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

Ed-1

quirkydeptless said:

Ed-1 said:

quirkydeptless said:

I paid in £500 and paid it it out in exactly 2 transactions each month with no other transactions done. Still just saying tracked.

TSB are still probably trying to find a way to wriggle out of paying me

Did you do this in the month you opened the account?

And to clarify, did you do £500 in and then a further 2 transactions out or are you including the £500 in as one of your 2 transactions?

I opened the account in November, and paid out via 2 seperate online tranasactions a total of £500 in each of November, December and January. I didn't make any debit card purchases.

I had the transaction declined originally with the kerfuffle some of us had previously, but when this was apparently resolved my £50 trakced re-appeared. My Quidco is currently showing a £50 tracked entry, and also a seperate entry called "claim" which is showing as declined, and a total of tracked cashback of £50

The "contact support" gives a FAQ message of "we're chasing the supplier"

Similar situation as me and a family member then. I've had no status updates since the original tracking date either. Given others have been paid out for doing the same transactions pattern as you then there's hope for us yet!

I did £250 in twice each month including the month of account opening as on my interpretation of the terms this met paying in at least (a total of) £500 each month and 2 transactions each month. A family member simply paid in £500 and then paid it back out again in one go, thereby on their interpretation of the terms paying in at least £500 and having 2 transactions each month.

But it's also unclear whether 'first 3 months from account opening' includes the first part-month or starts from December in your case - so December, January, February. Previous offers like Halifax's switch offer have not started until the first full month after account opening.

tsb

I've sent my complaint to the Financial Ombudsman. (Bottom of page 32 of this thread is the story why my cashback was declined).  
According to what I was told then, anyone who made at least two transactions in addition to the £500 pay in, should have their cashback paid. This was apparently their interpretation of the terms and conditions.
I'm hoping someone gets their cashback paid by just paying £500 in and out and thinking those were the two necessary transactions. That will give me some extra ammunition to throw at them if they are treating claims differently.

Ed-1

tsb said:

I've sent my complaint to the Financial Ombudsman. (Bottom of page 32 of this thread is the story why my cashback was declined).  
According to what I was told then, anyone who made at least two transactions in addition to the £500 pay in, should have their cashback paid. This was apparently their interpretation of the terms and conditions.
I'm hoping someone gets their cashback paid by just paying £500 in and out and thinking those were the two necessary transactions. That will give me some extra ammunition to throw at them if they are treating claims differently.

Good luck with the Ombudsman. If it gets upheld then anyone else declined on T&Cs semantics will have the case to refer to with a complaint.
If TSB are playing semantics with the terms, then be sure to point out the ambiguities:
• It is not clear whether 'first 3 months' means (i) the rest of the calendar month of account opening, and then the next 2 full calendar months; or (ii) the first 3 full calendar months, excluding the rest of the first calendar month of account opening; or (iii) the first 3 account months (e.g. 10th November - 9th December etc.). Given eligibility is checked after 90 days it would suggest the latter.
• It is not clear whether the transaction(s) that meet the paying in at least £500 also count towards the requirement for 2 transactions (so e.g. paying in £250 twice). They can't seriously be suggesting that making 5 £100 transactions into your account counts as 0 transactions out of the 2 needed, can they? The terms don't say "pay in at least £500 each month and make 2 other transactions".
• On a strict reading of the terms, while there is qualification on the £500 with 'at least', there is no such qualification on the 2 transactions, so e.g. making 3 or more transactions would breach the terms on this strict reading.

Given all of these points are unclear, the cashback should be honoured for any valid reading of the terms.

quirkydeptless

I opened a support ticket Today, not expecting a response on Bank Holiday, but I got one quite quickly as follows:

"I've taken a look for you and I can see that your claim is processing as normal at the moment.
The estimated resolution date for this claim is 21/05/2020 and you can view its progress here: www.quidco.com/activity/claims
The reason that claims may take a little longer than tracked transactions is that they follow a more manual process and have to undergo more checks with the retailer before they provide a resolution.
We will update you at every stage of the process via your activity page."

So seems promising for now, although TSB might still decline.

colsten

ppyim said:

just wonder anyone received payment without making payments on debit card, just 2 transactions using online banking?

yes.

ppyim

colsten said:

ppyim said:

just wonder anyone received payment without making payments on debit card, just 2 transactions using online banking?

yes.

Thank you Colsten!

Ed-1

quirkydeptless said:

I opened a support ticket Today, not expecting a response on Bank Holiday, but I got one quite quickly as follows:

"I've taken a look for you and I can see that your claim is processing as normal at the moment.
The estimated resolution date for this claim is 21/05/2020 and you can view its progress here: www.quidco.com/activity/claims
The reason that claims may take a little longer than tracked transactions is that they follow a more manual process and have to undergo more checks with the retailer before they provide a resolution.
We will update you at every stage of the process via your activity page."

So seems promising for now, although TSB might still decline.

The claim is now closed (declined) isn't it as the original transaction is now tracking, so don't know why they're on about that

colsten

quirkydeptless said:

I opened a support ticket Today, not expecting a response on Bank Holiday, but I got one quite quickly as follows:

"I've taken a look for you and I can see that your claim is processing as normal at the moment.
The estimated resolution date for this claim is 21/05/2020 and you can view its progress here: www.quidco.com/activity/claims
The reason that claims may take a little longer than tracked transactions is that they follow a more manual process and have to undergo more checks with the retailer before they provide a resolution.
We will update you at every stage of the process via your activity page."

So seems promising for now, although TSB might still decline.

I am not entirely sure I correctly understand what you are doing but it sounds as if you are trying to wake sleeping dogs? Why not just let things take their natural cause (if there's anything natural about TSB...) and wait until they have decided? I would give them at least a year before prodding.

Apologies if I have misunderstood what you are doing.

colsten

Ed-1 said:

The claim is now closed (declined) isn't it as the original transaction is now tracking, so don't know why they're on about that

If the claim still shows as open in Quidco, it is exactly that - open. Just leave it be.

Ed-1

colsten said:

Ed-1 said:

The claim is now closed (declined) isn't it as the original transaction is now tracking, so don't know why they're on about that

If the claim still shows as open in Quidco, it is exactly that - open. Just leave it be.

It's not open though. Quidco emailed to say as the originally declined transactions were rolled back to tracking, the claims are closed - and they show as declined.