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    • You're like, super helpful and unhelpful at the same time lol.   What do I search for, I searched form 4, and nothing, I searched claiming compensation and nothing about this.   I can't find the top squares logo.   Can you post a link or tell me what to search.   Sorry if I'm slow.
    • use our custom google search box  click our top squares logo it should appear on that page   dx
    • Apologies, I haven't used a forum for years!!   I defo wish to keep the 2 issues separate, sorry!   My only issue I need help with is the increased compo for marstons - if possible.   I don't know anything about claiming compo etc. (I only recently found out one of the NHS biggest costs are NDA payouts)   I don't know what form 4 is; so far, they've offered £250 and I haven't accepted or denied it.   So yeah, can you forward me to some more info?   Also, usually I'm good at google etc. but I can't find many stories on this stuff, regarding PCN/TFL etc.   Thanks again!
    • ok things are getting clearer...   I've merged 2 of your posts for clarity and removed the swearing, (behave please) I've also taken down the two images you posted should you wish to post things up please use PDF so we can zoom easily and don't forget to redect them read upload carefully.   I think you need to continue to keep the two thing sep. those being increased compo for marstons- if possible ( if you are raising a form 4? complaint through the court - it might be better you don't? - they are very hard to justify and can be costly - so the fact it might not be moving forward could be a good thing, but listen to others here too) and the issue of the PCN wasn't justified - which you need to further expand on please.   the more info you post up the better please but please use multipage PDF files only and carefully redact them    
    • Thanks for trying btw! It's kinda in 2 parts.   1 is that the PCN wasn't justified in the first place and I wasn't aware it had escalated. I received the initial fine from TFL which I challenged and heard nothing back from (for 5 months). Then another letter from a separate PCN which made me email TFL to inquire what was going on but again, heard nothing back.   (BTW I can see how confusing this is so thanks again for trying)   So, I had no idea my car was at the risk of being taken - that's the first part.   No 2. is:   I got a phone call saying my car was on the back of a truck round the corner from mine (they hadn't left any notices or anything, and the car was parked directly outside my house). My friend said they were attaching the straps and securing it to the van (so I think they got it on the back of the van and moved it before securing it).   When I ran round the corner I saw the EA's van. I went upto it and asked what was going on. He was rude and told me to go away. Then after I kept knocking he got out the van and was aggressive and refused to ID himself or tell me why he had my car.   He shouted at me, was rude and unprofessional, he then left with my car. I complained to Marstons and asked for the bodycam footage.   They gave me the footage but it was clearly edited and cut short (because in the beginning of the footage he was the most aggressive).   They then told me he wasn't required to have the camera turned on when he's in the van, only when he's 'actively pursuing a warrant' and I was only allowed the footage I was in. (which is 2 different things) So I asked them to clarify which is true.   Anyway, I reviewed the footage and sent in my complaint (talking about what happened in the footage) They replied and said they watched the footage and disagreed with everything I said.   So I wrote a more in depth response with the CIVEA code to reference + the TFL EA guide etc.    Then they asked for more time, called me and finally apologised and admitted he had acted untoward and was in the wrong.   They then offered me the goodwill payment.   This has taken up weeks of my time, caused me serious trauma and PTSD and even after I complained WITH video evidence, they still initially denied it which means they officially lied, on record, while representing TFL.   I told TFL what was happening they said I had to continue with Marstons etc.   £250 goodwill isn't enough, the car cost £800 to get out, the suspension is messed up and I'd like to claim compensation for everything.   I don't know if that makes me sound like i'm money grabbing or whatever but they shouldn't be allowed to get away with it.   The police had to come before they could call an ambulance cause I was having a panic attack and it was a HORRIBLE experience.    So any help would be great please    I have the whole file from Resolver in a ZIP file but it's a lot of writing and I think you've read enough of my writing to last a life time!   I did a statutory declaration of OOT, got it signed by the court etc. but it was rejected.   I then tried to take them to court but it cost £250 I think which I don't have. You can get it for free if your low income but they wanted bank statements that I couldn't get. They're waiting for me to reply with documents to get a free court date.    did you receive any of the pcn's - was that why you appealed? - Yes, sorry!   unless it's trying secure a greater level of compo from marstons? - Yes, sorry!   For the record I just saw this pop up, read it and now feel much less guilty about my enquiry!
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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

 

 

dx


please don't hit Quote...just type we know what we said earlier..

 

if everyone stopped blindly paying DCA's tomorrow

the biggest financial industry in the UK, the whole DCA industry would collapse overnight.

 

 

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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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