How much can you save?

Vixstar

Oh and when you do phone ask for the name of the person you are speaking to so that when you phone again a day or two later you can say I spoke to so-and-so who said. Also make sure they are putting a note of your phone calls on your account or something. It's not worth leaving the bank until they've given you your money back. It may be worth asking advice on some of the other boards here such as the bank accounts one o see if people have had a similar experience and can give further advice. Also if you are able to get to them someone like Citizen's Advice may be able to suggest further things you can do - I'm guessing there is some body for banking complaints. I'm sorry this is going to take up some of your time but leaving the bank to sort it in the time they said they would is obviously not working.

(Also sorry for the long post but I'm trying to think of ways for you to get your money back I can't imagine how horrible it feels)

dippykitty

Dannii - Vixstar has given so good advice so I won't try to add to that but definitely agree with the advice to keep phoning. At the moment it sounds like they're trying to fob you off for as long as they possibly can so keep on at them and make it clear that you're not just going to sit back and wait for them to sort it out when it suits them. Would it help to go into the bank in person? At least that way, they can't cut you off or anything like that if they don't like what you're saying on the phone.

minidannii

dippykitty wrote: »

Dannii - Vixstar has given so good advice so I won't try to add to that but definitely agree with the advice to keep phoning. At the moment it sounds like they're trying to fob you off for as long as they possibly can so keep on at them and make it clear that you're not just going to sit back and wait for them to sort it out when it suits them. Would it help to go into the bank in person? At least that way, they can't cut you off or anything like that if they don't like what you're saying on the phone.

I had to go to the bank thursday past, as i did what people on here said phone up ask whats happening, which i did. To then be told they never got the letter i sent, and was told to re write it and go to the bank and ask them to fax it.

minidannii

Vixstar wrote: »

Dannii I know this is not much help but ring them again at least you'll know what's happening, also as last time they hadn't received your letter at least this time you can check they definitely have it and are doing something with it. I find it really hard to phone people too but I think for £10000 its defintely worth annoying them with regular phone calls.

exactly i wish the bank would look at as who is gona spend £10000 in little under a month ?

someone said to my its the bank that would have to pay the money, they authurised the transactions, and surely they could look through statements see how your spending is. i mean they could check through all statements i was never overdrawn since i opened the account when i was 16. now am £1000 overdrawn

dippykitty

minidannii wrote: »

exactly i wish the bank would look at as who is gona spend £10000 in little under a month ?

someone said to my its the bank that would have to pay the money, they authurised the transactions, and surely they could look through statements see how your spending is. i mean they could check through all statements i was never overdrawn since i opened the account when i was 16. now am £1000 overdrawn

You'd think so, wouldn't you! When a fairly large (for them) amount of money disappeared out of my parents' account, the bank phoned them up a day or so later as it was so out of character and we're not talking anything remotely as big as £10k here. Which bank are you with out of interest? I've never personally had a problem with fraud but my parents have had it several times with both Natwest and Halifax and it's all been sorted out really quickly in comparison to your situation so would I be right in guessing that it's not either of those?

minidannii

dippykitty wrote: »

You'd think so, wouldn't you! When a fairly large (for them) amount of money disappeared out of my parents' account, the bank phoned them up a day or so later as it was so out of character and we're not talking anything remotely as big as £10k here. Which bank are you with out of interest? I've never personally had a problem with fraud but my parents have had it several times with both Natwest and Halifax and it's all been sorted out really quickly in comparison to your situation so would I be right in guessing that it's not either of those?

I am with tsb, yet online and on the leaflet you get with your bit paper, it says if they pick up unusual spending amounts they might phone you up, i was never phoned up. I mentioned that on the letter

minidannii

am gona phone up the now,

am thinking of saying if its not sorted now i'll change banks thing is, about a year ago, it wasn't really fraud as the trasactions hadn't came out yet, i had £300, cos online account said something like amount £300, amount available nill, i phone up they said there were more to come out and just kept telling me to take an overdraft out, then my dad said right we will all go else where if it not sorted, next time i go online the money was back.

thing is that was only £300, i mean for £10,000 what if they say go change banks, then cancel my account then i really will have lost my £10,000

minidannii

Not sure if you would class this as good news or bad news, i guess bad news since i still don't have the money ?

anyway phoned up

she said i can confirm the fraud department did get your letter and are looking into it now and will be in touch with you in the next 5 days.

I said 5 says, but i was told to take an overdraft for a month, and that will be ending soon so what if i don't get the money by then, what do i do take out another overdraft ? , as after that it will be unplanned which is £20 charge, she said just let the overdraft run, and if it is fraud you will be refunded all charges.

thing am now worrying about now, what if i let the overdraft run out then am changed another £20 for unplanned overdraft, considering my charges for overdraft right now are £58 and i don't get the money

tinkerbel

got £24 expenses today to add to savings

LucyTheDwarf

MiniDannii, in my experience you will continue to get charges on your overdraft. However these will be refunded in full, as soon as they have verified that it is fraud. Turn a blind eye to them.

Secondly, if you said you wanted to close your account, they can't say "go away then" without sorting out your 10K. That would be theft, because you can sure as hell bet they will do everything to recover 10K for themselves.

Thirdly, you should tell the bank you will take this to the Financial Ombudsman if they have not restored your bank account funds and paid adequate compensation (for the inconvenience, stress and charges incurred) by 31st January. You should call them tomorrow and say this, give them just over a week to sort it out.

I would advise speaking to the Ombudsman anyway, and talking them through your problem to see if there is anything else they can suggest. They are there to help people like you who have a complaint with their bank. Their details are below. And ask them to call back, even if you don't mind the 4p per minute, it's nice to get someone else paying for a change.

Financial Ombudsman
consumer helpline

open 8am to 6pm, Monday to Friday

• 0300 123 9 123 This number will be free if you pay a monthly charge for calls to numbers starting 01 or 02.
• 0845 080 1800
  Calls to this number cost up to 4p a minute for BT customers – and may be free on some BT plans. But you will probably have to pay more if you use another phone company or call from a mobile phone.

we'll be happy to phone you back, if you're worried about the cost of calling us