Bank messed up do they owe me compensation please help

Bruce1990

They admitted they missed that direct debit out by mistake and do dint put in for my natwest account to be closed so why am I to blame.

Dr_Cuckoo3

Bruce1990 wrote: »

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

For Direct Debits were the options ;

1, transfer ALL direct debits

or

2, transfer SELECTED direct debits (usually results in the new bank obtaining the DD list from the old bank and asking which ones you want to transfer)

If it was for ALL direct debits then the bank will be at fault unless the company you are paying has obstructed the transfer (eg Council Tax) , in which case it is not clear cut (but they may be under obligation to inform you)


So , you need to check whether the DD was to an organisation which may obstruct the transfer (eg Council Tax) - you could name the DD company here if you are unable to rule it out yourself

jonesMUFCforever

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.

How do you not know that the bank did send the amended details to the D/D originator but it was the originator which did not act on it (Believe me this is very common)?

Did you get a copy of the direct debits which were to be switched?
Did you agree for a date for the old account to be closed?

YorkshireBoy

jonesMUFCforever wrote: »

Did you agree for a date for the old account to be closed?

I didn't think you were allowed to choose a closing date back when the OP switched. Isn't that a new thing with the 7-day switch guarantee?

Bruce1990

I asked for all direct debits to be transferred and it was a phone company 02 and asked for bank to be closed ASAP no letters received all other direct debits came out my new account without a problem

jonesMUFCforever

YorkshireBoy wrote: »

I didn't think you were allowed to choose a closing date back when the OP switched. Isn't that a new thing with the 7-day switch guarantee?

No under the old system certainly with my bank a date was agreed for the old account to be closed.

Dr_Cuckoo3

Bruce1990 wrote: »

I asked for all direct debits to be transferred and it was a phone company 02 and asked for bank to be closed ASAP no letters received all other direct debits came out my new account without a problem

read this thread

https://forums.moneysavingexpert.com/discussion/comment/53178231#Comment_53178231

adamc260 wrote: »

When I moved bank I was sent a letter saying everyone had switched bar o2..

I still think the bank is at fault by not informing you

jonesMUFCforever

Bruce1990 wrote: »

I asked for all direct debits to be transferred and it was a phone company 02 and asked for bank to be closed ASAP no letters received all other direct debits came out my new account without a problem

I would suggest therefore that you ask the new bank for copies of the letters that should have been sent to you. The error being a mobile phone company does not surprise me at all!!!

It is purely my opinion that the bank did ask for the D/D to be changed but that O2 did not act on this. (This is an electronic system why would they leave one off)

If a date was agreed to close the old account the bank could not do this if it was overdrawn because of debit balance.

Banks also do not stop paper statements unless customers ask to do so via Internet banking or the customer agrees to it.

Did you at anytime think - s od this it's not my fault I won't have to pay? If so please think again.

Establish exactly who is at fault here then ask them to reimburse you the charges - the D/D amount you should pay as this will be sitting in your new bank account.

innovate

Bruce1990 wrote: »

........all other direct debits came out my new account without a problem

I am sorry but your story is not very credible. On the one hand, you seems to confidently say that all other DDs worked ok from your new account, but you didn't notice for several months that your O2 DD didn't come out of your Halifax account?

Initially you said you logged into your old Natwest account because you had 'a bad feeling' one night. A couple of posts later, you report you logged into your account by mistake when you were meant to log into your partner's account.

If you want to get anywhere with a claim, at least get a credible and consistent story together. And please use some punctuation so people stand a better chance to understand what you are trying to say.

Bruce1990

That's what I thought I've had yo run round like a blue !!!! fly last couple of days to sort it out. 2hours of phone calls got a headache wish I stayed with natwest now