Deleted Thread

user1977

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

steve866

user1977 said:

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

Where did the OP state he/she requested the payment to be made via CHAPS? 

With all these new bank online/digital banks becoming available I can see this happening more and more.

Thrugelmir

steve866 said:

user1977 said:

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

Where did the OP state he/she requested the payment to be made via CHAPS? 

The solicitor will offer a choice. CHAPS or cheque. The CHAPS service is undertaken by the solicitors bankers with the details provided to them. 

propertyhunter

I would write to the Times Money column, and get a journalist on it. You'll likely get the problem sorted quickly and compensation. It's a problem of interest to their other readers and you've already tried to resolve it with no avail - and it's been 2 weeks. 

user1977

steve866 said:

user1977 said:

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

Where did the OP state he/she requested the payment to be made via CHAPS? 

Where did the OP say that the problem was the solicitor not clarifying the method of transfer? CHAPS would be the normal method for large sums, it would be unlikely the solicitor would not have mentioned it would be a CHAPS transfer (especially as they'd be charging for it).

Scotbot

propertyhunter said:

I would write to the Times Money column, and get a journalist on it. You'll likely get the problem sorted quickly and compensation. It's a problem of interest to their other readers and you've already tried to resolve it with no avail - and it's been 2 weeks. 

Alternatively the Telegraph has a similar column. Chase will hate the publicity and suddenly find the money

steve866

user1977 said:

steve866 said:

user1977 said:

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

Where did the OP state he/she requested the payment to be made via CHAPS? 

Where did the OP say that the problem was the solicitor not clarifying the method of transfer? CHAPS would be the normal method for large sums, it would be unlikely the solicitor would not have mentioned it would be a CHAPS transfer (especially as they'd be charging for it).

I never said the OP blamed the solicitor, however you specially said the OP asked the solicitor to send the funds via CHAPS. Whilst I agree the most likely case is an easy to make mistake by the OP (assuming his bank accepts CHAPS), that might not be the case.

I am currently remortgaging and Enact are handling the convayencing. The remortgage includes releasing equity and this is the only wording I can find on the paperwork:

”For every electronic money transfer we make to you, we charge a fee of £35 plus VAT. The fees will be deducted from the sum due to you, and this fee includes any charges made by our bank. If you do not complete your account details any surplus funds will be sent to you by cheque.

It is your responsibility to ensure the bank details provided accept an electronic money transfer.”

As far as I’m aware electronic money transfer is a generic term and doesn’t relate to CHAPS?

babyblade41

492800 said:

user1977 said:

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

Hmm. Nope. I just supplied a bank account number as requested. I didn't ask for it to be sent via any specific method. 

Normally when there is a surplus you are asked by your solicitor how you want paying . when your solicitor asked for acc details then it would be prudent to expect monies would be sent via chaps .

When you were asked to send your acc number did you ask why they needed it & that your preferred account does not accept electronic transfer 

Thrugelmir

steve866 said:

user1977 said:

steve866 said:

user1977 said:

diego_94 said:

You need to lean on your solicitor to get this sorted, its their mistake after all.

What makes you say that? It was the OP who asked them to send funds by CHAPS to a bank account which doesn't accept CHAPS payments. 

Where did the OP state he/she requested the payment to be made via CHAPS? 

Where did the OP say that the problem was the solicitor not clarifying the method of transfer? CHAPS would be the normal method for large sums, it would be unlikely the solicitor would not have mentioned it would be a CHAPS transfer (especially as they'd be charging for it).

As far as I’m aware electronic money transfer is a generic term and doesn’t relate to CHAPS?

Do you know what CHAPS stands for and that it is actually a Company in it's own right?  

babyblade41

I had to google it because after all these years I didn't know what it stood for 

Clearing House Automated Payment System