Bank banked cheque into some one elses account

Cameron2110

Ben8282 wrote: »

I am surprised that Lloyds are being so unhelpful.
The suggestion that you should ask for the cheque to be stopped is also very odd as obviously the cheque has now been paid so it is too late to stop it.
You say a 'strange' sort code and account number. When you say 'strange' what do you mean exactly? Do you mean not your sort code or account number or is there something wrong with the format of the sort code and account number?

There was an inaccurate account number written on the back of the cheque, unity trust, the issuer told me this after the cheque had been through clearing.

Lloyd's did tell me to stop the cheque, at my expense. Unity Trust basically told me to ask lloyds where my cheque was, a good question.

I have now had the cheque money paid into my account and compensation also. because of the Xmas post i haven't received the letter explaining what has happened yet.

As for other commentators saying my complaint took longer because of the amount of letters i sent -, you are wrong, i have often found when levelling complaints, to burst fire several areas of a large business, and it works every time.This time it took 9 days, i was just unsure of the financial services procedures and remedies.

I am moving banks though now, as in July this year i asked Lloyds to reclaim an unauthorised DD and the telephone operator accused me of fraud, i complained again, burst fire method, and my complaint was upheld and compensation made.

My point to the banks operators and then inevitably being replaced by machines , wasn't aimed at resolving my complaint --i said this because i can and sadly it is becoming clearer every year that banks are running from the high street,which will inevitably put people on the dole. I put this out because i dont like people being put onto the dole.

Thanks for the few on here who helped. Time to look at current accounts now.

Merry Xmas all.
:beer::beer::beer:

Cameron2110

Westie983 wrote: »

Hi,

Lloyds should be able to give you the details and process to recall the payment/cheque as you have said the cheque has been cashed in so the charity is right you will need to speak to the bank.

Can I ask though why you used the envelope system and not just paid the cheque straight in with your card or account number. If you used the envelope system did you fill out the paying in slip and include it in the envelope then it could be an issue with incorrect reading of number and paid into another account.

I would make a complaint to the bank if this has happened as the cashier hasn't seen that the account holders name is not the same, a process needed when they pay in transactions paid via the envelope system.

Keep us posted on what happens when you contact Lloyds.

Westie983

My local branch closed 3 years ago. my nearest is miles away, i work in central,Brighton, however, when i have my lunch break, lloyds is still several miles away from my place of employment.
Branch closures are the reason for this. people may call them old fashioned, but with lloyds profits, they can afford branches, its also nice to give people jobs -they have our money.

i sent my cheque through the post with my address, sort code,account number etc also this was an acc payee only cheque - this is all lloyds fault.

got cheque money back now and compo paid into my account -in lieu of letter from lloyds.

merry xmas mate.

Cameron2110

Archi_Bald wrote: »

There's your explanation for why it takes them so long to resolve your issues.

9 days, cheque money paid back+compensation payment.

Multiple methods of complaining can be combined and indeed useful.

Merry xmas.

Cameron2110

eskbanker wrote: »

And exactly how did you imagine that this might assist with getting your complaint resolved?

I dont have to justify a comment ,i make, to a bank, nor on a forum. However i have explained elsewhere.

Resolution took 9 days

eskbanker

Cameron2110 wrote: »

eskbanker wrote: »

And exactly how did you imagine that this might assist with getting your complaint resolved?

I dont have to justify a comment ,i make, to a bank, nor on a forum. However i have explained elsewhere.

Cameron2110 wrote: »

My point to the banks operators and then inevitably being replaced by machines , wasn't aimed at resolving my complaint --i said this because i can and sadly it is becoming clearer every year that banks are running from the high street,which will inevitably put people on the dole. I put this out because i dont like people being put onto the dole.

I'm not saying that your opinion is invalid, just that it seems unnecessary and inappropriate to launch a diatribe like that to a junior front-line customer service agent tasked with investigating your complaint, even if it made you feel better.

If you feel that strongly about the bank's policies, why not write to their management (as a separate matter from your complaint) rather than wasting your time and that of the CS rep? Or is this another part of your own scattergun policy, i.e. firing off messages to all corners, knowing that while one will be in the right place, the rest (by definition) won't?

