Short changed by cash machine

lucylucky

jonesMUFCforever wrote: »

Quicker to do it in branch - any phone enquiry will mean the form that you sign in the bank being posted to you and any refund will have to wait until they process it after you send it back.

I would have phoned as soon as it happened and then followed up in the branch.

jonesMUFCforever

lucylucky wrote: »

I would have phoned as soon as it happened and then followed up in the branch.

Absolutely no point as the departments work from different locations.
More likely one would play you against the other - result = delay in getting the money back.

Casati

I had a similar problem and called HSBC later that day... it was all sorted very fast, money was back in my account within 24 hours and they followed this up with a letter confirming that there had been a fault with the cash machine.

I would give them a ring

[Deleted User]

ringing them should speed things up

lucylucky

jonesMUFCforever wrote: »

Absolutely no point as the departments work from different locations.
More likely one would play you against the other - result = delay in getting the money back.

I doubt it very much.

shown73

A quick update. Went to HSBC this morning, and explained the problem. Directed to an internal phone, on the end of a bank of machines. Spoke to three different people, answered endless security questions, and in all it took near on half an hour. Upshot is, no promise of repayment, it will be looked into, and a letter should be sent out in about 7 days. So, despite squadrons of bank staff marching around, no help whatsoever. Could just as easily phoned from home, I suppose, but no doubt it would have been an 0845 no., and cost a fortune. It's not what I had expected, to be honest. Just to cap it all, went to a counter assistant and asked to draw out some money, and bear in mind it is my money, but informed that I couldn't, as I didn't have my cheque book with me, and it can only be done that way. I never use a cheque book nowadays, not even sure where it is. Is this really the best we can do in the 21st century? Is there no such thing as a simple withdrawal slip? Are all banks like this, or can anyone suggest one which is actually staffed by humans? GRRR!!!!

jonesMUFCforever

shown73 wrote: »

A quick update. Went to HSBC this morning, and explained the problem. Directed to an internal phone, on the end of a bank of machines. Spoke to three different people, answered endless security questions, and in all it took near on half an hour. Upshot is, no promise of repayment, it will be looked into, and a letter should be sent out in about 7 days. So, despite squadrons of bank staff marching around, no help whatsoever. Could just as easily phoned from home, I suppose, but no doubt it would have been an 0845 no., and cost a fortune. It's not what I had expected, to be honest. Just to cap it all, went to a counter assistant and asked to draw out some money, and bear in mind it is my money, but informed that I couldn't, as I didn't have my cheque book with me, and it can only be done that way. I never use a cheque book nowadays, not even sure where it is. Is this really the best we can do in the 21st century? Is there no such thing as a simple withdrawal slip? Are all banks like this, or can anyone suggest one which is actually staffed by humans? GRRR!!!!

You should have asked for a copy of the banking code - they have fobbed you off.
Now it is time to make a formal complaint in writing.
It does go against the grain for a bank to believe you and refund you at point of contact but that is what the banking code says - so they must adhere to it, try it and see them squirm - put in a claim for your time too £20 sounds nice doesn't it???

MME_2

jonesMUFCforever wrote: »

You should have asked for a copy of the banking code - they have fobbed you off.
Now it is time to make a formal complaint in writing.
It does go against the grain for a bank to believe you and refund you at point of contact but that is what the banking code says - so they must adhere to it, try it and see them squirm - put in a claim for your time too £20 sounds nice doesn't it???

As far as I knew the banking code was replaced with something else but I can't find the document online like the banking code used to be. Do you have a link?

jonesMUFCforever

MME wrote: »

As far as I knew the banking code was replaced with something else but I can't find the document online like the banking code used to be. Do you have a link?

It has been replaced by;
- the Banking Conduct of Business Sourcebook and Payment Services Regulations 2009 (enforced by the Financial Services Authority); and
- the Lending Code (enforced by the Lending Standards Board).

normoyle1969

:mad: I have a very unhappy 17 year old he has just started his apprentaship and had his first pay gone into his natwest account he went to our local paypoint machine and tried to withdraw £200 no money came out and the reciept says that the transaction was incomplete he came home and checked that he had the funds online and to our amazement £201.50 had just been taken from his account £1.50 for the charge fpr using the machine.

He telephoned the bank and i telephoned paypoint to tell them that there was a problem the bank advised he to go in and fill in a atm dispute form. ( which he has done)

Paypoint took all the details off the reciept over the phone and asked us to confirm the location of teh machine they were as surprissed as i was as it showed on there system to actually be 200 miles away from the location it was in.
It has been 12 working days now and we havent heard anything from the bank about the dispute.
£200 is half of his months wages by the time he has paid his bills and his £50 a month bus ticket he is left with nothing no help from the bank just that they will investigate.

How long is appropriate to leave it for them to investigate???