Do I have grounds to sue my Bank?

rayjay01

EarthBoy wrote: »

Being unable to drive is not the same as being housebound. Housebound = unable to leave the house. You could have got the bus to the bank instead or, as has already been pointed out, you could have got off your backside and gone to the bank with your son in the first place, thus saving yourself a whole lot of grief.

It's as though you're saying that I should be grateful for the wonderful banking sector, who kindly look after my money for me.

NO, they are providing a service to me. I shouldn't have to go out of my way to perform a simple task with MY MONEY.

How many times do I have to say this, it's MY (text removed by MSE Forum Team) MONEY. The banks should be grateful to me for all the times that I have had sums of money in my account, in which they've made their profits, yet given me little or no interest.

I'm not getting a bus when I feel like this, unlike a lot of you, I live in a world where things can't be done in correct way all of the time. Also known as the real world.

You seem to be forgetting the fact that I am a customer to the bank, they are providing a service which has left me in a very stressful situation. I don't care if it was the weekend, banking and financial matters don't stop for the weekend.

I know Natwest has a new feature that allows you to withdraw emergency funds from cash points. Why the hell doesn't Barclays have this feature? They should have these things in place to prevent their CUSTOMERS from going through this.

Don't you dare tell me to get off my backside either. You have no idea how much pain I'm currently in, having to get changed and take a car trip to the bank would have meant putting myself through even more pain. Instead we decided the easiest option would be for my son to go to the bank with MY PERMISSION and transfer some money to an account so I could withdraw it. Bearing in mind the only reason I had to do this in the first place is because Barclays, as always are under-going technical difficulties, disrupting their CUSTOMERS lives again.

pmduk

rayjay01 wrote: »

I know Natwest has a new feature that allows you to withdraw emergency funds from cash points. Why the hell doesn't Barclays have this feature? They should have these things in place to prevent their CUSTOMERS from going through this.

I suspect Barclays are waiting for Natwest to sort out the fraud that's been associated with that service before going down the same route.

I'm sure local Barclays staff would be more than happy for you to move to natwest.

NB the local staff behaved unprofessionally at laughing at you, but, no aspersions or offence intended, we only know one side of the story.

lippy1923

It doesn't matter if you don't care if it was the weekend. They are not going to stay open for you. Simple as that. You chose the easiest option of making your son go, without thinking it through. Your plan failed.

We know it's your money. But your money doesn't pay enough to keep an entire branch open past the clearly stated closing time.

Move to Natwest then. I'm sure they would be happy to have you.

Hominu

rayjay01 wrote: »

You have no idea how much pain I'm currently in, having to get changed and take a car trip to the bank would have meant putting myself through even more pain.

Yet you managed it in the end; once the bank had closed, so you could have done it the first time and you would have your money by now rather than complaining about a bank which has done nothing wrong.

pmduk

The principal is that computer systems malfunction at times. No organisation or industry is immune from this. Barclays is a high street bank offering mass market products, many of which are fee-free. Few high street customers make them enough money to justify the sort of private banking functions you're demanding.

The bank bears the cost of fraudulent transactions, you can hardly blame them for being wary of potentially fraudulent transactions. Yes, it's your money, yes, you're entitled to it, during normal working hours and subject to the rules of the account you agreed to follow when opening the account.

Hominu

rayjay01 wrote: »

I should not have to create a back-up plan when I entrust my finances with people who claim to know what they're doing.

Computers fail, as you have seen. They are not going to bow down to you just because you have a bit of money with them (which is probably making them no profit at all). So its up to you to be prepared. If you don't want or can't be bothered, then its you that'll end up in a mess.

Goldiegirl

Unfortunately the person that caused the situation was the OP, by handing the card to his son.

He seems to be mad at everyone, apart from himself.

You are accusing people of being spineless, but OP, you might want to think about this. When you've calmed down, you might end up thinking you need to get some backbone and admit your culpability for this unfortunate turn of events

ColdIron

rayjay01 wrote: »

How many times do I have to say this, it's MY MONEY

Umm, technically it ceased to be your money as soon as you deposited it, you are merely a creditor

pmduk

It reminds me of the customer service truism that you're only polite and helpful if you can do what the customer wants. The minute there's a problem you're rude and/or unhelpful.

Hominu

I can just imagine the bank staff now - "Quick, he's back, lock the doors!" and then he starts banging on the windows - "You can't stop me from accessing MY money!". "Oh yes we can, come back on Monday". "But I can't eat!". "Should of thought about that before breaking our T&Cs!".

I've worked at a bank before, when someone is nice a polite, you don't mind going out of your way to help them, but when they come in all angry and snotty, you just want to get rid of them. Sometimes this means the difference between giving someone their card back and saying another one will have to be posted.