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

bristolleedsfan

tsb said:

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. 

If my memory serves me correct, TSB responded by saying they dont have access to Quidco systems to know whether you complied with T+C, Quidco responded by saying was TSB decision, stretching my memory a little further maybe Quidco offered you a tenner out of its own pocket.

This is why I am issuing joint complaints, in process of putting together 2nd complaint relates to  tracked transaction 17 May, rejected on 17 September,  20 May I deposited £250. + £257.00,  27th May I have 2 Supermarket debit card transactions, every month since then I have deposited minimum £500 and done minimum 2 debit card transactions at a Supermarket, plus Paperless settings as required

colsten

creditavenger said:

@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.

Everyone is free to do what they feel is right for themselves. An a pretty serious "abuser" of this Quidco TSB offer myself, I know for a fact that the approach I described works, and very swiftly so, too. I doubt a "more robust" approach promises to be as successful, but I wish you good luck with it, particularly with any accusations that you may not be able to provide proof for.

bristolleedsfan

Quidco complaints response to first joint complaint I submitted this morning, Quidco also sent this reply to TSB email address that I used for joint complaint

I'm very sorry for the inconvenience caused by this issue, for your reference your complaints ID is .....

As you may imagine we'd need to receive the cashback from the retailer in order to pass over to you, at the moment we're yet to receive a resolution from the retailer on your purchase from the 27th of October 2019, we're chasing this for you on a regular basis however and as soon as we receive the cashback we'll pass this straight onto you. 

Claims do have a few more manual checks that the relevant third parties need to do before they pass this cashback on. Most claims usually take around 6 months from the date that they are raised but this can vary dependent on the retailer and cannot be guaranteed to be paid within the 6 month time frame I'm afraid. 

Please be assured that as soon as we receive any information from the retailer on this claim we'll let you know straight away. 

I do apologise for the inconvenience caused in the meantime. 

Kind regards

Frogletina

colsten said:

creditavenger said:

@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.

Everyone is free to do what they feel is right for themselves. An a pretty serious "abuser" of this Quidco TSB offer myself, I know for a fact that the approach I described works, and very swiftly so, too. I doubt a "more robust" approach promises to be as successful, but I wish you good luck with it, particularly with any accusations that you may not be able to provide proof for.

I took a look at my Quidco account 6 days ago and found I could not log in. I tried to change my password and when it wouldn't let me I sent a message via the message bot. I got an email the next day to say it was being passed on to be looked at

I then got the following email

Hi 

You should be able to login now.

Kind regards
Mark
Transaction Integrity Manager

Although I was not expecting my cashback until October, when I logged in my cashback was waiting and I arranged for it to be sent to my bank account and It has now arrived. 

 

bristolleedsfan

Ed-1 said: 8 June 2020

NEW T&Cs:

• Cashback is only available if you open a new TSB Classic Plus current account and:-
  1. within the first 90 days of your account being open you register for Internet Banking, paperless statements and paperless correspondence;

  2. keep your account open for at least 120 days; 

  3. In three out of the first four calendar months after you’ve opened your account:-

  (a) pay in at least £500 each month; and

  (b) make at least two debit payments out of your account each month.   

  As an example, if you opened your account in June, you would have to pay in £500 and make two payments out of your account in three of the following months;  June, July, August and/or September.
• Cashback cannot be used with:

1. Any other offer available with TSB current accounts, unless listed on this page
2. Any other TSB discounts such as staff or student discounts
3. Any other offer, voucher or discount code unless listed on this page

