MSE Blog: How to get what you want from your bank – some insider tips

opinions4u

grumbler wrote: »

It contains the name and the address - if this combination was sufficient for identifying the account. As I said, it was purely theoretical.

Which returns us to the issue of a customer having multiple accounts.

"She was meant to pay it in to my current account but you paid it in to my savings account that she doesn't even know about. Now I've got bounced direct debits, bank charges and debt collectors after me - I need you to put me back in the position I would have been in if you hadn't made this error" - charge refunds, ex-gratia payment, compensation for any on costs etc.

This is theoretical too, but pretty unrealistic IMO. If you deposit a cheque to your own account I don't think you can come back and to get it back.
I disagree, but this is OOT.

Believe me, if a bank leaves a chink in it's makeup on this sort of thing the fraudsters will move in to it. Always have done. Always will do.

grumbler

opinions4u wrote: »

Which returns us to the issue of a customer having multiple accounts.

This has never been an issue in this thread.
If the account cannot be identified by the information given, then I agree that deposit has to be rejected.
That said, theoretically I don't dismiss a possibility that this can be done if the depositor clearly states from the start: "Any account of Mr.XXX living at YYY" and the receipt contains the same information.

opinions4u

grumbler wrote: »

This has never been an issue in this thread.

It was used to try and explain how disclosing that an account exists is a clear breach of the DPA. It was a point that needed to be laboured.

If the account cannot be identified by the information given, then I agree that deposit has to be rejected.
That said, theoretically I don't dismiss a possibility that this can be done if the depositor clearly states from the start: "Any account of Mr.XXX living at YYY" and the receipt contains the same information.

I do. It's a bonkers idea. Any bank or building society that adopts it will be scammed by the unscrupulous and will, sooner or later, end up with a raft of DPA complaints.

Anyway, I've challenged the attempt to get a bank staff member to breach the DPA in this blog. I'll leave it there.

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Did the new employee at MSE also say "Most advisers sitting at desks aren’t busy"? Wow. What on earth was this deputy branch manager doing allowing queues to build up while staff are sat there doing nothing? I'm sure it's possible for one slacker to slip under the radar, but a branch full?

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Noble_Savage

opinions4u wrote: »

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Did the new employee at MSE also say "Most advisers sitting at desks aren’t busy"? Wow. What on earth was this deputy branch manager doing allowing queues to build up while staff are sat there doing nothing? I'm sure it's possible for one slacker to slip under the radar, but a branch full?

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I'm so glad you picked up on this point o4u.

I thought this was ludicrous, too. I wonder what on earth the author actually did at Santander? For every slacker sitting there apparently doing nothing while a queue builds, there will be many others updating notes on a customer's records, completing returns for Head Office, processing applications or some other form of admin.

We can argue the point about whether they should be serving customers (in many cases they will be, just not face to face), but to say they're doing nothing is daft in the extreme.

Very poor article and I'm surprised it got through MSE's editorial process.

JuicyJesus

Noble_Savage wrote: »

Very poor article and I'm surprised it got through MSE's editorial process.

Why? I'm not.

Noble_Savage

Fair point. This isn't the place it used to be...

veryintrigued

Some burnt bridges and ex colleagues off Christmas card lists here!!

JuicyJesus

I wonder if MSE are going to issue any sort of comment on this, given it appears to be stunningly irresponsible, factually suspect and mainly predicated on the bitterness of the writer?

innovate

They could be too busy burning effigies of certain MSE forum members?

JuicyJesus

innovate wrote: »

They could be too busy burning effigies of certain MSE forum members?

If they want to burn effigies of Jesus then they'll have more to worry about than my posts...