Theiving Banks.

oldfella

The balance of probability in this case is what ? As far as I can see from the OPs post its Derbyshire BS word against the OPs partner. There are no witnesses You must prove that they're legally responsible for the loss. You have prove liability.

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you dont have to prove liability - you have to prove on the balance of probability that you are telling the truth. So you turn up in the small claims court, explain what happened to you - and the judge decides if he believes you. You specifically do not have to prove your case.

mike

regularsaver1

I think your bank should give it back

bank i work at wouls write anything off below £50

iffy_2

Hi everyone,

I already have all the statements for the months when i had the bank charges, do i still need to send the DPA letter to my bank asking for those statements?

Any help very much appreciated

UaZ

Although Natwest were not directly responsible, my reason for telling my partner to closing the Natwest account was because they will not do anything about it. They allowed the money to be taken, which is fair enough as to them it would of looked like a normal transaction. My partner then followed the banks procedure to get the refund and she came out of the bank feeling like they were calling her a lier. My thoughts were if she thretend to close the account then they might give her the £20, and if not she's no worst off.

jonesMUFCforever

UaZ wrote:

Although Natwest were not directly responsible, my reason for telling my partner to closing the Natwest account was because they will not do anything about it. They allowed the money to be taken, which is fair enough as to them it would of looked like a normal transaction. My partner then followed the banks procedure to get the refund and she came out of the bank feeling like they were calling her a lier. My thoughts were if she thretend to close the account then they might give her the £20, and if not she's no worst off.

In this day and age unless you are very rich or a customer that buys a lot of bank products they will close the account without question.

lotto-dreamer

they didn't find an extra £20 left in the machine and so will not refund the money

I once received too much money from an ATM - and - yes, I wonder why I did it now - went into the Bank to tell them (this was a long time ago in the days when honesty was the right way to do things). Perhaps the person who received their money after you found they got an extra £20 if it had become stuck somehow, as I assumed that this had happened when I hit the 'jackpot'

Frankly, with all the money the banks make and for the sake £20, I would have thought your Bank (unfortunately, same bank as mine) would have taken your word for it and sorted it out - although the bank we're talking about are rather more keen on sending out bunches of flowers when they've messed up -it's hard to part them from 'their' money

UaZ

ejones999 wrote:

In this day and age unless you are very rich or a customer that buys a lot of bank products they will close the account without question.

Unfortunatly, your probably right.
But principles gotta count for something.

robinson79

iffy wrote:

Hi everyone,

I already have all the statements for the months when i had the bank charges, do i still need to send the DPA letter to my bank asking for those statements?

Any help very much appreciated

sorry wrong thread luv!!! :rolleyes:

CopperPlate_2

If NatWest have 'investigated' it and found that there was no error on their part, raise the issue with Derbyshire. Write to their customer services department and complain. I'd be inclined to include the time and date and the ATM location where the cash was withdrawn. These machines have audit facilities - the cash is counted regularly and the contents recorded and 'balanced'. There is also a dump bin within them to catch notes which are dispensed incorrectly or are left in the cash slot by those forgetful souls - the machines are programmed to recall the cash from the slot after a period of time and it goes into the dump bin and an entry is made on the journal accordingly. There should be plenty to examine to show whether £50 was requested, and thereafter dispensed, or whether £20 was put into the dump bin or not dispensed at all. It's usually all relatively new notes too so it would be unlikely that the note lost was sticky or torn and as a result didn't dispense correctly.

rio

I agree with the above post. When I worked in the bank we had to go through audit trails if a customer queried the amount dispensed. When £50 was requested Derbyshire sent Natwest an electronic message (if you like) to debit the account by this amount. The fact that £50 was not dispensed is the fault of whoever provides the cash dispenser, not Natwest. It is not merely a matter of finding an extra £20 in the dump can, it is about checking the details concerning the particular account. We used to send photocopies of the journal listing to other banks to prove that we had researched on behalf of their customers. This was a terrible nuisance as you had to ensure that all details of other accounts on the listings were obscured. Amazingly a lot of queries involved were late on a Friday or Saturday night!