Bank account closed- and they are NOT RETURNING MY MONEY

colsten

Mrs_Arthur_Crown wrote: »

Totally different scenario, but Royal Bank of Scotland "accidentally" made an account of mine dormant. Three years' on, and I am still trying to get them to give me my money back (and I paid a solicitor for a while to try and apply some leverage but she had the same response). Ombudsman fired a warning shot, but still nothing. I am still working on it!

The bank haven't made your bank dormant rather than closed it completely, have they?

3 years?

And FOS have only "fired a warning shot"?

eskbanker

colsten wrote: »

Mrs_Arthur_Crown wrote: »

Totally different scenario, but Royal Bank of Scotland "accidentally" made an account of mine dormant. Three years' on, and I am still trying to get them to give me my money back (and I paid a solicitor for a while to try and apply some leverage but she had the same response). Ombudsman fired a warning shot, but still nothing. I am still working on it!

The bank haven't made your bank dormant rather than closed it completely, have they?

3 years?

And FOS have only "fired a warning shot"?

Agreed, this doesn't make any sense on the face of it!

Once a bank issues its final response to a complaint, the complainer can (and should, if still unhappy) escalate to FOS, and if the initial FOS response is inadequate then it should be escalated within FOS so that an ombudsman makes a final decision that's binding on both parties, and these are published in a searchable register at https://www.ombudsman-decisions.org.uk/.

So, if this case has gone through that stage, then what's the decision reference number?

If it hasn't been pushed to that stage, why not?

Marchitiello

brianposter wrote: »

Turns out that Fidor have no UK office, so for me, they should not be advertising a "full UK current account".
I complained to the ASA who say that they do not have jurisdiction but have passed the complaint to the FCA - who do not reply to retail complaints.

I am not familiar with Fidor but another EU bank used the same or similar term to indicate that the account had full UK sort code and account number rather then just the IBAN used within SEPA, and made it very clear that it was not a UK bank, but regulated in a similar way (protected deposit up to €100k instead of the UK £80k)