• Debit payments include online and mail order purchases, as well as in-store purchases (including contactless, Apple Pay and Google Pay), Direct Debits, Standing Orders, and Faster Payments. 
• Debit payments don’t include ATM or other cash withdrawals using your card, payments made using Pay a Contact (Paym), bill payments made in a TSB branch and future dated payments.
• Timing of debit payments: We’ll count any debit payments you make based on the date the money is taken from your account.  This is usually within 5 working days from the day you make the payment, but can sometimes be longer. You can tell when money is taken from your account by looking at your transactions online or on your statement.
• If you open more than one TSB Classic Plus account via Quidco, you will only be paid cashback on the first account you open.
• In order for TSB to know that you’ve taken out your product via Quidco and so that you receive your cashback, you must click the Quidco link above, and apply for and open the relevant current account
• You won’t be eligible for cashback if you click away from the Quidco website page, or visit any other websites before completing your current account application and opening your account
• You must make sure cookies are enabled before you start your application, and right through until we tell you whether your application is successful. Do not clear your cache before completing your application. Otherwise, TSB won’t be able to track the application and therefore unable to pay your cashback. For more information please see here
• Cashback will only be paid to members who have BACS as their registered Quidco payment
• All opened accounts are run through extensive validation checks and cashback will only be paid on valid opened accounts. The eligibility is checked 120 days after the account is opened
• If you close your account within 90 days of opening you won’t get cashback either
• Cashback will be paid into your Quidco Account, within 180 days of your TSB current account being opened.   

Quidco response to declined transaction 17 May complaint, has anyone else who previously had Quidco/TSB paid had transactions around that date either paid or still pending, I pretty sure Classic account was available until 20 May no limit was stated until around 8th June

"Looking at the screenshot provided, I can see that this showed a copy of terms the Moneysavingexpert user posted on the 17th November 2019. I can see that these terms were updated by the time you made the purchase on the 17th of May 2020 to state that this would only available to the first new account through Quidco. I'm afraid that as I can see that you have been with TSB before you'd be ineligible for cashback on that one. "

`

Update on my first complaint, non tracking transaction 27 October, claim submitted 12 December, TSB phoned this morning they are going to speak to appropriate department and get back to me ASAP

colsten

bristolleedsfan said:

Ed-1 said: 8 June 2020

NEW T&Cs:

• Cashback is only available if you open a new TSB Classic Plus current account and:-
  1. within the first 90 days of your account being open you register for Internet Banking, paperless statements and paperless correspondence;

  2. keep your account open for at least 120 days; 

  3. In three out of the first four calendar months after you’ve opened your account:-

  (a) pay in at least £500 each month; and

  (b) make at least two debit payments out of your account each month.   

  As an example, if you opened your account in June, you would have to pay in £500 and make two payments out of your account in three of the following months;  June, July, August and/or September.
• Cashback cannot be used with:

1. Any other offer available with TSB current accounts, unless listed on this page
2. Any other TSB discounts such as staff or student discounts
3. Any other offer, voucher or discount code unless listed on this page

• Debit payments include online and mail order purchases, as well as in-store purchases (including contactless, Apple Pay and Google Pay), Direct Debits, Standing Orders, and Faster Payments. 
• Debit payments don’t include ATM or other cash withdrawals using your card, payments made using Pay a Contact (Paym), bill payments made in a TSB branch and future dated payments.
• Timing of debit payments: We’ll count any debit payments you make based on the date the money is taken from your account.  This is usually within 5 working days from the day you make the payment, but can sometimes be longer. You can tell when money is taken from your account by looking at your transactions online or on your statement.
• If you open more than one TSB Classic Plus account via Quidco, you will only be paid cashback on the first account you open.
• In order for TSB to know that you’ve taken out your product via Quidco and so that you receive your cashback, you must click the Quidco link above, and apply for and open the relevant current account
• You won’t be eligible for cashback if you click away from the Quidco website page, or visit any other websites before completing your current account application and opening your account
• You must make sure cookies are enabled before you start your application, and right through until we tell you whether your application is successful. Do not clear your cache before completing your application. Otherwise, TSB won’t be able to track the application and therefore unable to pay your cashback. For more information please see here
• Cashback will only be paid to members who have BACS as their registered Quidco payment
• All opened accounts are run through extensive validation checks and cashback will only be paid on valid opened accounts. The eligibility is checked 120 days after the account is opened
• If you close your account within 90 days of opening you won’t get cashback either
• Cashback will be paid into your Quidco Account, within 180 days of your TSB current account being opened.   

Quidco response to declined transaction 17 May complaint, has anyone else who previously had Quidco/TSB paid had transactions around that date either paid or still pending, I pretty sure Classic account was available until 20 May no limit was stated until around 8th June

"Looking at the screenshot provided, I can see that this showed a copy of terms the Moneysavingexpert user posted on the 17th November 2019. I can see that these terms were updated by the time you made the purchase on the 17th of May 2020 to state that this would only available to the first new account through Quidco. I'm afraid that as I can see that you have been with TSB before you'd be ineligible for cashback on that one. "

`

Update on my first complaint, non tracking transaction 27 October, claim submitted 12 December, TSB phoned this morning they are going to speak to appropriate department and get back to me ASAP

Sorry, got nothing close to May 17 myself. My last paid one was opened May 1, and I am waiting for payment for one opened May 3.

