Uncrossed postal order

jonesMUFCforever

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Can you just explain the part Metro don't have to accept deposits?

bradders1983

jonesMUFCforever said:

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Can you just explain the part Metro don't have to accept deposits?

In the same way a shopkeeper can refuse to serve you or not take payment for a £10 item in 1p coins, I presume. 

soolin

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Yes I do mean the FOS , I have no idea why I put FSA - sorry

They didn't refuse my deposit, in fact they took a bag of pre counted coin, my objection is that they told me that banks were not allowed to take uncrossed postal orders  - it is the incorrect advice I object to. Metro set themselves up as a real bank - High Street presence etc, yet don't seem to have staff that understand banking regulations at all.

Incidentally, I am still waiting for my call back . I  think any organisation that does not take complaints is not really understanding how they should be working. I don't want anything from them except an acknowledgment that perhaps staff should seek advice if they are presented with something they don't fully understand. 

jonesMUFCforever

bradders1983 said:

jonesMUFCforever said:

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Can you just explain the part Metro don't have to accept deposits?

In the same way a shopkeeper can refuse to serve you or not take payment for a £10 item in 1p coins, I presume. 

Sorry but that is ridiculous and untrue. What right do Metro have to refuse a postal order made payable to the OP ?

General_Grant

jonesMUFCforever said:

bradders1983 said:

jonesMUFCforever said:

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Can you just explain the part Metro don't have to accept deposits?

In the same way a shopkeeper can refuse to serve you or not take payment for a £10 item in 1p coins, I presume. 

Sorry but that is ridiculous and untrue. What right do Metro have to refuse a postal order made payable to the OP ?

I suppose along the lines of their right not to offer the OP an account and the right not to accept eighty bags of 1p coins if they chose not to.  (This isn't to say Metro were behaving well to reject a deposit of an uncrossed PO but that there's no law to say they must accept one.)

MDMD

If it’s uncrossed, why don’t you just go to a post office and cash it?

https://www.postoffice.co.uk/postal-orders-faqs

[Deleted User]

jonesMUFCforever said:

bradders1983 said:

jonesMUFCforever said:

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Can you just explain the part Metro don't have to accept deposits?

In the same way a shopkeeper can refuse to serve you or not take payment for a £10 item in 1p coins, I presume. 

Sorry but that is ridiculous and untrue. What right do Metro have to refuse a postal order made payable to the OP ?

They are under no legal obligation to accept any deposit - but this sounds like confusion/poor training rather than refusal.

soolin

MDMD said:

If it’s uncrossed, why don’t you just go to a post office and cash it?

https://www.postoffice.co.uk/postal-orders-faqs

See post 1, post office has already cashed it for me. 

masonic

dahj said:

jonesMUFCforever said:

bradders1983 said:

jonesMUFCforever said:

dahj said:

You've went to the FSA about something? Do you mean the FOS? 
Strictly speaking,  Metro don't have to accept deposits so I'm not sure how strong your case will be.

Can you just explain the part Metro don't have to accept deposits?

In the same way a shopkeeper can refuse to serve you or not take payment for a £10 item in 1p coins, I presume. 

Sorry but that is ridiculous and untrue. What right do Metro have to refuse a postal order made payable to the OP ?

They are under no legal obligation to accept any deposit - but this sounds like confusion/poor training rather than refusal.

The consumer contract that exists between the OP and Metro would govern whether they are obliged to accept deposits from the OP and under what conditions. Presuming those T&Cs state postal orders are accepted, then they could of course end the relationship under the T&C subject to the conditions and notice period required, but selective refusal to honour a method of payment permissible under the T&C would be a breach of contract and would also fail the Treating Customers Fairly responsibilities imposed on them by the FCA and used by the FOS when assessing complaints. So, whether the obligation is legal or contractual, and the refusal intentional or an error, the case would be a strong one.