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

creditavenger

From the Daily Mail article linked to above:

"Normally customers can open one Classic Plus account in their name plus another joint account, but the new terms state: 'If you open more than one TSB Classic Plus account via Quidco, you will only be paid cashback on the first account you open.'

This is Money has asked TSB whether the new terms apply only to accounts opened after they were clarified on 8 June, or also apply to accounts opened under the old rules.

It said any accounts open now will be judged on the new terms, but having reviewed all previous Quidco sales it had paid out cashback to an additional 300 customers.

A TSB spokesperson said: 'Following feedback from customers, we made changes to our T&C's to ensure they can make the most of our offer going forward. We have also reviewed previous applications and paid around 300 additional customers." 

Though absolutely  no mention of  having reviewed all Quidco sales under the original (pre 8th June) T+Cs, TSB had paid out cashback for customers but then Quidco subsequently attempting to confiscate the customer's cashback money and keeping it all for themselves.

Yorkshire_Pud

Yorkshire_Pud said:

colsten said:

Yorkshire_Pud said:

dcs34 said:

"TSB's terms and conditions stated that the offer, open to newcomers to TSB Classic, Classic Plus or Student accounts," Oops...

As this wasn’t ever specified and isn’t true we need to watch out for them introducing this condition retrospectively and applying it to our existing cashback.

Think it might get worse before it gets better!

What the T&Cs said, for most of the last 8 months:

The offer t&c that applied to accounts opened up to a week or so ago.

Beware of tsb trying it on and as classic accounts aren’t classic plus accounts saying they don’t qualify (any more).

Old t&c.

Yorkshire_Pud

sparky0138 said:

https://www.dailymail.co.uk/money/saving/article-8399617/TSB-revamps-50-sign-bonuss-terms-called-unclear.html

"This is Money has asked TSB whether the new terms apply only to accounts opened after they were clarified on 8 June, or also apply to accounts opened under the old rules.

It said any accounts open now will be judged on the new terms"

Maybe it's just me but I think they could have worded the answer a bit more clearly. I think it means, any account that is already open, even if it was opened under the old rules. If so, I think that's really unfair.

The second Mail article after Classic pulled and Classic Plus offered as one only.

Now are Quidco trying to apply the classic plus term to the Classic account with no restriction on number of accounts opened!? Surely not!

tsb

bristolleedsfan said:

creditavenger said:

 Witness the MSE member's (Sorry I can't remember who it was) success at raising the Quidco cashback refusal debacle with the Daily Mail back in January.

Forum ID was indeed "TSB" if my memory serves me correct

It wasn't me who raised the matter with the Daily Mail, although my MSE name was mentioned in the article.
(An unfortunate coincidence that my MSE name and the Bank name is the same, totally unintentional)  I have been having my own battle with TSB Bank regarding this offer, as I referred my case to the Ombudsman in March.  The Ombudsman found in my favour and extra compensation awarded. TSB Bank have been promising to pay the original cashback into my Quidco account since July.  I have received the compensation directly from TSB Bank but not the original cashback which they insist has been authorised for Quidco to pay and blame Quidco systems for not paying it. I am now having to chase this myself with Quidco.  This is still ongoing. 

Ed-1

Yorkshire_Pud said:

sparky0138 said:

https://www.dailymail.co.uk/money/saving/article-8399617/TSB-revamps-50-sign-bonuss-terms-called-unclear.html

"This is Money has asked TSB whether the new terms apply only to accounts opened after they were clarified on 8 June, or also apply to accounts opened under the old rules.

It said any accounts open now will be judged on the new terms"

Maybe it's just me but I think they could have worded the answer a bit more clearly. I think it means, any account that is already open, even if it was opened under the old rules. If so, I think that's really unfair.

The second Mail article after Classic pulled and Classic Plus offered as one only.

Now are Quidco trying to apply the classic plus term to the Classic account with no restriction on number of accounts opened!? Surely not!

No they're applying the terms of their general user agreement which says that you must not unfairly exploit (in their terms "abuse") a retailer's offering.

bristolleedsfan

Ed-1 said:

Yorkshire_Pud said:

sparky0138 said:

https://www.dailymail.co.uk/money/saving/article-8399617/TSB-revamps-50-sign-bonuss-terms-called-unclear.html

"This is Money has asked TSB whether the new terms apply only to accounts opened after they were clarified on 8 June, or also apply to accounts opened under the old rules.

It said any accounts open now will be judged on the new terms"

Maybe it's just me but I think they could have worded the answer a bit more clearly. I think it means, any account that is already open, even if it was opened under the old rules. If so, I think that's really unfair.

The second Mail article after Classic pulled and Classic Plus offered as one only.

Now are Quidco trying to apply the classic plus term to the Classic account with no restriction on number of accounts opened!? Surely not!

No they're applying the terms of their general user agreement which says that you must not unfairly exploit (in their terms "abuse") a retailer's offering.

8th April onwards posts on this thread stated 2 TSB Account opening transactions had been paid

September - People were having Quidco Accounts blocked due to having had more than 1 TSB Account opening transaction paid to Quidco by TSB

colsten

creditavenger said:

From the Daily Mail article linked to above:

"Normally customers can open one Classic Plus account in their name plus another joint account, but the new terms state: 'If you open more than one TSB Classic Plus account via Quidco, you will only be paid cashback on the first account you open.'

