jjphillips vs hbos

[jjphillips]

Well,

I started on 9th may requested list of all charges on both my accounts.

Finaly yesterday (sunday) was promised they had been posted. Wont hold my breath.

 

Got email telling me two more charges to be added ha ha.

I thought the bank had 40days to get me the information i requested.

the 40 days was up on 18 June. But i called on 21st june to find out where the info was but it had not been proccesed, then got letter saying bank charges were ok and no refund.

Still no list of charges.

 

Well i'll see if they come this week, but what can i do if they continue to refuse to send them to me?

 

The financial regulator has sent a letter of complaint about this but no dice.

 

John

[kennythecelt]

Hi there.

 

"then got letter saying bank charges were ok and no refund. " Its not OK and they will refund you, in full, if you stick to the guidance. Stick out for every last penny. No partial offers!!

 

Please have another look at the guidance and FAQ as this might help.

 

How did you calculate the charges without the statements?

 

Are you saying that you have complained to Financial Ombudsman Service?

 

What did you say the complaint was about? Charges or lack of statements?

 

What was the actual reply from them?

 

You can right a letter to the Information Commissioner. There is a template somewhere which one of us will find.

 

Please keep to this thread and check with us before any further action.

 

We are on your side which is our side!!

[jjphillips]

Hi,

I didnt actualy ask for any refund yet. This is a case of the bank not paying attention to what i have asked for.

 

Here is what has happened.

 

8th May 2007 requested a copy of all bank charges relating to my two bank accounts.

 

recived letter 23rd May 2007 confriming my request and stating that information requested would be with me in 40 days.

 

Statments due 18th June, waited till 21st June and called bank. Was told request had not progressed past the previous letter. Was then advised i would have the information i requested with in ten days.

 

21st June called Financial Ombudsman Service and complained that my request had not been dealt with with in the 40 day period. They then wrote a letter of complaint on my behalf on this matter. Not the bank charges but lack of responce.

 

Sat 30th June letter recived from bank stating they had looked at my complaint and decided that charges were legal and no refund. But I still had not requested any refund of charges as i still did not have a list of charges from the bank.

 

 

So called bank, explained the situation to the lady on the phone then asked for customer relations who refused to speak to me as they informed the lady i was speaking to that as i was not happy with the descision they would escalate the matter to a manager who would call me back a t some time. This seemed a bit confusing as i still had not asked for any refund because i still did not have a copy of the charges as requested.

 

So i asked the lady on the phone just to clarify to me what she had told the rep from cust services.

And behold she said " i told them you were not happy with the descision not to refund the charges.............."

TADA hay presto magico change oh. I discovered that i am from an other planet.

 

I calmly restated the facts to the lady in this manner, using a complicated sequence of longnitudinal waves eminating from my mouth.

 

She appoligised and passed me through to the cust service rep. Who was less than happy to speak to me. She told me that she would pass the matter on to the team who dealt with the refund of charges as i was not happy with the descision not to refund. ARRRRRRGHHHHHHHHHHH.

 

And lo I did draw a long breath ....... and re explained my case.

 

Could some one please tell me why i still had not recived my list of charges....... no was the replay they are all at lunch and there are no supervisors or managers as they also are at lunch.

 

Then presto changeo " Mr Phillips your list of charges your requested for both accounts has been posted to day"

Over come with joy i thanked the lady and we ended the call on a happy note.

 

Just then i realised it was sunday.... and did they realy post the information to me on sunday?????? only time will tell.

 

Keep tuned in for more of johns whacky adventures in "the bank who charged me"

 

Sorry every one but its just a little frustrating, i dont know if that has come across.

 

John

 

PS if any of this is offencive in any way i am ( unlike my bank) truly sorry and appologise.

[Dusary]

Hi,

Just then i realised it was sunday.... and did they realy post the information to me on sunday?????? only time will tell.

 

None of your saga was offensive!

 

We'll see if they DID post them on a Sunday - but you can bet one thing:

 

WITH ICO ON THEIR TAILS - THEY MAY HAVE DONE!

 

For a timescale on ICO actions see my thread.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/81108-dusary-bank-scotland.html?highlight=dusary+v+hbos

[jjphillips]

Well the bank didnt post on sunday.

 

Called today just to check and was told they could not search the database so the lady would print off all the charges and post them tonight first class. She was very helpful and gave me the totals for the charges.

