advice required

lush1

Hi im hoping someone can give me some advice, i bank with santander, on the Friday 6th february 2015 i wrote a cheque out to my employers this was banked by them late on the same day at their bank HSBC, on tuesday 10th february (2 banking days later) the cheque was showing a debit on my account early morning, there were not enough funds in the account first thing to cover it so mid morning i transfered funds from another account to cover the cheque, i checked early afternoon and although funds were now in my account the cheque was showing as a debit then a reversal (bounced) i rang santander to query the reversal as i know with natwest as long as funds are in the account by 2pm it would have been paid, santander said there was nothing they could do and that it would probably be represented. On the 13th February it was indeed represented and cleared my account (all well and good i thought) however my employers never recieved the funds. I waited till the following week and rang santander to inform them, i was told it had definatly been paid from my account and that i should advise my employers to check with HSBC as it is likely an error with them, my employers have made susequent trips to the branch and been told its definatly not in their account, they have been charged for a bounced cheque, again i rang santander and was told on march 3rd that i would have to pay a fee and get a copy of the cheque which would take 10days, as this was my only option i reluctantly agreed, the copy of the cheque was recieved by me on march 13th, however this was a copy of the cheque processing on the 10th feb where it bounced, so again rang santander, they apologised and told me i would have to pay another processing fee to obtain copy of cheque processing on 13th feb, i am now still waiting for this to arrive should be here by 25 march, however we are more than a month on now and my employers are still £470.00 out of pocket, it has caused me a huge amount of stress not to mention ruined my reputation so much so that they have asked me not to pay by cheque anymore, how can i go about making a complaint to santander if it is there fault, or can i also make a complaint to hsbc if it is there error even if i dont bank with them, and what could i expect as reasonable compensation for this error. TIA

grumbler

definitely
Have you heard of paragraphs? Bullet points?

I am no expert, but I don't see how a copy of the cheque can help in this case. It doesn't show where the cheque was cleared to. Santander paid to HSBC and should have given you some tracking infromation for this transfer for free instead of charging you for the useless copy.

If I am right, complain to Santander for giving you runaround and demand the refund of both fees: http://www.santander.co.uk/uk/help-support/complaints

In your complaint use paragraphs if you want succeed. Also, use shorter sentences. In your post one has 160 words, another - 269 :eek: