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    • If the OP follows king’s advice and then the neighbour’s roof leaks, who do you think the neighbour will blame? a) the dodgy “roofers” (who will be long gone), b) the OP for “damaging a perfectly good repair” (even if they don’t damage it, and it wasn’t a good repair!), or c) someone else   King may be technically correct, but the OP following their advice isn’t likely to end well if the neighbour is already ‘difficult’. 
    • I sent a SAR. which also provided a copy of proof of ID, last month to Northumbrian Water, and received no reply whatsoever.   After the 30 day deadline passed i sent off a complaint form to the ICO and sent a letter of claim to NW for breach of statutory duty. (As up until today they had failed to respond in any way to the request that was made)   Today i received a reply saying the my ID wasn't in the standard format and they could not accept it,   (The exact same copy of ID has not been an issue before and the exact same image was accepted perfectly fine by a previous energy company i SAR'd), and that they required i give them 2 forms of I.D, 1 from list A and from List B Along with questioning the alternative address like i mentioned above.   I wanted the request to be sent to the alternate address, as i work full time and i'm not always at my home address, i'd most likely not be in at a time when it can be delivered and can't get to the delivery office easily enough before it would be returned back undelivered. (Which i wanted to avoid happening again as this happened to the last SAR i made.) The address is my partner's address, where i regularly go and who also works from home and wouldn't have issues receiving/collecting mail.
    • yes they are entitled to query...GDPR applies   full story please don't play secret squirrel        
    • Hi,   I received a reply from a SAR I sent today (This was only after I sent a Letter of Claim as the company failed to reply or acknowledge the SAR in any way, though that deserves its own thread)    In the SAR I asked for my request to be sent to an alternate address, In the response they asked for clarification as to why I requested this.    Provided that the company has been given enough proof and information to verify my identity would I need to provide this reason for them to process my request? 
    • Following a six month battle with a supplier concerning the purchase of a faulty item which resulted in the submission of a case to money claims on-line & mediation, an agreed settlement was reached & part of the settlement involved me having to arrange, return & pay the necessary charges to return the faulty item to the supplier/manufacturer. On receipt of the item they would within seven days refund the agreed settlement figure together with the costs of the postal/courier fees.     A contract was taken out with Parcel Force on line, 24 hour express delivery according to the information that is given when entering into this contract, the customer will receive up to date tracking of their parcel together with a message alert when the parcel reaches its destination.   Parcel was picked up as promised   when checking the tracking some 24 hours later the parcel had still not been delivered nor had the tracking.   A number of telephone calls were made to Parcel Force where I was told that my Parcel was at the National Hub but had been delayed due to a malfunction & could I check back later that evening.     Following morning I checked the tracking & it still read the same.   Following several telephone calls I have been informed that they are unable to confirm whether the parcel has been lost,   the exact location of the parcel & whether it will be delivered.     I submitted a claim on line to Parcel Force on the morning of 19th June & to my astonishment when checking the status of the claim a number of hours later have discovered that they have closed my claim.     Status says rejected - claim passed to online team.     Due to the situation of this parcel having to reach its destination as soon as possible I want to pursue this matter via a money claim online process.   I would also like to add that I did not take out an insurance with Parcel Force as I naturally & genuinely assumed that they would fulfil their contract & deliver the parcel as promised.     I feel that I am being given the runaround every time I speak to them   am very keen to commence action against them as soon as possible.     Any advice would be gratefully received & sorry for the long winded post.  
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    • My personal experiences of Future Comms 
       
      Don't touch them owe me £500 since January 2019 make excuse after excuse. Seem they always have software problems sending money out. Keep saying they will call back or email nothing been chasing it now for 6 mths the phone staff always have the same banter we will chase it up and get back to you then nothing!
      • 0 replies
    • Future Comms is a Big Con. How to get out of it. Read more at https://www.consumeractiongroup.co.uk/topic/417058-future-comms-is-a-big-con-how-to-get-out-of-it/
        • Like
      • 4 replies
    • Future Comms issues. Read more at https://www.consumeractiongroup.co.uk/topic/416504-future-comms-issues/
      • 5 replies
    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
Roctiv Werdlem

TSB - Living in the dark ages?

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Recently had a direct debit presented to my TSB account when there were insufficient funds.

 

 

However, I knew that a BACS transfer from my employer (they had short paid me this month) was to reach the account the next day.

 

I rang TSB and explained the situation,

they stated that "they couldn't see inbound payments, regardless of where they are coming from"

I don't understand this at all because under the BACS scheme, the fund would have been already with TSB

ready for payment to my account the next day!

 

 

Indeed every bank I've previously had an account with has always been able to see an inbound BACS payment the day before.

 

I then asked if they would consider making the payment and

they told me that I didn't qualify for an overdraft and there was no flexibility there (computer says no syndrome)

 

I then asked them to confirm for certain whether or not the payment would be returned,

to which they told me they couldn't and it was "up to the computer" later that afternoon?!

 

Surely it's not unreasonable for me to expect the bank to be able to tell me for certain whether or not

they are going to return a payment?

 

 

Had they confirmed for certain, i would have cancelled my meetings that I had scheduled

and borrowed the funds from a colleague and taken them to the branch by hand to pay in.

However because they couldn't tell me I decided to take the chance..

. Obviously it didn't go in my favour!

 

My question is, are TSB talking rubbish about not seeing BACS payments

and not being able to tell me if they are going to make a payment or not?

 

 

All seems very 1990's to me and a world away from my experiences of First Direct / HSBC

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Complain......................................... Simple.

 

I did on the day, spent an hour on the phone to them! Got a letter through the post today just saying "tough, we've done nothing wrong etc etc "

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BCOBS complaint

 

 

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With a BACS Direct Credit the funds are only exchanged on the final day.

The banks do get notice of the transfer the day before. But at some banks the customer-facing staff do not have access to this information because the payment information is still subject to changes/recalls.

 

Decisions to return payments are made according to your individual circumstances at the time. So if they hadn't made a decision yet it goes without saying that they wouldn't be able to tell you in advanced.

 

Technically TSB hasn't done anything wrong. But most banks are sympathetic to these first-time "offences" so if you politely explain what has happened in branch or over the phone (without making a formal complaint) I'm sure they will be willing to refund the charges.

Edited by KSmith82

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