Lloyds ATM dispensed damaged note, now I can't get it exchanged

fluffnutter

You know what, banks take loads of worn banknotes out of circulation every day. It's absolutely no skin off their nose to exchange this for you, either Lloyds or RBS. You spoke to a couple of jobsworths, and, frankly, I'd probably complain to both banks out of sheer annoyedness! This makes me a bit cross - I hate petty gits sitting behind their stupid little screens smugly telling you you're a tenner down through no fault of your own.

Oliver14

Try another bank. Someone in yur family must be with another bank ask them to exchange it there. If not try your post office,

bcl999

fluffnutter wrote: »

You know what, banks take loads of worn banknotes out of circulation every day. It's absolutely no skin off their nose to exchange this for you, either Lloyds or RBS. You spoke to a couple of jobsworths, and, frankly, I'd probably complain to both banks out of sheer annoyedness! This makes me a bit cross - I hate petty gits sitting behind their stupid little screens smugly telling you you're a tenner down through no fault of your own.

Couldn't agree more.

fluffnutter

I think RBS's stance is bizarre, frankly. It's long been the case that only your own bank is likely to exchange a note for you (although others might do so out of courtesy). What if you couldn't remember where this note came from? What if you'd been given it in a shop? What if it came from a Link machine? It's ridiculous to insist that, because it came from another bank's cashmachine, your own bank's not responsible for exchanging it. If they impose that argument and take it to its logical conclusion, then they wouldn't exchange the majority of notes you take in because chances are the notes don't actually come from your own bank's cashmachine. The more I think about this the more incensed I become!

Twister84

RBS can send off mutilated notes on your behalf. They won't exchange it for you AFAIK and there is a form which needs to be filled in at the bank.

I've done it before as a cashier - but it was a while ago. It might be worth speaking to the chief cashier at your local branch instead.

consumers_revenge

Put £10 of petrol in your car, take the £10 note in. If they dont accept it tell them they can have the petrol back. If the notes not fake then theyll take it.

Worked for a £50 I couldnt get rid of once.

System

just pay it into your bank account. if they accept the note is valid they can't stop you paying it in.

MCGONIS

Freddie_Snowbits wrote: »

Is it Bank Holiday Weekend and the Skools kicked out early?

Take your note dear to the Dog & Duck and get the thing liquidated. As you are a girlie, I would get some chocolate

Why did you even bother to post?

It seems to me like you have spent too much time in the Dog & Duck.

Techhead_2

MCGONIS wrote: »

Why did you even bother to post?

It seems to me like you have spent too much time in the Dog & Duck.

I think you've rather missed the point that was being made in rather a light-hearted and friendly way. No doubt the atmosphere at the Dog and Duck is especially convivial this evening.

If it was me, I would take Freddie's advice and attempt to dispose of the note whilst carrying out my daily functions. Should this note be possible I would wait until I was passing my local RBS branch and remonstrate firmly with the manager, pointing out that I don't much appreciate being sent back and forth.

justAnotherGirl_2

A little update. I sent complaint messages to both banks through their websites on Tuesday. No response from RBS yet, but just got response from Llloyds. Apparently, they normally replace the damaged notes with ATM receipt for withdrawal. I didn't have receipt, as I never take them. I can check my balance online and I would just throw them away anyway, creating waste... But did they even ask whether I had a receipt when I visited a branch? No... Anyway, they agreed to replace it now and they are sorry for inconvenience, so I will go to the branch tomorrow and get it replaced :j

Thank you for your comments

Twister84 wrote: »

RBS can send off mutilated notes on your behalf. They won't exchange it for you AFAIK and there is a form which needs to be filled in at the bank.

I've done it before as a cashier - but it was a while ago. It might be worth speaking to the chief cashier at your local branch instead.

Sounds fair enough, but you would think they would tell me about it, rather than just sending me back to Llloyds.

Just as well as they could have told me I could pay it in, even though it's damaged...

I seriously have no idea why RBS was so unhelpful.


Edit: another update

Just received response from RBS as well. Just the standard, 'thanks for contacting us, we are going to investigate it now' type of thing, but at least they are not ignoring me. It is saying they will investigate and let me know within next 10 days.