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    • Ok they owe me overpayments on the account. But. Can’t find out how much because they are refusing to send me statements of the arrears that didn’t exist and I have that in writing with them saying that because i have missed payments they are refusing to send them. ( I haven’t missed any payments) on another note this has  got to be the most useless bank in the U.K.  they have just sent a revised payment for my mortgage which incorporates my arrears (that don’t exist) but with no breakdown. I know they have done this because I have spoken to Barclays member of staff who confirmed they had done that and he was surprised it wasn’t explained in the letter. Incredible  incompetence. Fortunately I recorded the call. 
    • Thank you that makes a lot of sense. I don’t need them in future unless I wanted repairs on this machine but I wouldn’t trust them now anyway. Am I able to contact you directly about this in the week when I’m quiet in the pub? 
    • yes sorry it might be ok    you will file it via MCOL say friday like everyone else has in those threads.    
    • First of all, liability is completely with the seller. Not only that, because the seller assessed the situation and specified a particular solution for £2034, that is all you should have to pay even though it now turns out that the equipment you need is more expensive. In other words, there is no reason why should have to pay a single penny more than the original agreed or expected price. A contract is an exchange of reasonable expectations. Lumb expected to receive £2034. You are expected to receive a solution to your glass washing problem. He did not contract for a specific machine. You contracted for a specification which you were informed by an experienced professional would satisfy the needs of your business. You paid 100% – but you received in exchange less than 100%. Even though the required equipment might be more expensive than that which was specified, if that's what it takes to provide the solution that was promised to you by Lumb, then that's what you are entitled to get and you shouldn't be required to pay any more for it. Please let me know if this is getting a bit too technical in legal terms. I understand that the moment that you don't have an adequate glass washing machine. Clearly for the sake of your business, you need to get this issue resolved quickly. If you hold out and have an argument about money which has to be paid or not paid et cetera then you may well find yourself several months down the line without the last washing machine that you need. You may well find that you will have to sue Lumb on the contract that you made. Obviously you are better placed than me to understand what you need and what you can afford, but I would recommend that the best thing to do is to pay whatever Lumb demands at the moment in order to get your existing glass washing machine exchanged for the model which addresses your needs – and effectively provides you with the solution that you paid for in the first place. Then afterwards, sue Lumb for the money back. We'll be happy to help you. I would rate your chances of success at better than 90% in the County Court. An added advantage of this is that once you have the new machine in place, you will be able to assess its effectiveness and its adequacy to your needs – on the off chance that also has been under specified. Handling it this way will have the advantage that you will have a new machine installed probably in a week or so, you can get on with your business, and then you can embark on a reasonably cheap piece of litigation because the amount of money that you will be suing for won't be too great. The alternative will be to stick with your existing machine, having to put up with the inconvenience et cetera and then eventually suing Lumb for a much larger figure – the value of the replacement machine. An additional advantage would be that if you are suing for smaller sum, then it is much more likely that Lumb will put his hands up and pay you out because it simply won't be worth his while digging in on a dispute with only a few hundred pounds. Of course you can't guarantee this. Some people take this kind of thing personally and they try to resist even though it makes absolutely no business sense at all. If you want to do this, then you possibly need to flag up to lump that you're prepared to go along with what he is insisting but also make it clear that you're not happy about it. You certainly shouldn't sign anything that says that you agree this in settlement of all disputes. Or anything like it. If you end up being presented with something like that then let us know. But probably that will mean that you will have to sue for the new machine with all the business inconvenience that that entails.   Of course if you feel that you need to retain a good relationship with Lumb because of possible future dealings, then you may need to consider your entire approach to this problem. Another part solution might be to threaten Lumb with an action for all of the excess costs of the new machine plus the engineers visit – and then back down and agree to pay the entire cost of the new machine as well as he will forgive the engineers visit. This is a compromise that Lumb might find attractive because he will be able to save some Face. Often it's all about Face. Frankly if you think you don't need the guy in the future then I would be going for the lot – but you know your own business interests better than I do. Does this make sense?  
    • Ok another update and its all rather confusing, ive been trying to work this out for hours now and I cannot make any sense from it all.   Apparently the meter was put in on the 1st of April, I was sure it was July. However what makes sense is that I gave a reading in August, which I thought was for the month but it was for the quarter. I must of written it down wrong for a monthly reading, when it should have been written down as a quarter reading. I may have wrote the date down wrong when to read the meter.  However I do know that I contacted bulb a week before the meter went in, that I am very sure of. Which would of been about the 27th, They have it registered that I gave a reading on the 29th of March. However they have an opening reading from the 12th of March.    Im confused with that date as I know I contacted them a few days before and they put the meter in as an emergency and was definitely done the following week. Despite my memory being shot at the moment I do have some dates written down and the date of the change is on my meter. However its a little hard to read, it does look like the 1st of the 4th but it can also look like the 1st of the 7th. I was with 2 previous companies so July would make better sense. I moved into the property mid January, EON was the provider and I changed that within the first month so would have been February, then I went with OVO and changed them as they couldnt provide the normal meter for about 6 months at the time so changed to Scottish power. I know I was with them for at least a month before I contacted Bulb as they also couldnt change the meter to a credit meter.    So April doesnt seem to fit here. Im still trying to find any paperwork I might have to verify all this but I know everything was done via phone and online. I wish everything went back to paper bills, it was so much easier to try and trace back.    Anyway they have done a closing account for the prepayment and im a little confused at this.   The charges from the 12th of March 2019 to the 4th of April 2019 are £376.91.     Now I know that there is no way I put this amount in the prepayment meter. I had no heating on in that month, I remember it was such a mild Spring and I rarely had any heating on as this bungalow is very well insulated. The most I topped up in just one week was £25. So how they can justify that amount, I cant even guess.    Im worried they will use this amount to estimate my usage. I still cant get to read my meter, even if I stand on a ladder as its so high up and it just looks like a bunch of zeros, Ive even taken a photo but it still looks like a bunch of zeros, even when blown up. It was hard to balance on a step ladder as it was with one hand trying to take a photo, so not the best.   Ive managed to get into a link they sent me, its a portal. The balance is showing nil owing. and there are no statements showing.    So basically all they have sent is a closing balance on the prepayment meter and log in details for a portal with zero balance. Ive requested the meter be read. Which I keep asking for, but my landlord will come and try read it for me so I can send it.  Im just worried when I do im going to get such a large bill I cant pay. These people just seem so elusive on what I should do despite asking these questions. The only answers im getting doesnt seem to make any sense.    I know its partly my fault, I should of kept at them, but its not been an easy couple of years. 
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Santander & a regular Incoming faster payment from USA keeps getting held for "extra checking "

