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

Noble_Savage

JuicyJesus wrote: »

I think you're safe for the moment since we're getting option 3 - radio silence.

Quite. I suspect they're hoping we'll eventually tire of the discussion and this thread will gracefully subside down the board.

Which won't happen straightaway, as by replying to this I'll have bumped it back to the top.

Oops.:D

JuicyJesus

Always works that does. Like how people on the renting board stopped talking about Sunil Dhown of IRD Homes after he told everyone he didn't want people on the Internet talking about Sunil Dhown of IRD Homes any more, and as such nobody dares mention Sunil Dhown or his company IRD Homes any more.

alanq

I don't know about now but in the distant past it used to be possible to get cheques that one had issued returned after clearing. These at the very least were stamped with the details of the bank branch at which they were deposited.

I assume that these days in case of dispute one could get an image of a cheque. Would that bear any information that would breach DPA?

JuicyJesus

alanq wrote: »

I don't know about now but in the distant past it used to be possible to get cheques that one had issued returned after clearing. These at the very least were stamped with the details of the bank branch at which they were deposited.

I assume that these days in case of dispute one could get an image of a cheque. Would that bear any information that would breach DPA?

Unlikely due to this reason. Generally cheques will have a codeline imprinted on them which contains a bank-specific cheque identifier, rather than a sort code and account number.

If they didn't, and the cheques contained the crediting sort code and account number, then the bank could be justified in refusing to issue a copy as it contains details of another person. Could. This is far less settled than the above debate was.

NP1

innovate wrote: »

Between the lines, I read a lot of sour grapes, and it sounds like they were a major contributor to this article.

The only sour grapes, buddy, are the ones hiding down your pants.

(I'm sorry, I just couldn't resist, I'm sure you're a nice guy).

anotheruser

This article reminds me of this:

Bob_Incredible wrote:

I'd like to help you but I can't. I'd like to tell you to take a copy of your policy to Norma Wilcox on... Norma Wilcox, W-I-L-C-O-X... on the third floor, but I can't.

I also do not advise you to fill out and file a WS2475 form with our legal department on the second floor. I would not expect someone to get back to you quickly to resolve the matter. I'd like to help, but there's nothing I can do.

LittleVoice

from the blog,

I know from working in a branch that you can pay in a cheque on someone else’s
behalf

.

Funnily enough even without having worked in a bank branch I know you can pay in a cheque on someone else's behalf. However I also know you need the account number and sort code.

Also from the blog,

"You storm into your local branch and vent your frustration. A bemused cashier then searches on the screen and replies: "I’m not sure what is wrong, I’ll get a new card sent to you."

Is this meant to say that "storming" is acceptable behaviour. If it is, then a cashier denying you access to the card for a period seems perfectly reasonable punishment. Also I've never had a cashier suggest sending a new card in response to a report that a transaction had been declined. However, on the other hand, I don't bank with Santander any more given poor service received from them in the past (like not being able to locate my savings account - when I did have the account number etc). I haven't even been temped by the 1-2-3 account benefits.




(Thought I'd pop this thread to the top again.)

Herbalus

I'm still surprised that she left frustrated. Surely if she used to work there and presumably knows how things work, she'd know exactly to expect difficulties like everybody else. No doubt she had frustrated customers when she worked for Santander and knew she could do nothing to appease them, so why would it be different for her?

It sounds (can't tell, mind) to me like she expected privileges or an easier ride because she used to work there.

rb10

There's an interesting Facebook comment at the bottom of the original blog post:

Brilliant article MSE Eesha, I'm going to use your advice and tips when I'm in similar situations with my bank

I'm unsure whether it's spam or if there's actually someone who genuinely thinks it's a good article...

Vortigern

rb10 wrote: »

There's an interesting Facebook comment at the bottom of the original blog post:
I'm unsure whether it's spam or if there's actually someone who genuinely thinks it's a good article...

Not spam. Probably sarcasm (or a sock puppet)