Birmingham Midshires Bank stole my money. How to return?

eskbanker

soulsaver said:

They debited a current account; They didn't put it in the savings account. So where was it stolen from?
Who cares?
Either way, it's 'stolen' by Birmingham Midshires.

'Stolen' is an unhelpfully emotive term for this sort of admin error, but it obviously is an error that they need to correct, as I'm sure they will, unless anyone has any evidence to suggest a deliberate attempt to permanently deprive affected (ex-)customers of their money....

adindas

soulsaver said:

They debited a current account; They didn't put it in the savings account. So where was it stolen from?
Who cares?
Either way, it's 'stolen' by Birmingham Midshires.

That is the way I see it. They took it and not return it. More seriously they blame other people for not cancelling the DDs.

This should not happen from any closed saving account..

soulsaver

eskbanker said:

soulsaver said:

They debited a current account; They didn't put it in the savings account. So where was it stolen from?
Who cares?
Either way, it's 'stolen' by Birmingham Midshires.

'Stolen' is an unhelpfully emotive term for this sort of admin error, but it obviously is an error that they need to correct, as I'm sure they will, unless anyone has any evidence to suggest a deliberate attempt to permanently deprive affected (ex-)customers of their money....

If anything is unhelpful here it's indulging in semantics, deflecting from the issue.

adindas

eskbanker said:

You're still missing the point but I can see that it'll be futile to keep looking for ways to paraphrase the same thing, so will leave it at that - I'm sure that most will have sufficient comprehension capabilities to understand!

I also mentioned in my cases all of them are closed saving accounts but DDs are still taken.

adindas

IanManc said:

soulsaver said:

They debited a current account; They didn't put it in the savings account. So where was it stolen from?
Who cares?
Either way, it's 'stolen' by Birmingham Midshires.

For something to be stolen the taker has to appropriate it dishonestly with the intention of permanently depriving the owner of it.

Birmingham Midshires has not stolen the money. It has not acted dishonestly with the intention of keeping the money, it has simply been as incompetent as usual.

@eskbanker is not indulging in semantics, he is stating the truth that Birmingham Midshires have made an admin error, and it is your posting which is unhelpful because it is saying something that isn't true. That doesn't help anyone.

But he keeps arguing that not from a closing saving accounts which are not true based on the solid evidence from print screens I have posted. Even saying other people do not have comprehension.

adindas

IanManc said:

adindas said:

But he keeps arguing that not from a closing saving accounts which are not true based on the solid evidence from print screens I have posted.

He's pointing out that the money is coming from current accounts by direct debit to savings accounts that are supposed to have been closed or have been closed and no longer exist. 

In the screen you've posted Mrs Badger was saying that a direct debit was taken from her current account with Lloyds to her Birmingham Midshires account which BM has said is closed, and that she's been "conditionally" refunded the money by Lloyds after Birmingham Midshires had said that the direct debit - which they took on December 5th - couldn't have been taken, even though it clearly was taken. 

I think you've got the wrong end of the stick about what he's saying. He's not picking a fight with you and I'm sure he and everyone else realise that you're posting with the best of intentions.

That is exactly what I said, other people have the DDs were still taken from a closed saving accounts. Just a rebuttal to the statement that the money is not from a closed saving account

Anyway sensible People are using BM saving accounts purely to pull money from a current account to BM saving accounts to meet DDs requirements. So saving accounts might be closed, but there is no need to close your current accounts.

Adyinvestment

ayvan said:

I already zero the account before because they tell me they will close. They send me the interest after closing. Account is closed now I can not login. After 10 days they surprise take my money with Direct Debit. They take my money 3 times! In same day they use Direct Debit 3 times! I need this money.

Something seems wrong here, what has happened for them to close your account?

If you have took your money out to leave a zero balance how have they taken money out by direct debit 3 times? How can you need this money because the account was zero so you haven't physically lost any? are you overdrawn? is this out of any interest you received?

adindas

Withdrawing saving accounts balance to zero and closing the saving are two different things. The OP has explicitly mentioned  the saving accounts is not just zero balance but it has been closed. A DDs must not be taken from a closed saving account.

Other people have also confirmed the same things. From my print screen earlier, this has also stated by the BM. They even were using a strong wording "NOT POSSIBLE". 

This is DDs  so the money is not coming from zero balance saving account but it is coming from a current account to a closed saving accounts, not the other way around. As the closing balance has been accounted and people have received the CHQ with the closing balance, any money taken after that point of the closing saving account will not be accountable unless you want to spend time over the phone to get your money back.

adindas

IanManc said:

adindas said:

This is DDs  so the money is not coming from zero balance saving account but it is coming from a current account to a closed saving accounts, not the other way around. As the closing balance has been accounted and people have received the CHQas any money taken after the date of the closing saving account will not be accountable unless you want to spend time over the phone to get it back.

Seeing the money has been taken by direct debit then people can try to invoke the direct debit guarantee to attempt to get it back. Mrs Badger mentioned using it in the screenshot that you re-posted. That might be quicker and easier than arguing with BM if BM are still in denial when they're rung up for help and say that taking the direct debit that they took was "not possible" so they couldn't / wouldn't refund it.

Again semantic playing. I am not talking about whether you could get your money back. I am rebutting the denial that the money IS NOT TO A CLOSED SAVING AC. (the statement below) which is not true, as some people have confirmed it. I personally have a few of them. Solid evidence from a few print screen.

I know there are the same group of people here on MSEs teaming up and keep cheering up each other.

k_man

adindas said:

IanManc said:

adindas said:

This is DDs  so the money is not coming from zero balance saving account but it is coming from a current account to a closed saving accounts, not the other way around. As the closing balance has been accounted and people have received the CHQas any money taken after the date of the closing saving account will not be accountable unless you want to spend time over the phone to get it back.

Seeing the money has been taken by direct debit then people can try to invoke the direct debit guarantee to attempt to get it back. Mrs Badger mentioned using it in the screenshot that you re-posted. That might be quicker and easier than arguing with BM if BM are still in denial when they're rung up for help and say that taking the direct debit that they took was "not possible" so they couldn't / wouldn't refund it.

Again semantic playing. I am not talking about whether you could get your money back. I am rebutting the denial that the money IS NOT FROM A CLOSED SAVING AC. (the statement below) which is not true, as some people have confirmed it. I personally have a few of them. Solid evidence from a few print screen.

I know there are the same group of people here on MSEs teaming up and keep cheering up each other.

I thought (apart from Chase) direct debits can only be in to a savings account, not from?

Aren't these direct debits to the closed savings account?