Jump to content


  • Tweets

  • Posts

    • Thank you for the reply.No, he still lives there.   
    • What I would love to know is whether anyone has gone the small claims route for infringement (failing to supply all the data)...I'm going to start a fresh thread asking this now.... By the way, my former employer asked for a £900 fee to find all emails with my name included in them. I have had a rather tumultuous 11 months since then but am now back on this so will report them to the ICO tomorrow. 
    • might have been the same address althrough the mortgage but has he moved since?   if not doesn't need ctax copy.    
    • Also, I use 'Live chat' with the ICO and it's really helpful. They advise that it can take up to three months for them to investigate...but it is hugely beneficial to go to court with that judgement behind you! Best to be safe than sorry!   I had this helpful post from mrabody on my other thread regarding quantifying compensation: Take a look at Halliday v Creation Consumer Finance Limited. The claimant was awarded £750 for distress for what the court held to be a minor breach.    https://www.hempsons.co.uk/news-articles/damages-distress-awarded-breach-data-protection-act/   In your case I would suggest the breach is considerably more serious as HSBC has lost your data.   They think it may have been destroyed but they have no proof. The fact is they have no clue as to where it is or who has it.   So in addition to the potential loss of your PPI refund I think the distress component is considerably higher than in Halliday. How much higher I cannot say - but you need to start canvassing the case law on damages for distress.   
    • Hi King 12345,   I'm running a similar thread (but haven't used the word punish...but I guess I should have, Lol)   I've been doing a lot of research on this and I will post two items that you may find of help. I believe they have 'infringed', rather than 'breached':   Link here, text below: https://gdpr.algolia.com/gdpr-article-82 Art. 82 GDPR Right to compensation and liability Any person who has suffered material or non-material damage as a result of an infringement of this Regulation shall have the right to receive compensation from the controller or processor for the damage suffered. 1Any controller involved in processing shall be liable for the damage caused by processing which infringes this Regulation. 2A processor shall be liable for the damage caused by processing only where it has not complied with obligations of this Regulation specifically directed to processors or where it has acted outside or contrary to lawful instructions of the controller. A controller or processor shall be exempt from liability under paragraph 2 if it proves that it is not in any way responsible for the event giving rise to the damage. Where more than one controller or processor, or both a controller and a processor, are involved in the same processing and where they are, under paragraphs 2 and 3, responsible for any damage caused by processing, each controller or processor shall be held liable for the entire damage in order to ensure effective compensation of the data subject. Where a controller or processor has, in accordance with paragraph 4, paid full compensation for the damage suffered, that controller or processor shall be entitled to claim back from the other controllers or processors involved in the same processing that part of the compensation corresponding to their part of responsibility for the damage, in accordance with the conditions set out in paragraph 2. Court proceedings for exercising the right to receive compensation shall be brought before the courts competent under the law of the Member State referred to in Article 79(2).
  • Our picks

    • 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
    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
Max1968

Barclays make a hash of new account for my Mum and won't give her a cheque book, any ideas why as I'm flummoxed!??!

style="text-align:center;"> Please note that this topic has not had any new posts for the last 265 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

Recommended Posts

My 82 year old mum hasn't been too well recently and her local Nat West Branch has closed down and the new one is a nightmare for parking and she doesn't walk too well.

 

She also got caught out by a phone holiday spoof to the tune of a few hundred quid and became paranoid about the company knowing her account details so we decided that maybe a change to a new bank was a good option.

 

Barclays is my and my sisters bank as well and as difficult as it is to talk about if something happens to mum before it happens to me we theorised that if we are all at the same bank things would be easier to deal with, but it has all become a bit of a disaster!!

 

We had a meeting with an advisor who looked into it and after doing her bit on computer stated that mum qualified for a basic account which would not include an overdraft or the option to loan.

 

To be fair mum has plenty of money in her account and gets very good pension and investment returns so the need for an overdraft or loan is highly unlikely as her balance stays pretty much the same each month and it's far higher than my balance is!!!

 

The one thing the advisor forgot to mention though was that mum wouldn't get a cheque book and I wouldn't have know that anyway being a Barclays Current Account holder since I was in my teens!!

 

This was only brought to our attention over a week later when I rang Barclays to ask because mum mentioned she hadn't received one, which we obviously thought was the norm, but was told that she couldn't get a cheque book for a basic account.

 

We then went back for a meeting because this was baffling.

It then became clear that mum had been declined a current account (hence the basic) but the reason for why she has been declined is unclear and apparently the advisors do not get told the reason so obviously the customer cannot argue against it.

