Yorkshire bank messed up!

Lozzy88

Thank you all for your input I have contacted the financial ombudsman who are going to contact Yorkshire bank and will give them 8 weeks to reply.

Yorkshire_Pud

Were you eligible to apply for the account with a DRO Debt Relief Order running?

Seems they failed to spot this in their credit check and you failed to mention it in your application?

£40 seems reasonable compensation and the £150 was never yours!

I wonder if YB should take responsibility for switching the DDs etc to the basic account though as their guarantee says they do it all for you.

All sounds like a frustrating mess but I'm not sure who is to blame six of one half a dozen of the other.

Best of luck sorting it.

colsten

Lozzy88 wrote: »

I did mention it in my application

are you certain about this? Have you got proof for it?

Lozzy88 wrote: »

I am more frustrated by the fact I had 2 current accounts and have now they have closed them for a their most basic account.

why did you switch 2 accounts when all you needed was to switch 1?

Lozzy88 wrote: »

I think it's took quite a long time for them to notice this as well 36 days from them doing their online checks.

it might have taken 36 days but accounts can be closed at any time. Check the T&Cs.

Lozzy88 wrote: »

The problem is now there is no new account or £40 compensation, my old account is in fact still active.

ah right, so you did not switch 2 accounts, after all?

Lozzy88 wrote: »

I have to call every person that pays money in to my account in the next 2 weeks to get them to change it to this cash account

You could have asked the bank to do the switch to the basic account. But just how many persons pay money into your account? Surely it doesn't take long to tell people what your new sort code and account number is. You don't mention switching DDs and SOs, don't you have any of these?

Lozzy88 wrote: »

to my shock neither my new account or my £40 exists

Crediting a goodwill payment can take a day or two. But why did you leave the bank without at least knowing the sort code and account number of your basic account?