TSB Classic Plus for new members + Quidco Cashback = Free £95

dcs34

TSB Account Opened 24/11/2019.
Payment Expected 18/02/2020.
Payment Declined 18/01/2020.
Claim raised with Quidco CS as at the time the claim form was not functioning correctly 20/01/2020.
This has now been passed on to the retailer 21/01/2020.
Only one TSB account via Quidco offer and one existing TSB 'plus' current account

So the pattern seems to be the payment is declined approximately 2 months after opening, 1 month before the cashback is due.

If I had to speculate, I would hazard a guess that there is no workable mechanism between Quidco and TSB to properly verify people are paying in the £500/m and doing 2x transactions/month. This is compounded by the situation where people had existing accounts, and hence the new TSB user accounts have eventually been merged with existing TSB user accounts. What account/user properties (AN, SC, timestamp, username, email, etc.) TSB are using to track new accounts back to the original Quidco claim information has become all muddled in this confusion. So Quidco sends TSB a list of potential cashback claimants, but as far as TSB can tell this is a list of nonsense, and they can't verify people - leading to the mass-rejections.

Yorkshire_Pud

dcs34 wrote: »

TSB Account Opened 24/11/2019.
Payment Expected 18/02/2020.
Payment Declined 18/01/2020.
Claim raised with Quidco CS as at the time the claim form was not functioning correctly 20/01/2020.
This has now been passed on to the retailer 21/01/2020.

So the pattern seems to be the payment is declined approximately 2 months after opening, 1 month before the cashback is due.

If I had to speculate, I would hazard a guess that there is no mechanism between Quidco and TSB to properly verify people are paying in the £500/m and doing 2x transactions/month. This is compounded by the situation where people had existing accounts, and hence the new TSB accounts have eventually merged with existing TSB accounts. TSB can no longer track new accounts back to the original Quidco claim information. So Quidco sends TSB a list of potential cashback claimants, but as far as TSB can tell this is a list of nonsense, and they can't verify people hence leading to mass-rejections.

Makes sense. Brilliant!
Hence the ‘new’ requirement to furnish Quidco and I suppose ultimately tsb with our account numbers and sort code which they haven’t a clue about linking up to the tracked Quidco cashbacks in our Quidco accounts which have their own identifying reference numbers, UNLESS we tell them!

Therefore 100% declined cashbacks made to stimulate claims to obtain the information they haven’t got in time for the 90 day period end as per t&c.

That would explain why the new boxes have been created for sort code and account numbers in the last day or so as these people attempt to stitch back together their wayward offer.

Once tsb have the account details they can review whether payments, transactions, paperless etc have been adhered to. So everyone don’t give up and do carry out all the funding and transactions due in February and if appropriate subsequent months.

Great thinking sir or madam.

No wonder mr Quidco representative has gone awol from his own designated thread on here. They must know exactly what’s going on!

Beachboy87

Well mine was a brand new tsb account so no merging with another account and it was still declined.

colsten

dcs34 wrote: »

TSB Account Opened 24/11/2019.
Payment Expected 18/02/2020.

The 'payment expected' date should never have been less than 90 days (and then some) from the application date. This looks like a Quidco programming error to me. I noticed that not all the tracked TSB transactions have an 'expected payment' date. Sometime between November 24 and November 30, they appear to have stopped assigning that date to the TSB applications

dcs34 wrote: »

......This is compounded by the situation where people had existing accounts, and hence the new TSB accounts have eventually merged with existing TSB accounts.

No accounts were actually merged. Each application results into a unique sort code + account number. Only the online access to all the accounts has been merged in some cases. TSB know very well which current accounts relate to which Quidco transaction. In addition, apart from the account numbers, there will also be timestamps on the accounts and on the Quidco transactions.

colsten

Yorkshire_Pud wrote: »

Makes sense. Brilliant!
Hence the ‘new’ requirement to furnish Quidco and I suppose ultimately tsb with our account numbers and sort code which they haven’t a clue about linking up to the tracked Quidco cashbacks in our Quidco accounts which have their own identifying reference numbers, UNLESS we tell them!

I don't believe for one minute that they are unable to link the accounts to the respective Quidco transactions. You are right though, that we should be able to link the two - except, perhaps, when someone made more than one application on the same day, or if they kept no records of any kind.

It's quite normal that Quidco / the Retailer ask for a unique reference, e.g. an order or an invoice number, when you make a complaint. The fact that they are asking for the last 4 digits of the account number for TSB complaints doesn't prove that they don't know which Quidco transaction belongs to which TSB account. They are just making complaints as difficult as possible for us.

george4064

Ed-1 wrote: »

You'll probably get the following email after a few days (regardless of whether you've used your old profile within 90 days - and despite what the email says, they cancel the new one and merge it with the old one):

Nice typo here in TSB's email; 'keep the news one you've just setup.'

sheffieldeagle

Hi


Just put my claim in and it wouldn't allow me to put £0.00 in the amount so put £1.
Lets see what happens!


Cheers

dcs34

colsten wrote: »

The 'payment expected' date should never have been less than 90 days (and then some) from the application date. This looks like a Quidco programming error to me. I noticed that not all the tracked TSB transactions have an 'expected payment' date. Sometime between November 24 and November 30, they appear to have stopped assigning that date to the TSB applications

No accounts were actually merged. Each application results into a unique sort code + account number. Only the online access to all the accounts has been merged in some cases. TSB know very well which current accounts relate to which Quidco transaction. In addition, apart from the account numbers, there will also be timestamps on the accounts and on the Quidco transactions.

I'd written that down, it was the date from Quidco but yes it never actually tallied with the T&Cs wording.
I meant user accounts rather than actual bank accounts - just a bit of speculation!
I suspect though TSB and Quidco won't just check the timestamps but are now expecting everyone to tell them both AN and SC directly so they can run a proper check for everyone.

wizzywig27

Received a call from TSB 0 she listened to calls etc. Basically she didn't uphold the complaint regarding Quidco, but she did about the guy not logging the complaint, I got £50 plus £11 calls

She said that once Quidco resolve the missing cashback, if they still refuse it to contact them again and they can look into it further.

colsten

wizzywig27 wrote: »

Received a call from TSB 0 she listened to calls etc. Basically she didn't uphold the complaint regarding Quidco, but she did about the guy not logging the complaint, I got £50 plus £11 calls

She said that once Quidco resolve the missing cashback, if they still refuse it to contact them again and they can look into it further.

So she is effectively saying that it was Quidco, not TSB, who declined the cashback? This would make a certain amount of sense to me, as I suspect the decline was triggered by some inconsistencies in the Quidco system. Although, with TSB you never know!

Well done for getting your £50 + £11 - - - assuming you actually got it yet