TSB direct debit problems?

boo_star

I've been paying them manually, and close to the statement date, since their issues began. As I was looking at buying a house I wasn't willing to take the risk of any incorrect adverse information being added due to their issues.

JustAnotherSaver

They could be paid manually, but they shouldn't have to be.


Anyway, anyone have any idea regards what i asked about forwarding it to the financial ombudsman (or whoever you forward it to once you get no joy with the bank or are not happy with their response)?

Willing2Learn

If you have made an official written complaint to TSB, and eight weeks have passed, then I would escalate to the FOS...

PixelPound

Manual payments can stop the DD, depending on when done. Whilst they shouldn't have to be, think I'd rather do it that way than having to chase why a DD wasn't taken and the problems that caused.

JustAnotherSaver

Willing2Learn wrote: »

If you have made an official written complaint to TSB, and eight weeks have passed, then I would escalate to the FOS...

What would you expect from the FOS?


The issue to be rectified?


Compensation in terms of money?


Both?


The bank have always sorted the problem for me. I've never had to think about going to the FOS.

nic_c wrote: »

Manual payments can stop the DD, depending on when done. Whilst they shouldn't have to be, think I'd rather do it that way than having to chase why a DD wasn't taken and the problems that caused.

That's great & all ... but it's done now. Can't go back in time and undo it.

PixelPound

JustAnotherSaver wrote: »

What would you expect from the FOS?

The bank have always sorted the problem for me. I've never had to think about going to the FOS.

Wasn't it you who asked about going to FOS?

JustAnotherSaver wrote: »

Out of curiosity ...
1) At what point do you forward it to the financial ombundsman or whatever they're called?
2) What would you expect to receive from them once forwarded?

Like i said, a complaint went in to TSB some time ago & they've sent 2 letters on the back of that saying they're snowed under with complaints & they'll deal with it, so on & so forth, but in the meantime the direct debit still isn't taken, interest is still charged & it just continues.

So you've raised a complaint, and had acknowledgement it's been handled, not sure FOS will get you any further at this time. They have 8 weeks (40 working days), but have kept you informed. Complaints can take longer than 8 weeks and you can't simply escalate it because they've taken longer unless they don't keep you informed.

You are aware of the issue so can make manual payments if you like. Yes you shouldn't have to if you don't want to, then don't, as I'm sure TSB told you you won't be out of pocket. They will most likely refund interest payments and if you make them aware of other losses caused by the DD not being taken they will take that into account when dealing with this.