I tend to agree, but cannot provide proof for it, that the terms were not updated until early June.

Yorkshire_Pud

bristolleedsfan said:

Ed-1 said: 8 June 2020

NEW T&Cs:

• Cashback is only available if you open a new TSB Classic Plus current account and:-
  1. within the first 90 days of your account being open you register for Internet Banking, paperless statements and paperless correspondence;

  2. keep your account open for at least 120 days; 

  3. In three out of the first four calendar months after you’ve opened your account:-

  (a) pay in at least £500 each month; and

  (b) make at least two debit payments out of your account each month.   

  As an example, if you opened your account in June, you would have to pay in £500 and make two payments out of your account in three of the following months;  June, July, August and/or September.
• Cashback cannot be used with:

1. Any other offer available with TSB current accounts, unless listed on this page
2. Any other TSB discounts such as staff or student discounts
3. Any other offer, voucher or discount code unless listed on this page

• Debit payments include online and mail order purchases, as well as in-store purchases (including contactless, Apple Pay and Google Pay), Direct Debits, Standing Orders, and Faster Payments. 
• Debit payments don’t include ATM or other cash withdrawals using your card, payments made using Pay a Contact (Paym), bill payments made in a TSB branch and future dated payments.
• Timing of debit payments: We’ll count any debit payments you make based on the date the money is taken from your account.  This is usually within 5 working days from the day you make the payment, but can sometimes be longer. You can tell when money is taken from your account by looking at your transactions online or on your statement.
• If you open more than one TSB Classic Plus account via Quidco, you will only be paid cashback on the first account you open.
• In order for TSB to know that you’ve taken out your product via Quidco and so that you receive your cashback, you must click the Quidco link above, and apply for and open the relevant current account
• You won’t be eligible for cashback if you click away from the Quidco website page, or visit any other websites before completing your current account application and opening your account
• You must make sure cookies are enabled before you start your application, and right through until we tell you whether your application is successful. Do not clear your cache before completing your application. Otherwise, TSB won’t be able to track the application and therefore unable to pay your cashback. For more information please see here
• Cashback will only be paid to members who have BACS as their registered Quidco payment
• All opened accounts are run through extensive validation checks and cashback will only be paid on valid opened accounts. The eligibility is checked 120 days after the account is opened
• If you close your account within 90 days of opening you won’t get cashback either
• Cashback will be paid into your Quidco Account, within 180 days of your TSB current account being opened.   

Quidco response to declined transaction 17 May complaint, has anyone else who previously had Quidco/TSB paid had transactions around that date either paid or still pending, I pretty sure Classic account was available until 20 May no limit was stated until around 8th June

"Looking at the screenshot provided, I can see that this showed a copy of terms the Moneysavingexpert user posted on the 17th November 2019. I can see that these terms were updated by the time you made the purchase on the 17th of May 2020 to state that this would only available to the first new account through Quidco. I'm afraid that as I can see that you have been with TSB before you'd be ineligible for cashback on that one. "

`

Update on my first complaint, non tracking transaction 27 October, claim submitted 12 December, TSB phoned this morning they are going to speak to appropriate department and get back to me ASAP

The new account terms weren’t updated until June when it became the Classic PLUS limited to one account only to get cashback. The new terms came in at the same time as the daily mail story I linked recently and the Classic was pulled both as an account offered by tsb and on Quidco.

