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paulandgayle07

HBOS screwed up account closure

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HI everyone

 

OK

 

On friday past i went into my BOS branch in town and closed my account - below is what happened.

 

1 - spoke to man behind counter - made him check that no DD were coming out of my account and that no money was due to be taken

 

2 - man agreed nothing was due out and i wasnt in debt

 

3 - man showed me forms to sign to close account - i read and signed my name - he showed me another form - £8.99 in cash to be returned to me.

 

4 - cash of £8.99 given - slip signed - account closed.

 

5 - me happy to be rid of them!

 

 

Nope ............

 

Today i recieved a letter saying that i am overdrawn by £6 and i will be charged a £35 fee on 30th september.

 

1 - account not in arrears - account at £0.00 when closed??????

 

Phoned up telephone banking - they said that on tuesday i had £20 come in - i agreed.

 

£8.99 for pizza hut

£10.00 for money

 

Now - i know HBOS takes about a year for Autopayments to come out propery but even the woman told me that on account closure i was £2.88 in credit.

 

She basically said that the man didnt tell me everything and she would do nothing to help me!!!!!!!!!

 

I told her about the £8.99 the man gave me - she told me i needed to speak to that person directly or his manager as its obviously a mistake but i would still be charged the £35!!!!!!!!!!

 

Now - im going into the branch tomorrow to speak to the manager and get this sorted out as it just proves the incompetence of HBOS, but should i go in armed with anything?

 

They obviously have all the proof on the systems and i can demand a SAR and further action - anyone had this kind of problem????

 

help!

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No is the answer. I think you need to go into the branch and explain that clearly there was an error from the person in the branch and you would like them to refund the £35.00 and close the account as you are not going to use the account ever again.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Hi

 

well the branch in question is a little out of my way and since this is a matter in BOS - i should be able to go into any branch and get this sorted.

 

Obviously im not paying any charge - i have a hardcopy of all charges in last 10 years from them, but surely im a winner in this argument as it was obviously bank error!

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Hi

 

well the branch in question is a little out of my way and since this is a matter in BOS - i should be able to go into any branch and get this sorted.

 

Obviously im not paying any charge - i have a hardcopy of all charges in last 10 years from them, but surely im a winner in this argument as it was obviously bank error!

If it is not the branch that you closed the account then they cannot resolve it immediately without investigating it so the other option is a letter in writing to the branch manager directly of that specific branch.


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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Ah - oklies!

 

Better to go into the branch then and speak to branch manager!

 

Ok - just hit them with parking ticket for the cock-ups!

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Ah - oklies!

 

Better to go into the branch then and speak to branch manager!

 

Ok - just hit them with parking ticket for the cock-ups!

 

Just simply say that this happened and you would like them to refund the charge and shut the account since the employee told you that there was nothing due out and got you to withdraw funds which subsequently drew the charge. If it was a payment out of the account then ONLY pay what you have spent rather than charges on top or interest. Does that make sense?


.

FSA Waiver on Bank Charges:http://www.fsa.gov.uk/pages/Doing/Regulated/Notify/Waiver/pdf/dir_quart_0709.pdf

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3 - man showed me forms to sign to close account - i read and signed my name - he showed me another form - £8.99 in cash to be returned to me.

 

4 - cash of £8.99 given - slip signed - account closed.

Presumably the branch will still have these, which will support your case, (unless, of course, they have mysteriously been 'mislaid')

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