I have an account with ISME and have made regular payments to that account via online bank account with no problems until June. I made the payment through the 'faster payments' process and my bank have confirmed that this has left my account and it should have arrived at ISME account within 2 hours. However, ISME have been sending me text messages and calling my homeline chasing payment, and I have explained that the mistake is not with me. I placed a small order last night and by accident today, I find they will not release my order due to the missing payment. I have spoken with their so called 'customer services' department today only to now be told that their bank Nat West have had glitches with it's system and all payments made in June have been lost in transit!!! They have tried to tell me that whatever effect it may have on my credit report, they will reverse it asap. I have a sqeaky clean credit file and to add insult to injury - they have applied a DEFAULT CHARGE to my account until the mess is sorted and no further orders can be processed either. When I asked what compensation would be provided she said, we will reverse the charges and your credit file will be right, what do you want compensation for? Apart from anything else, they have lost my custom. Any thoughts peeps? Shelley

Hello, My partner has recently recieved a factually inept and incorrect letter from her ex husbands solicitor. In the letter it is addressed to her former married name and not her now maiden name. The divorce was signed and sealed in Feb 12. Does this make the letter invalid? I wondered what people would suggest to do with it? Thanks in advance for any help

Hi - bit of a strange situation here.... Person A made an internet transfer but entered the wrong details, accidentally using an old sort code and account number. Person A contacts their bank (Halifax) and asks what they can do....Halifax say they can do nothing and advises Person A to contact recipient bank (Santander). Santander refuse to discuss accounts with Person A as they are not the account holder. Person A contacts Person B (the Santander account holder). Person B contacts Santander Business Banking (business account) but they will not discuss account as the account is closed, no transfer history can be recalled so identity cannot be confirmed. (account in question IS closed as has been recently confirmed, and was closed by Santander themselves following a lengthy argument about huge overdraft of hundreds of pounds which amounted from an £8.50 charge levied by Santander against the account, and Santander have not been in contact about the situation in nearly 3 years following the last correspondence from Person B to Santander). Person B writes to Santander giving them 14 days to return money to Person A otherwise a complaint will be lodged with regulatory body. Person B receives letter this morning (16 days after deadline date) stating that payment from Person A has been credited to the closed account to offset overdrawn closing balance and they will not be returning the funds to Person A. My question is can a bank legally keep hold of money that they have been told was sent in error and doesn't belong to them or Person B? They obviously couldn't release the details of either Person A or Person B to either party to resolve the issue, so where does everyone stand? This has been going on since March of this year (2012). Flip the situation over; a bank accidentally credits someones account with funds, the person spends the money knowing they don't own it, and they go to jail. How is this situation any different! I'm guessing that with all the flap about excessive bank charges, Santander decided to step away from the situation and just close the account. No Credit Rating records have been effected by the account (sole trader account, no limited liability). Does anyone have any suggestions? Are they calling Person B's bluff over the threat to go to Trading Standards et al?

Hi all, Any help much appreciated. I pulled up my credit report today after not being on it for 6 or so months to find this which has confused me and am just looking for some advice on what it means: STUDIO Mail order £0 03/06/2012 It has £0 balance and credit limit yet is showing on my negative side with credit expert and is listed as revolving credit. Now I did apply for credit with them around december 2011 but never had any response from them so assumed nothing of it. I have contacted them straight away about it to query it and sort out getting it removed but im confused on why this would be placed on my report with a £0 balance and credit limit yet when I log onto their website to search for an account with them, it says I do not exist with them Thanks

I had a letter from my bank saying that a cheque for £346 had been paid into my account in error and they want me to pay it back. I understand that I am responsible for this sort of thing but my complaint is that between the cheque being paid into my account and my going on holiday and spending the amount, I did not receive a statement. I am not registered for on-line banking, so simply checked at an ATM machine that I had a good amount of money available before I went. I trusted the balance to be accurate and so went on holiday, spending the money (perhaps I should be a little more aware of what I have in my account). The bank are of course requesting that I pay back the amount and if I must, then I will however, I do feel particularly badly done too, as I had no way of knowing that my balance was wrong, as I had not had a statement.