What can I rightfully Claim - RBS/Ulsterbank/NatWest

Komedy

My 1st post here so Hi everyone.

I'm an Ulsterbank customer who today Friday 29th June are still suffering from the IT failure while RBS and Natwest are back to normal.

So for me it almost 3 weeks into this and likely to be the end of next week before its sorted.

In this time I haven't been able to access money unless I visit a branch, cant transfer between accounts and cant pay bills and have DDs missed.

So here is the question, what can I rightfully claim from them when its over, here is what I have in mind so far.

• Any Charges on the account Refunded
• Any Charges from late parties paid
• By paying my electric by Direct Debit I get an annual discount, if a DD is missed I loose this for the year
• I have a U First Gold account which has a monthly membership fee I expect all fees to be waived from this point forward.
• I withdrew cash from my Savings account - Loss of interest
• Finally my time spent administrating our finances, so far in excess of several hours of telephone calls to Ulster Bank and 3rd parties along with time away from work to visit branches to access money, time that my employer expects me to make up by working this weekend. I intend to claim £25.00 per hour as a result and have documented all calls and time away from work.

Would anyone consider this approach unreasonable.

Thanks in advance

InsideInsurance

1) Fine
2) Fine
3) Speak to the electric provider, I am sure some companies are going to be sympathetic anyway but certainly if you lose it, fine
4) Why?
5) Fine
6) £25 is excessive, your an employee and not being docked wages so no actual loss of earnings. The FOS certainly used to pay £10 per hour http://www.financial-ombudsman.org.uk/publications/technical_notes/distress-and-inconvenience.htm

Komedy

InsideInsurance wrote: »

1) Fine
6) £25 is excessive, your an employee and not being docked wages so no actual loss of earnings.

I have to make the time up by working this weekend without getting paid. My hourly rate is £25.00 which is how i came up with that figure, but I have read the link you provided and it does give me some guidance so thankyou

On point 4, I pay an annual fee for a service, they have failed to provide that service.

crispy_chris

Komedy wrote: »

On point 4, I pay an annual fee for a service, they have failed to provide that service.

Just playing devil's advocate, I suspect you'll struggle to get them to agree to this. I suspect the services you pay for (£1000 interest free overdraft, travel insurance, discounts etc etc) weren't affected by this, i.e. you still had those benefits, so will have suffered no more than someone with a non pay-monthly account.

Scarpacci

Komedy wrote: »

On point 4, I pay an annual fee for a service, they have failed to provide that service.

For a month, at best/worst. Why should the charges be waived "from this point forward"? If I'm understanding you correctly, you think you should have this paid account for free for as long as you want it?

How many any of the paid-for benefits have even been affected by this meltdown? You may well be okay to ask for this month's fee to be waived, but beyond that I can't see why there should be any change.

InsideInsurance

But you are being paid for hours you didnt actually work when you were in the bank etc so you are not out of pocket and so the standard inconvenience rate would apply.

On 4 then it is a pro-rata refund/ waive that you'd be entitled to as evidently it is only part of the year that your missing out on "the service" but I would be surprised if they'd squable over a claim for the full year (assuming we are talking low £X00s)

SnowTiger

Komedy wrote: »

So for me it almost 3 weeks into this and likely to be the end of next week before its sorted.

Three weeks? I thought the problems began last Tuesday night (19th June), which makes it barely a week and a half.

blizeH

Urgh, I feel for the poor customer service worker that you're soon to be dealing with...

Komedy

SnowTiger wrote: »

Three weeks? I thought the problems began last Tuesday night (19th June), which makes it barely a week and a half.

Disruption with Ulsterbank started 3 weeks ago

SnowTiger

blizeH wrote: »

Urgh, I feel for the poor customer service worker that you're soon to be dealing with...

I suspect most claims will be simply waived through.

I bank with Natwest. Unfortunately I haven't been affected by their recent problems. However, I wonder if I can claim for the stress and worry they've caused me? :rotfl:

doelani

Komedy wrote: »

Disruption with Ulsterbank started 3 weeks ago

Really ? I am with Ulster and so is all my family and first disruption was Wednesday 20th