FOS say I’m not an eligible complainant - what can I do?

Catplan

DaveTheJackal said:

The actual customer whose letters we were receiving lives in our village - I don’t know if she’s even aware that she was subject to a fairly serious breach - do I contact her?!

Advice please (and sorry for the essay)!

I’d make them aware and pass on, ask them to check details are correct. Treat others as you’d wish to be treat, if it was the other way about how would you like it to be handled?

Sensory

All mail should be returned to the sender if the addressee doesn't live at the address. Always.

If you believe you know the addressee, ask them to verify their address with Nationwide, without giving them any mail. If they are indeed the correct person, Nationwide will rectify matters appropriately and accordingly. If they are not, then it doesn't matter even if they lie to you, because you're not giving them the mail.

This is as much as you can/should do, as involving yourself any further is not your business.

Yorkshire_Pud said:

Telling Nationwide not to send any more letters won’t work if that’s the address they hold for the recipient.

It can work. When a person moves house but forgets to tell their bank, returned mail can/should prompt the bank to run checks. Aviva tracked my partner down that way.

Ergates

Yorkshire_Pud said:

I’d have redirected the letters to the intended recipient if I know their address.

You can't assume that just because the name is the same it's the same person.  Especially as these are potentially sensitive financial documents.   Just tell them they've been getting letters from Nationwide and that, if they bank with Nationwide, they should get in touch to see what's going on.  If it was someone you knew had lived at the address previously, then that would be different.

General_Grant said:

If this has been brought to the attention of Nationwide, why cannot they try contacting the individual concerned in some other way to verify the address?  Nationwide certainly have two phone numbers and an email address for me as well as my postal address.

They may well do that.  What they certainly *won't* do, however, is tell the OP if that's what they're doing, as that would still be classed as a breach of confidentiality with the customer.

Yorkshire_Pud

Sensory said:

All mail should be returned to the sender if the addressee doesn't live at the address. Always.

If you believe you know the addressee, ask them to verify their address with Nationwide, without giving them any mail. If they are indeed the correct person, Nationwide will rectify matters appropriately and accordingly. If they are not, then it doesn't matter even if they lie to you, because you're not giving them the mail.

This is as much as you can/should do, as involving yourself any further is not your business.

Yorkshire_Pud said:

Telling Nationwide not to send any more letters won’t work if that’s the address they hold for the recipient.

It can work. When a person moves house but forgets to tell their bank, returned mail can/should prompt the bank to run checks. Aviva tracked my partner down that way.

No always give the Mail to the person if you know who they are, done it for years, no complaints, then the person is suitably angry or upset enough to sort the problem or admit they got something wrong as when my neighbour had a parcel delivered to my address because they chose the wrong house, mine, in the drop down post code menu. Sometimes I send the mail return sender with rude messages written on the envelope to try and chivvy them up but likely they just bin it or in the case of my bank statement delivered to someone else with all my details correct the bank suspended my account and told me to attend a branch with ID etc as they surmised wrongly that I had possibly moved. If the idiot that received it had just put it back in the post I would have got my statement instead of a return to sender instruction.

Sensory

Yorkshire_Pud said:

Sensory said:

All mail should be returned to the sender if the addressee doesn't live at the address. Always.

If you believe you know the addressee, ask them to verify their address with Nationwide, without giving them any mail. If they are indeed the correct person, Nationwide will rectify matters appropriately and accordingly. If they are not, then it doesn't matter even if they lie to you, because you're not giving them the mail.

This is as much as you can/should do, as involving yourself any further is not your business.

Yorkshire_Pud said:

Telling Nationwide not to send any more letters won’t work if that’s the address they hold for the recipient.

It can work. When a person moves house but forgets to tell their bank, returned mail can/should prompt the bank to run checks. Aviva tracked my partner down that way.