So basically they are wrong. It wasn’t possible to open a Classic account under the new conditions.

bristolleedsfan

bristolleedsfan said:

Quidco response to declined transaction 17 May complaint,

"Looking at the screenshot provided, I can see that this showed a copy of terms the Moneysavingexpert user posted on the 17th November 2019. I can see that these terms were updated by the time you made the purchase on the 17th of May 2020 to state that this would only available to the first new account through Quidco. I'm afraid that as I can see that you have been with TSB before you'd be ineligible for cashback on that one. "

`

Update on my first complaint, non tracking transaction 27 October, claim submitted 12 December, TSB phoned this morning they are going to speak to appropriate department and get back to me ASAP

My  Response

TSB Current Account(s) available for Cashback ( and limits on number of repeat account openings for Cashback) via Quidco  have been/are linked to TSB own Current Account limits

Approx 25 October 2019 - 20 May  2020 - TSB Current Account(s) offering Cashback via Quidco

Classic Plus Account - Maximum 1 account to be held at any time

Classic Account ( now known as Spend and Save account) No apparent limit to number of accounts that can be held at any time

No stated limit on number of TSB Current Accounts that could be opened via Quidco for Cashback purposes

17 May 2020 I opened Classic Account ( now known as Spend and Save account)

Approx 20 May 2020 TSB withdrew Classic Account from general sale, Classic Plus account remained on sale with same limitation namely only 1 account could be held at any particular time

After 20 May Classic Plus Account was only TSB Account offered via Quidco, was after 20 May Quidco/TSB Current Account had updated T+C including

Cashback is only available if you open a new TSB Classic Plus current account

If you open more than one TSB Classic Plus account via Quidco, you will only be paid cashback on the first account you open.

As of 17 May 2020 there was no stated limit as to how many Classic Accounts  ( now known as Spend and Save account) that could be opened via Quidco thus tracked transaction valid to be paid £50 Cashback

In view of the above please can Quidco/TSB arrange for this £50 cashback to be made available to me

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Quidco response

I'm afraid that this is likely to have been declined for this reason but cashback can also be declined for a number of reasons. You can see some of the main reasons that cashback can be declined below: 

Standard Cashback Exclusions

Learn what could affect any purchase you make with us

As you may appreciate, we do need to receive the cashback from the retailer to be able to pass over to you and on this occasion they've confirmed that they won't be passing the cashback on for this. 

Unfortunately, we're never able to guarantee cashback for this reason as per our account holder agreement, I'm very sorry for any disappointment this may cause.

zzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzzz

My Latest Response

Can Quidco and/Or TSB please inform me of the actual reason why TSB Classic Account ( Now known as Spend and Save Account opened on 17 May 2020 when there was no apparent limit as to number of  TSB Classic Account ( Now known as Spend and Save Account(s) that could be opened for cashback via Quidco was declined being as I have proved by  transaction screenshots I fully met cashback conditions.

Can Quidco/TSB also please inform me as to whether declined cashback is TSB final decision

Yorkshire_Pud

I think you would have to complain to tsb directly after you get another fob off from Quidco because as they say if the merchant doesn’t pay them the cashback they can’t pay it out. Although they claim to chase up missing cashback but I suppose they’ve done that.
Would a complaint to tsb bring you under the financial ombudsman scheme if tsb don’t play ball with your initial complaint?

bristolleedsfan

Yorkshire_Pud said:

I think you would have to complain to tsb directly after you get another fob off from Quidco because as they say if the merchant doesn’t pay them the cashback they can’t pay it out. Although they claim to chase up missing cashback but I suppose they’ve done that.
Would a complaint to tsb bring you under the financial ombudsman scheme if tsb don’t play ball with your initial complaint?

It is a joint complaint both mine and Quidco responses are automatically sent to TSB, both TSB and Quidco come under FOS https://support.quidco.com/en/articles/4126637-what-is-your-complaints-policy  TSB this morning said it will look into first complaint as matter of urgency which relates to first account opened via Quidco on 27th October, Non tracking claim submitted 12 December with no apparent updates since then despite Quidco doing its apparent best,  this second complaint TSB  said I should follow Quidco procedure of raising declined cashback claim

Quidco latest response

I'm afraid that we have not been informed of the exact decline reason from TSB at the moment for this one. You can see potential decline reasons within the standard cashback exclusions mentioned previously and within the terms listed on the 'What will stop me earning cashback' on the TSB Quidco page. Please be aware that this transaction was completed on the 17th of May 2020 so I'm afraid that the screenshot from November last year would not be sufficient to support the claim. 

 I can try to get a claim raised to have a look further for you, please could I just double check the last 4 digits of the account number and the sort code to allow us to raise this for you. 

Kind regards,