BSocieties, Banks Closed accounts.

opinions4u

SeethingSaver wrote: »

I notice nothing from opinions4u about the crux of the original posting points:
Who is the party that writes the terms and conditions?
It certainly is not the customer.

Its a pretty stupid point. Of course the provider of the service write the T&Cs.

Do you really think the general public want to write their own T&Cs each and every time they take out a product or service from a retailer?

For the customer it's just take it or leave it

Absolteuly. But the T&Cs will include compliance with law, regulator and where appropriate a provider's desire for competitive advantage. If they don't, the customer has the redress of courts, ombudsman, regulator and (in the case of savings) an exceptionally competitive market place.

...Selective comments where you think you can show things from your own perceived angle is very much an fsa ombudsman trait, perhaps a job there awaits?

The FSA and the ombudsman are different bodies. In the case of the FOS they typically rule in favour of the customer around 50% of the time. Seems about right to me. They also apply a test of fairness over and above that required by law.

Does MSE not advocate taking something up to the shop desk and seeing what they will slap the price down for cash?

If you can find a savings provider that will pay you more that way, go for it. If you can't, seek out the best balance of service, convenience and value you can. I settle for 2.8% on my easy access accounts. I could get 3.24%. If you can't be bothered, expect 0.05%.

After all you seem smugly happy to consider you are competent at so many other things. Glad for you that you that you are so in control of whatever affects you that you don't have to think about the concerns and problems of other people.

My advice to others is to beat the banks at their own game. Shop around. Get the best deal for you. Do this for everything you buy.

The saying is ignorance is bliss I believe; certainly can't see anything to educate here from opions4u.

<shrug>

dunstonh

Time to add the troll to the ignore list. Don't feed him any more.

dzug1

Put it this way - if you were a customer with millions to invest they certainly would negotite T&C with you. With a poxy few K it's just not worth their while to go through the process of deciding whether your version is OK, legally and otherwise, and altering their systems to record the fact that the differnce exists and to act upon it. Staff in branch would certainly not have a clue on how to go about it.

opinions4u

dzug1 wrote: »

Put it this way - if you were a customer with millions to invest they certainly would negotite T&C with you.

No they wouldn't.

Some may negotiate on rate, but most wouldn't. But while bespoke rate is possible bespoke T&Cs simply won't happen.