Cameron2110

eskbanker wrote: »

I'm not saying that your opinion is invalid, just that it seems unnecessary and inappropriate to launch a diatribe like that to a junior front-line customer service agent tasked with investigating your complaint, even if it made you feel better.

If you feel that strongly about the bank's policies, why not write to their management (as a separate matter from your complaint) rather than wasting your time and that of the CS rep? Or is this another part of your own scattergun policy, i.e. firing off messages to all corners, knowing that while one will be in the right place, the rest (by definition) won't?

Im just going to take my money to another bank.
My approach tends to work.I sent letters to several places to pin down someone with a responsibility -in my case, a branch manager (who was off work) so his superior, then a few others within the lloyds empire. It worked.

As for suggesting a gigantic organisation change their CS policies - they need to indeed, hence paying me compo -this should be enough for them to perhaps realise?

Cameron2110

eskbanker wrote: »

I'm not saying that your opinion is invalid, just that it seems unnecessary and inappropriate to launch a diatribe like that to a junior front-line customer service agent tasked with investigating your complaint, even if it made you feel better.

Hi i have re read this portion and once again have to reply. Diatribe would suggest vicious maybe even bitter? From me? Not at all - there was plenty of this coming from the person on the phone, i imagine you were not privvy to the call?

Please dont hint that people on the other end of the phone are shrinking violets, i was barracked,spoken over and quite humiliated initially,(Much like i was earlier in the year when i was accused of fraud,and again, received compensation, to be told that somehow this whole thing was my fault,i was also very polite, being aware the call was recorded.)+
The operator then attempted to close me (im an ex sales trainers so spotted the closing technique, much to my surprise, to be honest), and when i said no i didn't want to close the complaint after the "is there any thing else i can help you with?" - the chap on the line was verbally dishevelled,aggressive and was spouting down the phone that was no need to escalate? for some reason i always assumed banks would not be highly scripted and managed organisations, now i look at the word "organisation" and find myself going "duh"

There wasn't any swearing or abuse from me, and that is why companies have people answering the phones -this is their job. And i will say again, you didn't hear the call.

Oh and they were wrong,an example being "ive called the branch and nobody remembers your cheque" - recording the call works both ways, and that last statement was a real howler and made me sit up and realise potentially , i was dealing with idiots -and with the fallout from 10 years ago, i suddenly realised that the banks, from top to bottom dont really know what they are doing -with my money. Hence i upped my game.
And you know the result now.

My major concern is finding an appropriate replacement bank - seriously, they basically have our life nowadays.

Merry xmas by the way & apologies on my grammar, i cant be arsed.

eskbanker

Just to be clear, I'm not defending the bank or the agent, and you're now painting a rather different picture of the discussion from what you'd originally said, but my point remains that moaning to a call centre employee about a bank's corporate decision to close branches, etc, is somewhat unlikely to be productive in the context of trying to resolve a complaint, even if you feel that the tone of the conversation had deteriorated - I wasn't actually accusing you of bullying (although am sure most readers will be able to draw their own conclusions about your attitude), just observing the apparent irrelevance of your comment....

pmduk

Cameron2110 wrote: »

My local branch closed 3 years ago. my nearest is miles away, i work in central,Brighton, however, when i have my lunch break, lloyds is still several miles away from my place of employment.

The geography of Brighton must have changed hugely since I lived there last century. Both North Street, and Preston Circus are both central, whilst all Post offices allow you to transact Lloyds business at their counters.

Cameron2110

pmduk wrote: »

The geography of Brighton must have changed hugely since I lived there last century. Both North Street, and Preston Circus are both central, whilst all Post offices allow you to transact Lloyds business at their counters.

Not at all -my break, which is timed because of my industry, means i do not indeed have time to go to a Lloyds in Brighton, and have lunch within my 11 hours of work, which is usally 6am until 5pm, including a 40-50 minute legal break (yes it is that precise due to Driver hours).

Ideally my local branch would be open.
Regardless, i haven't made any mistake by not going to either of those branches, though Preston circus is closing i hear.

My nearest post office is a great idea,however and i will consider this with banking with my new bank - great idea.

Merry xmas.