PO returned as bank cannot accept it!!!

[alanfromderby]

This is one of two posts on my reply from Bristol and West (which is shown in full on my progress thread):

 

I have today had my £10 postal order returned from Bristol and West, who state: "unfortunately we are unable to accept the payment by postal order....request that you forward a cheque made payable to Bristol & West plc in replacement as soon as possible".

 

They go on to say that they will respond to my claim 40 days after they receive "correct payment".

 

The woman in the post office could not believe it, and I must admit I was wondering if it was an April fool joke, but since the letter is dated 30th March (and B&W has no sense of humour whatsoever) it seems to be genuine.

 

Any thoughts?

[Seminole]

They really don't want to help you do they?

 

I don't know the answer to this but hopefully someone will be along who does.

[Maxie]

Put in a formal complaint to the IC and make an issues of it when you make a claim in court. You have tendered a lawful payment which they have reject for not good reason. This is just arrogance of the highest order so take them to task!

[alanfromderby]

"Arrogant" is a word that I have used on many occasions when recounting the things that B&W have done over the past few years.

 

It reached the stage where they would reissue the possession order they have held over us just for us going about £350 in arrears - usually this had been caused by them demanding arrears and charges from us a couple of months earlier!

 

They have made our lives hell, and have no regard for the mortgage code - and they have got away with it because they are able to proverbally wave the deeds of our house, and say pay-up, or say bye-bye to your house.

 

When this is all over those deeds will be ours!

[richardc]

They will accept when you pay into your account - it is legal tender.

 

Not an answer I know, but it might be wortha phone call - and tell them the call is being recorded for quality and training purposes. The answer might be interesting.

[alanfromderby]

Thanks for your reply.

 

To be honest it is not a major issue at the moment as they have refused to provide the info under DPA anyway. After getting some advice from bankfodder I am challenging them to provide the reason for the DPA refusal, and then intend to continue with the reclaim process - if necessary, on an estimate.

 

After that is completed, I have an outstanding complaint which I intend to escalate to the Ombudsman. The DPA refusal, and the postal order debacle, will be added to that complaint.

[alanfromderby]

Just come off the phone after talking to the Information Commissioner's Office, and they have agreed that this appears to be obstructive action.

 

They have advised that I should inform B&W that they have no grounds to delay the process as this is a legitimate form of payment, and I should also make a complaint to the IC.

 

1-0 to me I think.

[BankFodder]

Are you able to get this advice in writing from the IC?

 

If you can then I owuld suggestan immediate action under the DPA for their breach. you can bring it as a small claim in the county court.

get the IC's advice in writing.

one LBA giving 7 days and then the Good News.

 

I would move very quickly - if you have the energy for it.

[alanfromderby]

Unfortunately, B&W have backed down and accepted that it was a "correct" payment - they have said that their system does not allow them to process PO's and have asked for a replacement cheque, but they have conceded that the date of the DPA is to run from the date the postal order arrived.

 

Actually, I got them to back down on refusing the DPA as well, by quoting case law at them. For full info see:

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=2424

[planetparker]

Hi - sorry I'm new to all this. I noticed in your signature 'DCP Disclosure offence committed - now unenforcable' re Beneficial Bank - what does this mean?

 

Thanks

 

Janet

[solidstan1]

Think Its a win in alans favour.

check it out here!

 

http://www.consumeractiongroup.co.uk/forum/showthread.php?t=6048&highlight=Disclosure+Offence

[alanfromderby]

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