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Faster Payments Down

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  • unrecordings
    unrecordings Posts: 2,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 20 January 2019 at 12:45PM
    That's why I rang - to get clarity and submit a formal complaint - which includes that lack of messaging within their online realm. General advice: I'd say if you're in any doubt and can't afford to deal with the consequences of a double payment - call the bank and get their current advice (double payments can be reversed but we all know it's a major faff...)

    Edited to add: Just noticed wavelets note about evidence of a called complaint. They do actually turn that into an official Ofstead (or Ofcom or whatever) complaint. They send you a copy letter of that complaint and offer to text you the reference number there and then

    Why am I in this handcart and where are we going ?
  • wavelets wrote: »
    But there is twitter :)

    Last message on @AskLloydsBank

    I'd be tempted (but really can't be bothered) to look back through their feed and see if their tweeter works at weekends
    :rotfl:

    (although that might have been the point of your post)

    Why am I in this handcart and where are we going ?
  • eskbanker
    eskbanker Posts: 37,059 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just noticed wavelets note about evidence of a called complaint. They do actually turn that into an official Ofstead (or Ofcom or whatever) complaint. They send you a copy letter of that complaint and offer to text you the reference number there and then
    If you log a complaint with Lloyds (or any other bank) then it won't be shared with any other body, unless the complainant chooses to escalate it to the Financial Ombudsman Service if the bank fails to deal with it adequately within their published timescale (typically eight weeks).

    The regulator (the Financial Conduct Authority) will ultimately have sight of aggregated complaint volumes if that's perhaps what you meant?
  • unrecordings
    unrecordings Posts: 2,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 20 January 2019 at 1:11PM
    eskbanker wrote: »
    If you log a complaint with Lloyds (or any other bank) then it won't be shared with any other body, unless the complainant chooses to escalate it to the Financial Ombudsman Service if the bank fails to deal with it adequately within their published timescale (typically eight weeks).

    The regulator (the Financial Conduct Authority) will ultimately have sight of aggregated complaint volumes if that's perhaps what you meant?

    Not sure - just going by what they said on the phone - by the time that letter shows up though, the horse will have well & truly bolted

    Why am I in this handcart and where are we going ?
  • wavelets
    wavelets Posts: 1,164 Forumite
    1,000 Posts Combo Breaker
    I'd be tempted (but really can't be bothered) to look back through their feed and see if their tweeter works at weekends
    :rotfl:

    (although that might have been the point of your post)

    Yes, my second post indicates that the twitter account is in active use right now. - replying to others
    -although they've not updated their advice on the front page.

    However, I've just captured a tweet saying if the payment wasn't sent, then it's now safe to resend
    (middle tweet in image from author 'TC')

    lloydsdowndetector-20190119-2.jpg

    If the image is difficult to read it says
    Lloyds Bank @AskLloydsBank

    Replying to @jbraddish_
    Hi, I'm TC. Sorry for the delay in replying. All issues have now been resolved and all payments in and out should now have been processed. If they haven't it should be safe to make the payment again or get in touch with the sender to redo their payment.
  • wavelets
    wavelets Posts: 1,164 Forumite
    1,000 Posts Combo Breaker
    Here's the Twitter conversation I mentioned above

    Lloyds-Twitter-Convo20190119.jpg
  • wavelets
    wavelets Posts: 1,164 Forumite
    1,000 Posts Combo Breaker
    Having posted the above, I think i should draw MSEers attention to Lloyds Bank Social media terms of use
    30. ... we do not warrant that any content posted by us is accurate, complete, or up to date. We will have no liability to you if it is not.
    But then again ...
    35. Nothing in these terms shall exclude or limit our liability for:
    ...
    (c) misrepresentation as to a fundamental matter; ...
    https://www.lloydsbank.com/privacy/social-media-terms-of-use.asp

    Clear as mud...:cool:
  • unrecordings
    unrecordings Posts: 2,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    just like their use of "should" compared to the call centre's "will"

    clause 30 protects them from 'should be working again' when it isn't, but 35 prevents 30 from protecting them if they tweet '£10k up for grabs if you open an account today' - depending of the definition of fundamental of course

    Why am I in this handcart and where are we going ?
  • No_6
    No_6 Posts: 835 Forumite
    Part of the Furniture Combo Breaker
    looks like some of the above are panicking

    or is it just me
  • K80_Black
    K80_Black Posts: 466 Forumite
    100 Posts
    edited 21 January 2019 at 9:37AM
    Anyone know if this is affecting Starling, or is my problem an unconnected one? Paid off my CC on Friday morning, usually done within 2 hours and still showing as pending on Starlings end.

    Edit: whether related or not, it's gone through now. Phew.
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