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  • OceanSound
    OceanSound Posts: 1,482 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    eskbanker wrote: »
    And just look at who's a disproportionately significant contributor to that ;)

    https://forums.moneysavingexpert.com/discussion/comment/74679644#Comment_74679644
    colsten wrote: »
    Don't be ridiculous.
    Look who said this:
    [URL="https://forums.moneysavingexpert.com/discussion/5883823you don't care less then why do you feel the need to repeatedly rant about 'attackers', dismissing valid and politely-expressed points as 'ridiculous' .....[/URL]
    Any guesses?
  • boo_star
    boo_star Posts: 3,202 Forumite
    Part of the Furniture 1,000 Posts
    OceanSound wrote: »
    You have. Things change!

    And you never have.

    If you think a bank is going to risk the wrath of the FCA for what amounts to peanuts in interest you're delusional.

    This thread shows that it doesn't work, the cost of dealing with an unhappy customer clearly outstrips the money they can make holding onto someone else's money for a couple of months.
  • OceanSound
    OceanSound Posts: 1,482 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    boo_star wrote: »
    .......If you think a bank is going to risk the wrath of the FCA for what amounts to peanuts in interest you're delusional.

    This thread shows that it doesn't work, the cost of dealing with an unhappy customer clearly outstrips the money they can make holding onto someone else's money for a couple of months.
    boo_star wrote: »
    If you think a bank with probably billions in customer deposits thinks like that you've never worked for one.

    I have, they don't think like that.
    Have a look at this:
    [URL="https://forums.moneysavingexpert.com/discussion/5883823only ever used [the FOS] once to get Bank of Scotland to release my savings from a fixed term account, Bank of Scotland would not give me my money back for anything in this world... So had to go to FOB and they got them to release it.[/URL]

    When you were/are in a bubble, probably not hard to miss.
  • boo_star
    boo_star Posts: 3,202 Forumite
    Part of the Furniture 1,000 Posts
    OceanSound wrote: »
    Have a look at this:


    When you were/are in a bubble, probably not hard to miss.

    The clue is in the description "fixed term."
  • OceanSound
    OceanSound Posts: 1,482 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    boo_star wrote: »
    The clue is in the description "fixed term."
    No. It's in the terms and conditions. Do you really think FOS would have made the bank release the funds if they were sticking to the terms?.

    BTW, are you sure you used to work for a bank?
  • boo_star
    boo_star Posts: 3,202 Forumite
    Part of the Furniture 1,000 Posts
    OceanSound wrote: »
    No. It's in the terms and conditions. Do you really think FOS would have made the bank release the funds if they were sticking to the terms?.

    BTW, are you sure you used to work for a bank?

    Yes.

    The FOS are more about "fairness" than they are about rigidly sticking to the terms and conditions.
  • eskbanker
    eskbanker Posts: 37,756 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    OceanSound wrote: »
    Look who said this:

    Any guesses?
    Your point being?

    In that other thread I was calling out a poster for (among other things) dismissing valid points as being ridiculous.

    In this thread colsten rightly referred to silly conspiracy theorist nonsense as being ridiculous.

    No comparison....
  • OceanSound
    OceanSound Posts: 1,482 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    boo_star wrote: »
    Yes.

    The FOS are more about "fairness" than they are about rigidly sticking to the terms and conditions.
    So obviously the clue is strictly not just in the title.
  • OceanSound
    OceanSound Posts: 1,482 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    eskbanker wrote: »
    Your point being?

    In that other thread I was calling out a poster for (among other things) dismissing valid points as being ridiculous.

    In this thread colsten rightly referred to silly conspiracy theorist nonsense as being ridiculous.

    No comparison....
    The other thread post offered an explanation to their subjective opinion. In this thread your friend only offered his subjective opinion in a rude and brusque manner. That's the difference.
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