Switching bank problem

WillPS

jules61_2 said:

Hi thanks again for your reply yes i still have the coop bank debit card i was going to try and make a withdrawl that would be interesting if it worked and i got money out but 
i thought id wait till close of buisnes to see if it does go over to santander it hasnt its still showing in the coop account 😡😡im  absolutely fuming now you are so right ive been lied too from the coop bank and messed about and santander have not been any help but ive had no access to funds since fri and i rely on my wages 
the direct debit was for my car insurance now that wont of been paid so that will now incur a administration charge of £25 on top of my monthly premium all because their switch failed miserably honestly im just fed up 
i think because im a woman on my own im just too soft natured i wish i had the guts too demand compensation but i deserve some sort of appology thank you again youve been so much help 

Happy to help you construct a complaint. It doesn't need to be particularly harsh in tone, just a simple statement of the problems which occurred and a suggestion for what you might consider adequate compensation. They are free to say 'no' but IME where you've been significantly inconvenienced they're sufficiently keen to keep it away from the Ombudsmen (which costs ~£750 a time regardless of the merits of your complaint) that they might accept it.

As @flaneurs_lobster correctly notes above covering any administrative charges is the very least Santander should be doing for you.

Bigwheels1111

I found when making a complaint with TSB a few years ago each problem justifies an amount of compensation.
Had to borrow money from friends or parents etc £100, Had to use another bank to pay bills £100.
20 plus calls and visits to the bank, parking £100.
I got over 1k in 2 payments.
£750 first payment, they looked into my complaint 6 months later and another £300 was paid.

friolento

Are you sure you requested a full switch, with your old account at the COOP to be closed?

GibbsRule_No3.

Was there enough time between the closing and opening of the new account for the payments?  My sister, when switching from HSBC to TSB, was asked to check one of her Direct Debits as it was due out before the paperwork and new card would arrive. She called the company and they asked if she could pay the month and they could then close that DD.  When I switched a few years ago, I did make certain my big monthly bills, Rent, Council Tax and Electric had gone out, leaving a couple of weeks for smaller bills, just incase anything did go awry.

eskbanker

GibbsRule_No3. said:

Was there enough time between the closing and opening of the new account for the payments?  My sister, when switching from HSBC to TSB, was asked to check one of her Direct Debits as it was due out before the paperwork and new card would arrive.

That sounds like a slightly different issue, of scheduling a switch before the new account if fully up and running, which is rarely a good idea - unless it's a switch of a donor account set up specifically to take advantage of switching offers, it's always best to ensure that a newly-opened account has been fully tested (cards/PINs validated, online access, money moved in and out, etc) before arranging a switch into it.

The issue of optimising a switch date to take account of scheduled payments differs from that....

Katiehound

The magic words are "I want to make/ lodge a complaint" because they have to start a complaints procedure then- you don't need to tell a long sob tale- just a brief explanation of what went wrong.
 Personally I would use that phrase at both banks & see what happens.

Also make quite sure that your employer has the new bank details