Stung by halifax web saver reward scam. Advice?

Dr_Cuckoo3

another one
http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=5427

opinions4u

Dr_Cuckoo3 wrote: »

unnecessary clutter ?

would you order a cheque book on a current account used purely for savings (due to the current account interest rate being higher than savings accounts) ?

It was a rate motivated action.

helifox

Dr_Cuckoo3 wrote: »

The OP's complaint appears on the Financial Ombudsman website

http://www.ombudsman-decisions.org.uk/viewPDF.aspx?FileID=10785

Thanks. I didn't realise I could see that. Interesting that the banner advert is never mentioned. Nor is it clear which version of the application the ombudsman was looking at, Since he feels everything was clearly spelt out, perhaps Halifax sent him the post August 6th version... The FO adjudicator who originally looked at our complaint took forever, and then apologised saying that he hadn't received voice messages and emails due to a technical error - and that he was now leaving the service, and passing our case on to another adjudicator. The second adjudicator also complained of issues with their server...
I requested they ask Halifax for the ad. since I couldn't get it, but I don't think they did. Were I immortal, I might spend time complaining about their service. However..

helifox

Does anyone else have an opinion about the Banking: Conduct of Business sourcebook (BCOBS) that Blind leading the Blind told me about? Halifax appear to be contravening its spirit.

Archi_Bald

The banner is irrelevant because you didn't apply using the banner. You applied using the application form you posted. You decided to ignore the "IMPORTANT" notice on that form. You now want to hold Halifax responsible for your decisions, and you accuse them of a scam (ref your thread title).

Archi_Bald

helifox wrote: »

Look up online Jo Thornhill article: Beware catch on Halifax online savings account - one wrong click and your rate drops 0.25% july 3 2011

Here's the link to that article http://www.thisismoney.co.uk/money/saving/article-2010802/Account-rate-crashes-wrong-click.html

Although this one appears to be quite factual, Daily Mail articles aren't typically well respected on this part of the MSE forum.

Gromitt

helifox wrote: »

Admittedly I should have read everything on the screen - but I thought I was following clear instructions. I was in rather a hurry

I can just imagine that in court:
"Did you read the text at the top of the page where it says IMPORTANT in bold letters?"
"No, I didn't have time, I was in a hurry"
"Case closed"

Your never going to get your £1000 back, forget it and move on.

Next time don't apply for things whilst your in a hurry.

Dr_Cuckoo3

FOS are incompetent bank lovers who will agree with the bank's version of events in respect of it's T&C and literature

I have experience of the FOS

The cases on http://www.ombudsman-decisions.org.uk are consistent with my experience

I have used the courts where the FOS has been rubbish

I received the full amount sought using the court , the awards on the FOS site are rubbish compared with the courts

If the FCA uphold your complaint and inform you of this then this will be useful in court as is the case with an ICO letter (para 4) http://www.ico.org.uk/for_the_public/personal_information/compensation

In respect of at least two complaints I have proved that the bank had mislead the FOS (one bank due to being thick and the other deliberate)

FOS are rubbish

This forum has more BCOBS information
http://www.consumeractiongroup.co.uk/forum/content.php?824-Does-your-bank-play-fair


I am aware as "atush" states that the application may be different when logged in and a clearer screenshot would be useful http://tinypic.com/

Archi_Bald

Dr_Cuckoo3 wrote: »

FOS are incompetent bank lovers

FOS are rubbish

You not worried that the FOS could take exception with statements like these? They can easily identify you if they want to.

jem16

Dr_Cuckoo3 wrote: »

here - and earlier

All of which, apart from the post by opinions4u were after my post.