Mysterious ISA payment being reclaimed

RayWolfe

codetown wrote: »

If you are not used to ask compensation, talking to your bank and suggest others not to do it, then you are in the wrong forum and site!

Thank you for deciding where I should spend my time helping others.

Meanwhile, in the case of the original poster, from what we know, you are just flat wrong. No doubt you are one of those people wanting compensation for having to spend your time asking for compensation!

codetown

RayWolfe wrote: »

Thank you for deciding where I should spend my time helping others.

Meanwhile, in the case of the original poster, from what we know, you are just flat wrong. No doubt you are one of those people wanting compensation for having to spend your time asking for compensation!

This is a site dedicated to consumers and to their rights.
A bank customer who is disturbed by his bank asking him to read a letter, consider a complicated situation, perhaps loose his ISA allowance and have to apply to HRMC to get it back, and then fill forms of fake withdrawal (!) as described above, IS in his full right to ask bank compensation!

The letter arrived from Halifax (not from the party who committed the mistake), the request to consider the case arrived from Halifax, the form to fill in arrived from Halifax!
What more would you want to say that it is Halifax (HIS bank) the party who is hassling this poor guy for no error whatsoever from his side?

I know there are lazy people around, but I would expect that visitors of a consumer's revenge website are a bit more intelligent than the average Joe and are capable of understanding that if this was a 'normal' internal error, no intervention and time waste would be required to cptSparko. Halifax would have solved all internally if it was something simple!

So cptSparko is fully entitled to ask (and will easily get) a compensation for all the time he had to spend on solving a problem he had not created in the first place!

RayWolfe, before expressing stupid judgments such as "you are just flat wrong", I would suggest you to TALK a bit more to the financial institutions you deal with. I can only conclude that you have NO IDEA of what you could claim compensation for.... probably because you never talk and never ask anything and probably accept all the rubbish treatment that some banks offer!!!!

My opinion is based on REAL FACTS and real money I received in compensation for time waste due to mistakes of bank employees. And it was VERY EASY to get.

debbie42

codetown wrote: »

So cptSparko is fully entitled to ask (and will easily get) a compensation for all the time he had to spend on solving a problem he had not created in the first place!

But what if it wasn't the banks fault, but someone else trying to pay some money into an account and entering the wrong details? Who are you going to sue: that person for making a typing error? If it was me making the payment in error (and, yes, I have done this, though not with an ISA), I'd be mightily hacked off if you tried.

codetown

debbie42 wrote: »

But what if it wasn't the banks fault, but someone else trying to pay some money into an account and entering the wrong details? Who are you going to sue: that person for making a typing error? If it was me making the payment in error (and, yes, I have done this, though not with an ISA), I'd be mightily hacked off if you tried.

But are you all crazy or simply cannot read???
Who is talking about sueing anyone?? And who cares whose fault it is the original mistake??? We are talking about a customer who is receiving letters from Halifax, wasting HIS OWN time to consider the problem, evaluate forms etc for somthing he NEVER had any part into.
The clear fact is that Halifax has made (or received from third parties) a mistake and instead of solving the problem on its own internally is hassling a customer and making him loose a lot of time (and perhaps also his ISA allowance in the process).

This is an extremly clear case: the customer should ask compensation for the time they required him to put into a problem which was NOT caused by him and honestly should not interest him at all. Full stop.

If the bank refuses to do this, the customer should refuse to read or sign any form whatsoever and if they insist he should write to the complaints offcie of the bank making clear the amount of time he wasted going after this problem and if they still don't care about a compensation he should bring the problem to the Financial Ombudsman.

Once again for those slow in understanding: no lawyers, no tribunals, no suing of anyone !!!
To ask compensation for the time wasted and for the hassling you don't need anything more than 1 letter to the bank (and if necessary a second letter to the complaints office and a third to the Financial Ombudsman).

debbie42

codetown wrote: »

But are you all crazy or simply cannot read???

That's an ironic post coming from someone who has asked a previous poster to
"keep the tone down and your comments for yourself."

I can read, and can even spell "lose" correctly.

codetown

debbie42 wrote: »

I can read,

I would not say so.
If you introduce a comment or a suggestion to the original person asking for help, I would certainly be happy to read it.

But notice that it is annoying and offensive if you quote my words and then introduce completly crazy concepts (such as suing a bank) as if I suggested it! I NEVER suggested suing anyone. Whoever is saying that I mentioned or suggested suing Halifax, he/she needs a visit to the optician in my opinion (besides not having the minimum idea of what is the process to follow for asking compensation....).

I would also remind those who don't understand what this forum is about to have more respect for those who ask sensible questions and please comment on those questions, without inventing theorical legal battles when all is suggested is to send a letter to ask compensation for the time wasted sorting a problem caused by the bank itself.

RayWolfe

He's very cross, isn't he?
........ and still completely wrong. But I can't be bothered to explain to him in words of one syllable, why.

greenface

good read now back to the match

codetown

RayWolfe wrote: »

He's very cross, isn't he?
........ and still completely wrong. But I can't be bothered to explain to him in words of one syllable, why.

Only those who can't produce concrete data and real experiences insult others saying they are stupid or that they are wrong... They would be better staying silent rather than not give any concrete example based on real life facts.

I have presented my personal experience which gained me more than 500 pounds in the past from simply asking the right people and sending a few letters. And I suggested cptSparko to ask Halifax a small compensation as he is in his full rights to ask compensation for any time he has to waste due to Halifax errors.

Of course a couch potato will never talk to a branch manager or write a letter complaining of anything.
He will simply accept any charge, surcharge, error, form-filling exercises the banks might require him and be happy all the same! That's exactly how the high-street banks make some (most?) of their profits. Luckily not everyone is a couch potato!

I fell cptSparko is intelligent enough to decide on his own based on the suggestions given to him and will not add anything more!

cptSparko

Woah! Been out of the country working and only just checked back on this thread. Interesting arguments from all sides.

Here is what I think:

1) The Halifax (or another customer) made a human-error. Not me.

2) I did not ask for the money, the 'nasty' letter, or the head-ache of trying to sort this problem out.

3) This has prevented me from putting my own money into my own ISA. Stopping me earning interest.

4) I don't agree with the compensation culture this country has descended into. It just costs us all more in the end, taxes go up, insurance premiums go up.... (And the blame culture is another discussion!) BUT were there has been clear financial loss through no fault of the victim then sure, give them BACK what they have lost.


So I am going to spend some time writing a letter to the Halifax:

- Asking them to clarifying that I did not make any mistake/error.
- Asking them to clarifying that my ISA allowance will remain unaffected for the tax year (so I may make further deposits).
- Asking them to apply any emergency or man-made error procedure they must have in place to manually correct things and then send back to me a written official records of facts to keep for the future.
- Asking them for a sign of good faith 1) for the time spent sorting out the problem that I didn't cause and 2) for the amount of interest already accrued to remain (especially as I've not been able to make my own deposit).
- I will be happy to authorise the £3000 money transfer out of my ISA once all the above points have been satisfied.


Big thanks to cheerfulcat, codetown and all the other replies :beer:

Lets hope this doesn't take too long to sort out.........