Bank messed up do they owe me compensation please help

Bruce1990

Sorry yes I do have writing issues i have learning difficulties does that make you feel better

YorkshireBoy

It's only very recently (with the 7-day switch service) that accounts were closed as part of the process, so wasn't automatically closed back when you switched accounts.

So, to a fundamental question...

Did you sign a form which Halifax would have then posted to NatWest? Or were you given a form to post off to NatWest yourself and mislaid it?

If the former, then it might be Halifax's fault for not sending it. Then again, it could be Royal Mail's fault for not delivering it. Then again, it could be NatWest's fault for not acting on it.

If the latter (and you won't be able to answer that question now) then it's your fault.

So, who are you holding to account (apart from yourself, for the reasons already given above)?

Dr_Cuckoo3

Would anyone use a "switching service" or sign a "switching form" if they are not moving direct debits / standing orders to the new account and/or closing the old account ?

What is the point of the "switching form" if none of the above apply ?

OP states that "Halifax have admitted it's their fault"

Nat West online banking has access to PDF statements going back many years if the account is still open (not the case for closed accounts)

Were any Direct debits switched or did the OP only have the one DD mentioned in the original post (the one that caused the £270 OD )?

Valli

I suggest you complain formally, in writing, to the bank stating where and how they have failed to provide the service you expected them to provide.

They will either uphold (accept) your claim or reject it.

If they uphold it they may offer compensation.

If they reject it you can complain to the FSA.

I suggest you get someone to help you compose the letter you send if you decide to go down that route. Basically you need to quote the pertinent facts.

Bruce1990

They moved all the direct debits but one and didn't fill out the form correctly it was all done in branch by a member off staff by a appointment she was suppose to fill out the forms and hand it over to the switching team she said all I needed to do was to sign up to to my new account and everything would be dealt with by the switching service what could I check the direct debit was only a small payment so didn't notice it they have admitted its one big !!!! up by them.

ColdIron

Troll methinks

Dr_Cuckoo3

Bruce1990 wrote: »

They moved all the direct debits but one and didn't fill out the form correctly it was all done in branch by a member off staff by a appointment she was suppose to fill out the forms and hand it over to the switching team she said all I needed to do was to sign up to to my new account and everything would be dealt with by the switching service what could I check the direct debit was only a small payment so didn't notice it they have admitted its one big !!!! up by them.

Sometimes the company being paid by direct debit hinders the switching process

Does "didn't fill out the form correctly" only refer to this particular direct debit ?

It may be the company being paid by direct debit that has caused the problem

27col

ColdIron wrote: »

That's the longest sentence with no punctuation I've seen for ages

No, there are people on here who can write four times that length without the slightest sign of any punctuation.

Dr_Cuckoo3

An example of direct debits that "may "not be switched using the bank's switching service are Council Tax direct debits

rb10 wrote: »

Certain organisations (local councils are often a culprit) refuse to act on the advice of a bank, and instead require you to contact them directly.

It should just take a quick phone call or letter.

Bruce1990

Got told over phone by the manger it was a member of staff fault for telling natwest not to close account and cancel the direct debit fault that's all I know I no