No always give the Mail to the person if you know who they are, done it for years, no complaints, then the person is suitably angry or upset enough to sort the problem or admit they got something wrong as when my neighbour had a parcel delivered to my address because they chose the wrong house, mine, in the drop down post code menu. Sometimes I send the mail return sender with rude messages written on the envelope to try and chivvy them up but likely they just bin it or in the case of my bank statement delivered to someone else with all my details correct the bank suspended my account and told me to attend a branch with ID etc as they surmised wrongly that I had possibly moved. If the idiot that received it had just put it back in the post I would have got my statement instead of a return to sender instruction.

Its not the same if the addressee lives at the address as specified on the mail, but the mail itself is just incorrectly delivered. This thread is about mail that is correctly delivered to address specified.

Ergates

Yorkshire_Pud said: If the idiot that received it had just put it back in the post I would have got my statement instead of a return to sender instruction.

The "idiot" who received your statement is not an employee of the bank and they're not your skivvy.  They're not obliged to run errands for you.

Tokmon

Ergates said:

Yorkshire_Pud said: If the idiot that received it had just put it back in the post I would have got my statement instead of a return to sender instruction.

The "idiot" who received your statement is not an employee of the bank and they're not your skivvy.  They're not obliged to run errands for you.

I think your missing the point. Instead of simply putting it in the post box to be correctly delivered this person presumably put "Return to sender" or similar on the letter and then posted it. 

So they actually put in more effort by writing on the envelope when the correct course of action would be less work. Even the Royal Mail website instructs people to post incorrectly delivered mail back in a post box.

Yorkshire_Pud

Ergates said:

Yorkshire_Pud said: If the idiot that received it had just put it back in the post I would have got my statement instead of a return to sender instruction.

The "idiot" who received your statement is not an employee of the bank and they're not your skivvy.  They're not obliged to run errands for you.

The “idiot” that acted as my ‘skivvy’ went to more trouble returning to sender by writing on the envelope instead of just putting it back in the post. But some people are like that, aren’t they?

Yorkshire_Pud

Sensory said:

Yorkshire_Pud said:

Sensory said:

All mail should be returned to the sender if the addressee doesn't live at the address. Always.

If you believe you know the addressee, ask them to verify their address with Nationwide, without giving them any mail. If they are indeed the correct person, Nationwide will rectify matters appropriately and accordingly. If they are not, then it doesn't matter even if they lie to you, because you're not giving them the mail.

This is as much as you can/should do, as involving yourself any further is not your business.

Yorkshire_Pud said:

Telling Nationwide not to send any more letters won’t work if that’s the address they hold for the recipient.

It can work. When a person moves house but forgets to tell their bank, returned mail can/should prompt the bank to run checks. Aviva tracked my partner down that way.

No always give the Mail to the person if you know who they are, done it for years, no complaints, then the person is suitably angry or upset enough to sort the problem or admit they got something wrong as when my neighbour had a parcel delivered to my address because they chose the wrong house, mine, in the drop down post code menu. Sometimes I send the mail return sender with rude messages written on the envelope to try and chivvy them up but likely they just bin it or in the case of my bank statement delivered to someone else with all my details correct the bank suspended my account and told me to attend a branch with ID etc as they surmised wrongly that I had possibly moved. If the idiot that received it had just put it back in the post I would have got my statement instead of a return to sender instruction.

Its not the same if the addressee lives at the address as specified on the mail, but the mail itself is just incorrectly delivered. This thread is about mail that is correctly delivered to address specified.

I was thinking more along the lines of actually facilitating a positive timely outcome for the intended recipient of the letters and Nationwide which the OPs actions hindered, and even expected compensation 😂 .

xylophone

The actual customer whose letters we were receiving lives in our village - I don’t know if she’s even aware that she was subject to a fairly serious breach - do I contact her?!

In your position, if I'd recognised the name as a neighbour's, (say, for example, Mrs Mary  B.  Abbott) I'd have been inclined to contact her ( jn person/note through the door) to explain that letters from Nationwide BS  for a Mrs Mary B Abbott had been arriving at your mother's address  and asking her to contact you to clarify the matter.