 

For both accounts it looks like £1080, £299 and £2196.

 

Why three figures for just two accounts I hear you ask.

 

Well even if you didnt ask i shall tell.

 

The first two figures relate to one account which has recently been switched to the new bank of scotland system.

 

So the information i requested at the begining of may has finaly been posted, no really it has honest gov i have posted it they said;-)

 

 

John

[Dusary]

Well, we'll see if they have.

 

HAVE YOU contacted Information Commissioner's Office?

[jjphillips]

No, I have complained to the financial ombudsman.

 

No post from the bank to day but they have taken two £39.00 charges and one £28.00 charge for overdraft.

 

I just keeps getting better.

 

John

[jjphillips]

Have sent first letters with charge schedual. Sent 14 July.

[Dusary]

21st June called Financial Ombudsman Service and complained that my request had not been dealt with with in the 40 day period. They then wrote a letter of complaint on my behalf on this matter. Not the bank charges but lack of responce.

 

Yeah! They won't deal with charges - just non-compliance!

 

You maybe haven't realised that Information Commissioners Office send out bundles of complaints at the end of each month. The banks have 28 days in which to respond to initial complaint.

 

You may (or may not) have snuck into the June mailing from Information Commissioners Office.

 

If you have - then you should be hearing very soon!

[jjphillips]

I got a letter in from the bank this morning and i need some help. so if any of you feel up to it could you please advise.

 

 

 

most, if not all of my charges are for failed direct debits.

 

the letter from the bank says:

"You referred to the guidelines on credit card default charges issued by the Office of fair trade (OFT). As the guide lines do not apply to bank account charges, I cannot comment on it in connection with your concerns. The guidelines are about default charges which people must pay when they break the terms of a credit agreement with a lender. As previously explained, the charges that you are asking us to refund are our fees for the additional work that we carry out when a customer requests a payment with out sufficient funds in their account."

 

They go on to offer £691.00 for one account and £1098.00 for the other.and is signed by Rebecca Bowsher.

 

Is it right that i cannot us the guide lines issued by oft?

 

the letter i sent was a template from this sight.

 

John

[Dusary]

Well - I, for one, have included failed D/Ds on my charges sheet!

[jjphillips]

I have not been on here for a while but i was waiting to see what was going to happen.

 

A few months ago i was refunfed half my charges I then sent a letter saying thank but where is the rest. I advised that if i did not recive the money i would proceed further.

The reply from hbos was that if i did not sign a bit of paper saying it was all over they would want all the money back. Just at that time the news reported that all bank charge cases were being frozen untill a proper descision was reached. I had already spent the money.

 

The letter gave me two months to make my mind up. It said that if they had not heard from my in the two months they would assume i still wanted to pursue for the full amount. I forgot about the letter untill it was too late.

 

Where do i stand now. And dose anyone know what has happend regarding cases against bank charges?

 

Please help. Ps i have been trying to change banks but now i cant even get a credit card never mind a new account with a diffrent bank.

 

Happy New Year

[maroondevo52]

Hi,

 

Hi, John.

 

"Your signature on a piece of paper cannot take away your legal rights. Any penalty charges the bank makes are still unlawful."

 

I've lifted the above quote from a Mod on a thread similar to yours.

I take it you did sign the 'piece of paper'. I think you should carry on with your claim.

Have a look at this......

 

http://www.consumeractiongroup.co.uk/forum/general/107550-oft-test-claim-what.html

 

Here's some info on getting another Bank Account....

 

http://www.consumeractiongroup.co.uk/forum/general/13832-do-you-need-parachute.html?highlight=do+you+need+a+parachute+account

 

 

Regards.

 

Scott.

 

 

 

 

 

[jjphillips]

Sorry for taking so long to get back. But I have been in hospital for some time.

I didnt actualy sign any of the documents sent by the bank. I forgot all about them so my claim should still be ongoing, right?

The bank are still persistantly applying charges.

 

The latest was a good one. I wrote a cheuqe on the monday eveningit was put in the bank with the over night safe tuseday morning email arrives for failed item. I thought I would have at least 2 days to get the money in to cover the cheque.

 

Hope you all had a good new year.

 

John

[milnholm]

Hi all lost my detailsfor this account so started new on as milnholm.

 

Cheers

[maroondevo52]

Hi, John.

 

Good to see you back

 

Continue with your claim, take it all the way to court.

 

Regards.

 

Scott.