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Hi new here. 


Appoligies in advance if this is the wrong place. 


So I have an issue with my bank.  I recieved a faster payment from a source that iv recieved payments from before Many times before without issue. 


Theve suddenly started withholding my funds with the excuse of its being withheld for extra security checks, its randomly done occasionally and by law we must do so. By law, ok, fair enough but this is now a trend, everytime I'm receiving money from The same source , unchanged always the same, they keep withholding the funds every time. Yet this is supose to be random. 



From previous, payments always credits after 24 hours, my gripe is that why are they constantly "extra checking" these payments when theve always been going in no issue or fine after there checks. Is there not a way they can mark future payments as fine to avoid all this nonsense.  


I hope iv explained this OK. Just very frustrated as I'd planned to take my autistic child out today now I can't, explaining this to him won't go down well. 

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Posted (edited)

Are these international payments?


Could they be triggering an initial “anti-money laundering alert”? (That then isn’t felt needing to be followed up once the initial trigger gets looked at).


In terms of it preventing you going out with your child …. If it is part of a pattern, perhaps plan for that expectation, so then don’t rely on the funds the same day?


You can also ask the bank if they would consider you providing additional “Know Your Customer” (KYC) info regarding you and the source of the funds, to limit the risk of these delays?

Edited by BazzaS
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Hello and thank you for your reply. 


Yes these are payments from USA.

( twitch interactive. A fairly well known place. )


What is the KYO what would I say to them? 


The trouble is, some of these payments never get withheld but its been happening alot now, this would be the 6th one in a row to be held at seemingly random. It's incredibly frustrating, the woman on the phone said but u have £xyz in your account which I felt to be personal, I informed her that that money was due to come out for a food delivery on Monday. 



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KYC : not KYO, and not an organisation.


it is information you provide the bank by which they “Know Your Customer”

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Satans Bank - Lets see here. International payments are a higher risk than payments in the UK as they need to be properly vetted.

Whats the amount if you dont mind me asking? KYC can be a bit funky. You could get around the issue I guess with something like Transferwise maybe? 

Dont know what the cost is to send money between accounts between banks and Transferwise? 


We could do with some help from you.


Have we helped you ...?         Please Donate button to the Consumer Action Group



Receptaculum Ignis


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  • dx100uk changed the title to Santander & a regular Incoming faster payment from USA keeps getting held for "extra checking "

Transferwise, now called Wise, are cheaper than my bank for international transfers, fkoflee. There are quite a few other services available as well.



Illegitimi non carborundum




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i have heard of several UK Youtubers that earn a monthly wage from their online sites are now getting this happening too.

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

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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The amount was small £70. 


I had this happen several times a bout a year ago. I had maybe 2 payments that went in without checks, then every payment after this has had the " we need to check it " rubbish applied, told me its random and doesn't always happen, they couldn't answer me when i said it was happening for every payment. I did switch to PayPal briefly but they charge me and i now have the infamous " weve limited your account for no reason crap"

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Have you not considered a PayPal Account...?

We could do with some help from you.



 Have we helped you ...?         Please Donate button to the Consumer Action Group The National Consumer Service


If you want advice on your Topic please PM me a link to your thread

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