Disability Discrimination? - Metro Bank

sheramber

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[Deleted User]

theoretica said:

Another option to try might be going in to a post office when they aren't busy, and asking if they by any chance can find out the address change procedure for Metro Bank. 

The Post Office don't offer any services to personal Metro Bank customers - not sure why you'd send them there?!

The OP caused this issue by not updating their details when they moved house. I'd suggest they make a complaint (lack of access to funds) and see if they can find a way to assist but it's hardly disability discrimination.

MovingForwards

mab3000 said:

MovingForwards said:

If you've got the account details eg sort code, account number etc switch that account to someone else as there's a few offers around at the moment.

Some banks allow you to switch it into your existing account and receive their reward, subject to criteria.

The OP would need to change the address with Metro Bank in order for the switch to work, otherwise it would get rejected based on the customer details not matching. 

Could always submit a written complaint, proof of ID and details of the new address, asking them to update it. Then do a switch (I've never done a switch so don't know how they work)

eDicky

Justwe03 said

I just wanted to forward the funds to my current account and close it.

It used to be possible to close a bank account by mailing a letter with clear written instructions to do so and to send funds to an account in one's name at another bank, or to mail a cheque. The last time I did this was at least fifteen years ago, Standard Chartered Jersey. Is it still possible..?

p00hsticks

eDicky said:

Justwe03 said

I just wanted to forward the funds to my current account and close it.

It used to be possible to close a bank account by mailing a letter with clear written instructions to do so and to send funds to an account in one's name at another bank, or to mail a cheque. The last time I did this was at least fifteen years ago, Standard Chartered Jersey. Is it still possible..?

I very much doubt that banks would permit that these days - other than the fact that the new account and or cheque is in the same name, there's no real security in place to protect the acconut owner form fraudsters doing that.

wmb194

p00hsticks said:

eDicky said:

Justwe03 said

I just wanted to forward the funds to my current account and close it.

It used to be possible to close a bank account by mailing a letter with clear written instructions to do so and to send funds to an account in one's name at another bank, or to mail a cheque. The last time I did this was at least fifteen years ago, Standard Chartered Jersey. Is it still possible..?

I very much doubt that banks would permit that these days - other than the fact that the new account and or cheque is in the same name, there's no real security in place to protect the acconut owner form fraudsters doing that.

You can and the cheque arrived today. I was asked to upload a copy of an ID to the BS' system but otherwise it was straightforward. We also hear of people having their accounts closed and cheques being sent to them. Thing is, the bank/BS will want to send the cheque to the registered address and this won't help the OP until they can have it updated.

p00hsticks

wmb194 said:

p00hsticks said:

eDicky said:

Justwe03 said

I just wanted to forward the funds to my current account and close it.

It used to be possible to close a bank account by mailing a letter with clear written instructions to do so and to send funds to an account in one's name at another bank, or to mail a cheque. The last time I did this was at least fifteen years ago, Standard Chartered Jersey. Is it still possible..?

I very much doubt that banks would permit that these days - other than the fact that the new account and or cheque is in the same name, there's no real security in place to protect the acconut owner form fraudsters doing that.

You can and the cheque arrived today. I was asked to upload a copy of an ID to the BS' system but otherwise it was straightforward. We also hear of people having their accounts closed and cheques being sent to them. Thing is, the bank/BS will want to send the cheque to the registered address and this won't help the OP until they can have it updated.

In other words... the bank only do it these days with additional security checks in place (in your case, uploading ID) - which was the point I was trying to make

wmb194

p00hsticks said:

wmb194 said:

p00hsticks said:

eDicky said:

Justwe03 said

I just wanted to forward the funds to my current account and close it.

It used to be possible to close a bank account by mailing a letter with clear written instructions to do so and to send funds to an account in one's name at another bank, or to mail a cheque. The last time I did this was at least fifteen years ago, Standard Chartered Jersey. Is it still possible..?

I very much doubt that banks would permit that these days - other than the fact that the new account and or cheque is in the same name, there's no real security in place to protect the acconut owner form fraudsters doing that.

You can and the cheque arrived today. I was asked to upload a copy of an ID to the BS' system but otherwise it was straightforward. We also hear of people having their accounts closed and cheques being sent to them. Thing is, the bank/BS will want to send the cheque to the registered address and this won't help the OP until they can have it updated.

In other words... the bank only do it these days with additional security checks in place (in your case, uploading ID) - which was the point I was trying to make

This was just in this case because apparently I should have known to sign the passbook despite there being no obvious space for it...  I usually don't have to do this. 

The 'security' is the signature on the letter matching their records, inclusion of a passbook if relevant, sending the cheque to the registered address plus the cheque itself must be deposited to an account in the name of the account holder. The amount in question can play a role as well, larger amounts seeing more scrutiny.

Section62

Section62 said:

...

I escalated a complaint to FOS last week, and although there was a box on the online form for the [complaint] 'reference number' [or similar] this wasn't a "Required" field, you could simply write "Unknown" or leave the box blank.

It won't necessarily lead to a swift conclusion though - on submitting the form I got a pop-up saying they were very busy with complaints and it would take longer than normal for them to deal with it.  Over a week later I still don't have anything more than an automated reply saying they had received something from me.

Just an update to this - it was 2 weeks for the complaint to be logged and an email sent saying it might take around four months before a case handler gets in touch and starts looking into the complaint - but could be more or less depending on what the complaint is about.

Probably not the best route to adopt if there is any urgency in resolving the problem.