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Mrs_Gaz
Posts: 1 Newbie
My husband and I are Alliance & Leicester customers for the last 10 years. We've always were pleased with their service - managed not to encounter bank charges.
Last January, due to bank holidays 1-3 of Jan our wages went in on Monday 04.01.10 missing some o our DD by 4 hours. We were charged £75 in penalties (£25 per payment) and had to manually pay the bills.
When we contacted the bank they offered to return £25 or we could complain to Customer Services dept. We chose the later as we felt it was unfair charge and received the reply letter that our complaint was unsuccessful.
Do you think we have the reason to go to Fin. Ombudsman?
Last January, due to bank holidays 1-3 of Jan our wages went in on Monday 04.01.10 missing some o our DD by 4 hours. We were charged £75 in penalties (£25 per payment) and had to manually pay the bills.
When we contacted the bank they offered to return £25 or we could complain to Customer Services dept. We chose the later as we felt it was unfair charge and received the reply letter that our complaint was unsuccessful.
Do you think we have the reason to go to Fin. Ombudsman?
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Comments
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If you have received a 'deadlock' letter, you can go to the FOS; such a letter will be clearly marked as such. Otherwise you need to allow 8 weeks for the bank to investigate and come up with a resolution to your complaint.
In the meantime, if you are not happy with the bank's proposed resolution, keep trying to negotiate for something you would accept."Now to trolling as a concept. .... Personally, I've always found it a little sad that people choose to spend such a large proportion of their lives in this way but they do, and we have to deal with it." - MSE Forum Manager 6th July 20100 -
I would try the Manager of Customer Services. As the payments were on the same day i think the Human element could work best. Explain the situation every so nicely that there was a Bank Holiday involved, same day etc and see what they say.
I think that this is unreasonable.Disclaimer - Info about the law is designed to help users safely cope with their own legal needs. But legal info is not the same as legal advice -- the application of law to an individual's specific circumstances. Although I go to great lengths to make sure my info is accurate and useful - please seek the advise of a lawyer before you act..
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