 

The advisor to be fair did apologise profusely for not explaining clearly and for forgetting to mention the cheque book and said the reason could be something to do with a credit score.

 

I've however checked mums credit score on Experian and it was 999.

She has no debts, mortgage paid off years ago, no loans taken out for years if ever as far as I know, plenty of cash in the account and has never had an issue getting credit cards, of which she pays off in full...… Could this be the problem?!

 

The annoyance is that mum relies on her cheque book and is in a muddle and is having to either get me to send cheques for her or she has to withdraw large amounts of cash.

 

The bank suggested waiting a couple of months and when they have seen how the account is managed and that Barclaycards have been paid off etc then they can reapply for a current account.

 

If it is still declined then the only option is to go back to Nat West who have already said she can have a current account with cheque book like she did before, but it will obviously be a pain switching once again and I suspect all of the Direct Debit companies will be baffled as to what is happening!!

 

Barclays have also made a mess up with statements as well with mum not receiving one statement in the two months since the account opened so I am chasing up that as well

 

mum called Barclays Head Office last week and the guy on the phone couldn't understand why she hadn't been given a cheque book so we will wait and see if he gets any joy, although I would say probably not!!!

 

So any ideas as to why this happens?

Especially as I as an 18 years old got a current account without an issue and with probably no job at the time albeit 35 odd years ago!!

 

It seems bizarre especially as they hide the reason.

I am wondering in part if it's because she is a retired widow so upon first check they may not have known what monthly income she would be receiving but they would have seen from the account surely?

 

Help massively appreciated.

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites

The use of cheques is declining as more and more people switch to using credit/debit cards and online transactions. Banks incur considerable costs in processing cheques, and would probably like to do away with them altogether. That said, I'm surprised that your mother was only offered a basic account. Perhaps worth pinning down the branch manager and demanding an explanation ?


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

Quote
No... you can't eat my brain just yet. I need it a little while longer.

Share this post


Link to post
Share on other sites

Thanks Mr P.

Yep I only send the odd one these days myself but older people still use them and mum prefers to use them for things like her freezer man, gardener, paper bill etc.

 

Ironically only one of them now brings a card reader with them so they are a bit behind the times as well. To be honest with all the potential s.c.a.m.s. about I am relieved mum doesn't use the Internet and Internet Banking.

 

The older people will inherit the earth though when the internet and mobile phones blow up as they still use cash, paper and pencil!!!

 

It's getting to speak to the manager that will be the issue as it's all machines now, although I might call Head Office themselves although they probably won't speak to me as I am not the "account holder".

 

That annoys me as well, to talk about mums account I need Power of Attorney (which we have for future possibilities) but I don't want to do that now as it takes some of mums independence away. They need something a little lighter so you can talk about things like statements or cheque books!!!!!!

 

Can your credit history be "too good" ie if you haven't been in debt you have no history of paying it off?!

Edited by dx100uk
Spacing

Share this post


Link to post
Share on other sites
It's getting to speak to the manager that will be the issue as it's all machines now, although I might call Head Office themselves although they probably won't speak to me as I am not the "account holder". That annoys me as well, to talk about mums account I need Power of Attorney (which we have for future possibilities) but I don't want to do that now as it takes some of mums independence away. They need something a little lighter so you can talk about things like statements or cheque books!!!!!!

 

If you get your mother to set up what they call a "third party mandate", you will be able to discuss the account with (almost) anyone at the bank. I had one set up on my mother's accounts which also gave me the authority to sign her cheques amongst other things. Your mother would probably need to go into the local branch to set it up and sign the paperwork, but it does not mean giving up her independence as she can revoke the mandate at any time.


PLEASE HELP US TO KEEP THIS SITE RUNNING

EVERY POUND DONATED WILL HELP US TO KEEP HELPING OTHERS

 

 

Quote
No... you can't eat my brain just yet. I need it a little while longer.

Share this post


Link to post
Share on other sites

Probably down to no line of running credit on her file

 

Co-op do a cheque book account still


PLEASE DONT HIT QUOTE IF THE LAST POST IS THE ONE YOU ARE REPLYING TOO.

MAKES A THREAD TWICE AS LONG TO SCROLL THROUGH!

please do not post jpg images directly to a topic..USE PDF ....READ UPLOAD.

 

WE CAN'T GIVE ADVICE BY PM - IF YOU SEND ME A LINK TO YOUR THREAD - I WILL BE HAPPY TO OFFER HELP THERE

Single Premium PPI Q&A Read Here

Reclaim mis-sold PPI Read Here

Reclaim Bank Account, Loan & Credit Card Charges Read Here

The CAG Interest Tutorial Read Here

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...