rang TSB and explained the situation, they stated that "they couldn't see inbound payments, regardless of where they are coming from" I don't understand this at all because under the BACS scheme, the fund would have been already with TSB ready for payment to my account the next day! Indeed every bank I've previously had an account with has always been able to see an inbound BACS payment the day before. I then asked if they would consider making the payment and they told me that I didn't qualify for an overdraft and there was no flexibility there (computer says no syndrome) I then asked them to confirm for certain whether or not the payment would be returned, to which they told me they couldn't and it was "up to the computer" later that afternoon?! Surely it's not unreasonable for me to expect the bank to be able to tell me for certain whether or not they are going to return a payment? Had they confirmed for certain, i would have cancelled my meetings that I had scheduled and borrowed the funds from a colleague and taken them to the branch by hand to pay in. However because they couldn't tell me I decided to take the chance.. . Obviously it didn't go in my favour! My question is, are TSB talking rubbish about not seeing BACS payments and not being able to tell me if they are going to make a payment or not? All seems very 1990's to me and a world away from my experiences of First Direct / HSBC

We have a complaint for mis sold ppi against a secured loan we took out in april 2004. It has been in the hands of the FOS since february 2010. We get regular letters from the FOS every 3 months but they all say pretty much the same thing. They keep going on about looking into relationships between the ppi underwriter and the company that provided the loan or the company that sold us the product (presumably because we used a broker to find us a loan). The ppi was added to the loan at the begining and from what ive read on this forum and other places this type of ppi is resulting in lenders practically giving customers theyre money back without any hassle. This time delay is begining to fill us with doubt as to whether the complaint will be upheld. Anyone got any views on this one ??? Need any more info please just ask thanks in advance.