Compensation from a Bank

Roxy73

I have had reason to put in a complaint to Barclays Bank. As they had not put the matter right I approached the Financial Ombudsman to act on my behalf and resolve my complaint.

The FO has given the bank 8 weeks to respond to me, or they will take the matter forward.

I have received a letter from Barclays today basically asking me what compensation I am looking for! Obviously I am going to pursue some form of compensation, but I am just wondering whether anyone else has had the same thing and what sort of amount to suggest? I don't want to suggest an unrealistic amount, but then again I don't want to under-estimate it too!

If anyone can provide me with some advice on what I should request, I would be really really grateful.

Thanks

cifpower

Can you tell us the nature of the complaint?

Roxy73

Sorry I didn't put in the nature of the complaint. Without going into too much detail, I had a joint account with the bank with my now ex-husband. In order for me to continue paying mortgage payments etc I opened a bank account in my sole name for this purpose. My ex-husband who has his own current account with Barclays wanted to change his address to his new one.

As a result, every account in his name and my name [the joint and sole account] was changed to his new address. As a result, all of my correspondence and statements were being sent to him. I have to say I was horrified at this and immediately closed the account and lodged my complaint. If I wanted the joint account to be changed back to my address then this would have required both signatures, but it was ok to do it without mine!! This has been rumbling on since last September as all the bank has been able to tell me up until today was that it's just a human error!!

I don't accept this as they have breached the Data Protection Act and also caused a huge amount of distress as I did not want my ex-husband knowing my financial details.

If you could help with the compensation issue I would be grateful:o

the_annoyed_customer

Roxy73 wrote: »

If you could help with the compensation issue I would be grateful:o

Luckly ur ex partner is responsible as in he has not taken money from your account. I would ask for £100 thats resonable. It might be overestmiating but its not being that cheeky or rude to ask for it as you should get at least £50 for your inconvenience

Lokolo

the_annoyed_customer wrote: »

Luckly ur ex partner is responsible as in he has not taken money from your account. I would ask for £100 thats resonable. It might be overestmiating but its not being that cheeky or rude to ask for it as you should get at least £50 for your inconvenience

Are you being serious?

The OP will be lucky to get anything. Without financial loss it just sounds like a complaint which will be a sorry plus £10 or something.

How much has it cost you, in real terms not made up terms? i.e. phone calls, trips to bank etc. to sort out.

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^^ this has been edited that the OP will be getting something from replies

the_annoyed_customer

Lokolo wrote: »

Are you being serious?

QUOTE]
Yes I am it doesn't hurt to demand it. Since it is a basic error from the bank and the OP has had the problam since september 7 months ago, so I imagine quiet a lot of time lost and inconvenience

Lokolo

the_annoyed_customer wrote: »

Yes I am it doesn't hurt to demand it. Since it is a basic error from the bank and the OP has had the problam since september 7 months ago, so I imagine quiet a lot of time lost and inconvenience

Hence why I actually asked. The OP could have just sent 2 letters for all you know. Worth £100? I don't think so

Roxy73

I can imagine that I will get a 'sorry' but quite frankly it's not good enough. To just change an address like that is so wrong especially when other firms are so strict on address changes etc.

It's been lots of phone calls, correspondence, trips to the bank, my solicitor becoming involved not to mention the emotional distress!

I am guessing that as the FO are involved they want to deal with me directly rather than me pursuing this through them and receiving the compensation that way.

Hopefully it will be a lot more than £10!!!!!

Lokolo

8 weeks is the time banks are given to resolve issues but the FOS get involved.

Instead of just saying that you've had numerous phone calls etc. you need to write down everything that has cost you. If you just respond with '£100 please' the bank are just going to tell you to **** off.

You need to show what has cost you. How many phonecalls, trips to the bank, how much has it cost you for solicter to be involved. If you get these into your reply they will accept a better offer.

Roxy73

Thanks for that. Will draft them a letter and put in exactly the time it has taken with calls, letters etc and see what happens.

Hopefully they will try and make me a happy customer?!?!?

ShelfStacker_3

Lokolo wrote: »

8 weeks is the time banks are given to resolve issues but the FOS get involved.

Instead of just saying that you've had numerous phone calls etc. you need to write down everything that has cost you. If you just respond with '£100 please' the bank are just going to tell you to **** off.

I would point out that sending someone's statements to the wrong address is a breach of the Data Protection Act, and thus illegal - actually, criminal IIRC. Hence Barclays may wish to give the OP a fair bit of cash just to keep them happy (the next step should they not, in their minds, being the information commissioner, who will put horseshoes on and dance on their fingers for the fun of it.)