Charge in retaliation HBOS now a cashcow

[stevesj]

good old HBOS - I now use them to pay certain bills as they sneer at me and use their electronic notepad to say "you've reclaimed charges before".

 

Over the last twelve months I've incurred charges because the "system" has to be credited 24 hours before a DD is to be claimed. Apparantley it goes out at 3am on the day it's due I was told it's in my terms and conditions (, not during normal banking hours (9:00am - 5:00pm). I ensured that i electronically credited my account before 8am yesterday to meet a DD due out that day.The terms and conditions don't say pay in before three am!!! (in fact they don't say to meet a DD you have to credit the account 24 hours in advance).

 

It failed to go out (for £25), and the ***!$% charged me £35!

 

I telephoned them when I got home, checked my email for the letter and asked politely for a refund.

 

After 30 mins on the telephone and 10 of them whilst the operator checked the note pad, I was told quite categorically that because i had had refunds before, he could give me this one.

 

In the background laughing and jollity - another £35 to the staff party.

 

I told him in no uncertain terms, that he was being extremely prejudicial and that I was going to reclaim that, and the previous £120 worth of charges back. He said I couldn't because I'd taken the last lot as a goodwill gesture - What planet is he on!

 

I put the phone down, thinking maybe I'd talked to the cleaner maybe......

[5layer]

Hi Stevesj,

 

Do you think that because you have claimed the charges off of them before, that they are intentionally making it more awkward do deal with them.

[stevesj]

I can't prove it, but am sure that when they see my "history" they use it as a tool to be downright awkward.

 

i can see them be very petulent.

[qwerty101]

it does not state any times in the terms and the conditions, but it does state the funds need to be available the day before hand