Bank Error

[khaosuwan]

On Thursday 09 April 09, I had a bank current account available balance of x pounds, but my online bank account showed a zero balance.

 

On Friday 10 April 09, I tried to make an online transaction but my card was declined.

 

On the same day, I sent a secure online message to my bank informing them of the problem I had with the online transaction and they replied informing me that I had an available balance of x pounds and my debit card was still active.

 

Yesterday the 11 April 09, I tried to make an ATM withdrawal but again, my card was declined.

 

Today, I have again sent a secure online message to my bank explaing that I am not happy and am awaiting a reply.

 

Obviously, I am unable to withdraw money from my account or make any online transactions.

 

For your information, my online bank account still shows a zero balance and there is nothing wrong with my debit card.

 

Obviously this is a bank problem and over the Easter period I have been unable to access my money.

 

Due to the bank's error and I able to claim compensation or will I just get an apology on Tuesday.

 

Comments would be appreciated.

[yourbank]

If the account is at £0 is there an overdraft on the account? Are you drawing funds from a cheque you paid in earlier in the week? Still not clear at the moment why you can't use your card.

[khaosuwan]

I have no overdraft on the account and I have not paid any cheques into my account.

 

I honestly believe something has gone drastically wrong at their end.

 

Showing on my online account is a deposit balance of x pounds and an available balance of zero pounds.

 

I am still awaiting to hear from the bank and now it probably wont be until the next business day on Tuesday.

 

Will keep you posted.

[yourbank]

I have no overdraft on the account and I have not paid any cheques into my account.

 

I honestly believe something has gone drastically wrong at their end.

 

Showing on my online account is a deposit balance of x pounds and an available balance of zero pounds.

 

I am still awaiting to hear from the bank and now it probably wont be until the next business day on Tuesday.

 

Will keep you posted.

 

Have you got internet access? Is there any pending payments? Have you telephoned them? Is it a recurring payment?

[khaosuwan]

Have you got internet access? Is there any pending payments? Have you telephoned them? Is it a recurring payment?

 

I have just received a secure message from them in which they informed me that my account and card are both active and they see no reason why I cannot withdraw money from an ATM.

 

They informed me to try another visa ATM. I will try tomorrow.

 

In the meanwhile, I tried to make an online purchase transaction but the company said there was a problem in validating the card.

 

Yes I have internet access to my account. There are no pending payments. I have telephoned their call centre but get the same response. It is not a recurring payment - and so it goes on.

 

Will keep you posted.

[andie_303]

Would you have any payments normally due to leave your account on monday? sometimes backs earmark money so that may be why your available balance is zero.

 

These payments will then show up on your statement as leaving on tuesday.

[khaosuwan]

Would you have any payments normally due to leave your account on monday? sometimes backs earmark money so that may be why your available balance is zero.

 

These payments will then show up on your statement as leaving on tuesday.

 

No payments are scheduled to leave my account Monday or Tuesday.

 

I honestly believe that this is a bank system error thus preventing me from obtaining any money from my account over the Easter break causing me hardship and distress. I'm sure all will be revealed on Tuesday (business day).

 

IF this is the case, no doubt I will get an apology from the bank but can I take further steps in this matter and lodge an official complaint (have all the evidence), with the bank or take this matter further by contacting say the financial omundman or whoever?

 

Today Monday, I am again going to try and withdraw money from an ATM.

 

Will keep you posted.

[khaosuwan]

Still no joy. Tried to withdraw money from an ATM but the card was declined - and so it goes on.

Tomorrow (business day) it will be all back to normal I'm sure.

 

Just the distress caused over the last few days.

[yourbank]

Still no joy. Tried to withdraw money from an ATM but the card was declined - and so it goes on.

Tomorrow (business day) it will be all back to normal I'm sure.

 

Just the distress caused over the last few days.

Have you checked with your bank whether there is any issues with regards to the actual card itself?

Does the internet banking say available funds is £0?

And does the account have a balance not available to you?

I am still no better in understanding what is causing the problem.

[khaosuwan]

Have you checked with your bank whether there is any issues with regards to the actual card itself?

Does the internet banking say available funds is £0?

And does the account have a balance not available to you?

I am still no better in understanding what is causing the problem.

 

There is definitely no issues with the debit card.

Internet banking is zero pounds AVAILABLE.

Internet banking is so much pounds ON DEPOSIT.

 

There is no question that I have more than sufficient available (CLEARED) funds in my account.

 

Yes, something I cannot understand also. All will be revealed tomorrow, I'm sure.

 

Will keep you posted.

[yourbank]

You will need to go into a branch of your bank because your card will still not work tomorrow(cos of the bank holiday, not much will change from today). Please post up what information you do get cos I am puzzled in all honesty as to the reason why you cannot draw on the funds.