This is Money has asked TSB whether the new terms apply only to accounts opened after they were clarified on 8 June, or also apply to accounts opened under the old rules.

It said any accounts open now will be judged on the new terms, but having reviewed all previous Quidco sales it had paid out cashback to an additional 300 customers.

A TSB spokesperson said: 'Following feedback from customers, we made changes to our T&C's to ensure they can make the most of our offer going forward. We have also reviewed previous applications and paid around 300 additional customers." 

Though absolutely  no mention of  having reviewed all previous Quidco sales TSB had paid out cashback to an additional 300 customers but then Quidco subsequently confiscating the customer's cashback money and keeping it all for themselves.

I would advise caution when making claims what Quidco are doing with money they got from TSB. AFAIK, the only case where cashback was not paid for TSB is Ed-1. The rest have either been paid (several recent reports on here for this), are under review / dispute, or not due yet. 

Anyone who complied with the T&Cs of the offer, as they were at the time of the transaction, has a reasonable case to argue, in a calm but persistent manner. I don't think it helps to use speculation over what Quidco would do with money that they may or may not have received from TSB. I also don't think it helps to go to the TSB CEO (unless, perhaps, TSB refuse to pay up) because our 'contract' is with Quidco, not with TSB.

Just stick to the line that you complied with the Quidco offer T&Cs, and that it would be rather detrimental for Quidco's reputation if their users could rely on the offer T&Cs. After all, the only reason Quidco exists are the users. 

bristolleedsfan

bristolleedsfan said:

Yorkshire_Pud said:

Ideas for for bringing the dodgy dealings of Quidco to more public awareness:

1. email debbie.crosbie@tsb.co.uk      Tell Debbie CEO of tsb what the transaction integrity manager of Quidco likes to do with the cashback the tsb affiliate sends to Quidco when members qualify for an offer.

You must have read my mind, I was after a TSB email address so as to put joint complaint to Quidco/TSB regarding 1st TSB account I opened 28th October, no apparent action re non tracking claim and rejection of a tracked transaction later in May together with screenshots of all the transactions made of both accounts which backs up both claims, TSB cannot pay some multiple account openings and for no good apparent reason reject last account opening tracked transaction that was done

Just submitted first joint complaint Quidco/TSB,  I know at least 1 other person is still awaiting claim resolution from around the sam e time, this might help him and maybe others, credit to ceredigion for early part of the narrative

Complaint - TSB/QUIDCO APPARENT FAILURE TO PAY ME £50 CASHBACK IN RESPECT OF TSB CLASSIC ACCOUNT NOW KNOWN AS SAVE AND SPEND ENDING ..... OPENED 27TH OCTOBER 2019 VIA QUIDCO WEBSITE

Via Quidco website, TSB  issued a contract based on a list of conditions see Screenshot 30. I agreed to those conditions and it Quidco/TSB and I that are under contract. Blaming your suppliers/each other known as affiliates is of no concern to me . If Quidco/TSB Failure to honour said contract is a misrepresentation under UK law and Quidco's terms can't override this.

"a misrepresentation is an untrue or misleading statement of fact made during negotiations by one party to another, the statement then inducing that other party to enter into a contract"

My first TSB  account ending ..... opened on 27 October 2019 via Quidco non tracking claim lodged 11 December which was earliest Quidco would allow a claim to be submitted

9 Months later Why no resolution to my claim and why have I not been paid advertised promoted cashback ?????

Why has 9 months since submitting the claim with no apparent decision when I was asked to allow 6 months to get a decision from the retailer ?

TSB Current Account 27 Oct 19  Claim  Tracked £50.00
The retailer will process your claim. Please allow us up to six months to get a decision from the retailer. Claim ID: 3721317 Purchase ID: Pending Purchase Amount: 1.00 Status Update: 11 Dec 19

I attach screen shots relating to all transactions relating to the account, bearing in mind the account was opened near the end of the month and had to wait for debit card and pin to arrive.

Do TSB and /Or Quidco agree that I have more than complied conditions with terms and conditions than I could have been reasonably expected to do ???

Screenshots 15-29 ( 1 November 2019- 17 September 2020 transactions)

Why have I had to take the time and inconvenience and stress about this matter to seek to gain what should have been resolved and paid many months ago ?

Please pay me advertised and promoted £50 cashback plus adequate compensation for failing to do so in a timely manner and in respect of me having to make a time consuming complaint having contacted Quidco previously via Facebook message about this matter

Yorkshire_Pud

Yes I agree with colsten, I am still waiting for a decision and dealing with the anxiety over it but haven’t yet contacted tsb. Hopefully I’ve fed the Quidco team enough info for them not to make a decision that results in further action needing to be taken. Quidco are awaiting a response from tsb, since Monday.

creditavenger

@Colsten

Thank you for your views.
However, I for one prefer a more robust approach to the recent actions of Quidco and will have no hesitation in calling them out, to encourage them to do the right thing. They have accused many MSE members of "abuse" but I think that if anyone is "abusing" the terms of the TSB offer it is Quidco themselves.