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PO returned as bank cannot accept it!!!


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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?

Alan, Derby, UK.

 

 

 

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Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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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!

The law maybe reason without passion as Aristotle said, but hey, he said nothing about having fun when getting even!

 

Opinions given herein are made informally by myself as a lay-person in good faith based on personal expereince. For legal advice you must always consult a registered and insured lawyer.

 

 

Reputation Points Always Welcome

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"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!

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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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.

The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread.

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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.

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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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. :)

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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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.

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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

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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  • 2 months later...

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

______________________________________________

Capital One - DPA sent 13/06 (MCard) - have acknowledged DPA request, say they will send info shortly....

Egg - DPA sent 14/06 (2 Visa Cards) - standard request for identification document received in response to Data Protection Act

NatWest Current A/C - DPA sent 15/06 -initial estimate of claim is £4,358 plus interest (to be calculated) :-D

Morgan Stanley - DPA sent 15/06 (Platinum MCard) - have cashed my £10 cheque...no statements yet...

MBNA - DAP sent 15/06 (Visa and MCard) - acknowledged

Barclaycard - DPA sent 15/06 (Visa and MCard) - acknowledged

Bank of Scotland - DPA Letter sent 16/06 (Loan)

Beneficial Bank (HFC) - DPA sent 20/06 (Visa)

RBOS - (Visa and MCard) - DPA sent 23/06

Natwest (Visa) - DPA sent 23/06

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  • 12 years later...

This topic was closed on 03/07/19.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group

Alan, Derby, UK.

 

 

 

PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

 

 

 

________________________________

 

Sorry, but I cannot deal with your case by PM - please ask questions in your own thread. If you do not get a reply within 48 hours send a PM, with a link to the relevant thread, to any Site Team Member.

 

DO NOT SEND QUESTIONS ABOUT YOUR CLAIM TO ADMIN, or our WEBMASTER - YOU WILL NOT RECEIVE A REPLY.

 

Advice given is purely my opinion, and is not based on any legal training.

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Please note that this topic has not had any new posts for the last 5281 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

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