TSB banking problems

gunsandbanjos

I assume you've simply been asked for proof of entitlement OP?

Just supply that and you can be on your merry way, don't see the need for the melodrama.

Ben8282

Some observations.
I assume it was just coincidence that the debit card became blocked during the OP's trip to Wales but nevertheless am very surprised that he possessed no other debit or credit card that he could have used to pay for his petrol and instead was forced to borrow money. It is very unusual for an individual to go on a trip and rely on a single debit card, even if he does have almost 20K in the account.
The OP states that TSB believe that he hacked into the other account to make the transfer. Surely this is a highly unlikely scenario? In order to have done this he would have had to have access to the other person's internet banking passwords and the ability to set up a new payee which usually requires some sort of additional security measure (such as an automated confirmation phone call or a card reading device). What sense does it make for him to have gone to all this trouble in order to transfer £20 into his own account to which the payment would have been so easily traced?

Brooker_Dave

paragon909 wrote: »

If I had 20k in a bank and a business, No offense people.... But I certainly wouldn't be coming here for advice, If someone has all that money and business etc you would be in the branch talking to the branch manager and would be well known to the local branch....

£20k is nothing these days, the days of bank managers are over these days, all decisions are taken in some office somewhere far away.

Brooker_Dave

Ben8282 wrote: »

Some observations.
I assume it was just coincidence that the debit card became blocked during the OP's trip to Wales but nevertheless am very surprised that he possessed no other debit or credit card that he could have used to pay for his petrol and instead was forced to borrow money. It is very unusual for an individual to go on a trip and rely on a single debit card, even if he does have almost 20K in the account

I've never been one for credit cards, just having one account suited me.

Good news is that after I went back to the branch, and submitted a complaint, about 4 hours later someone from the complaint dept rung me to say I was unfrozen, blamed the other bank, and went to extreme lengths to deny responsibly for just about everything, said relationship manager would ring to explain everything, but they didn't, so I'll never know the true story, but time to get a new bank.

fanheater

Suggest you push for some kind of compensation from TSB. Nothing formal, just sound angry and let down and maybe they'll give you an account credit.

chambta

Brooker_Dave wrote: »

£20k is nothing these days, the days of bank managers are over these days, all decisions are taken in some office somewhere far away.

If you do nothing else when this is all sorted open an account with another bank as a back up.

Without wishing to join the bandwagon saying this (though failing) I have at least five card options in my wallet should I have a problem.

basil92

Brooker_Dave wrote: »

£20k is nothing these days, the days of bank managers are over these days, all decisions are taken in some office somewhere far away.

Most likely the room where the computer says 'No'.....

Brooker_Dave

fanheater wrote: »

Suggest you push for some kind of compensation from TSB. Nothing formal, just sound angry and let down and maybe they'll give you an account credit.

They say they are going to send me a letter to confirm I'm not on any sort of blacklist and that I'm innocent of any wrong doing.

The people and manager at the branch were superb, its just the dealing by phone thing and the people on the end of the phone who are really second rate.

When all is said and done, I've wasted a morning, and a load of petrol, and I'll have to pay £12 fees on an incoming cheque I managed to get stopped, so tops I'm out by £100, and missed work, and the person who rung up seemed more concerned with denying tsb had done anything wrong than much else, so not much hope of compo

colsten

Brooker_Dave wrote: »

I've never been one for credit cards, just having one account suited me.

You don't have to have a credit card although I would say I wouldn't want to do without one. My CCs pay me cashback, and as I always pay them off in full, they cost me nothing in interest.

Having just one current account and no credit card is an invitation for trouble, as you can get stranded with no access to any money, for a number of reasons.

If you choose to restrict yourself to a single current account and no credit card, you have to live with the consequences. You are also likely to lose out on interest payments if you keep £20K in TSB. Make your bed now lie in it.

colsten

Brooker_Dave wrote: »

..... said relationship manager would ring to explain everything.....

Which TSB account comes with a relationship manager?