The Official "Get ZTD his smut fix" Friday Night Party Thread

skint_spice

ZTD wrote: »

Would it not be best to wear those PJ's for the first few times, then suddenly come down in the nightdress with the words "I like you..." :kisses3:

eh??? surely by the time a bloke's seen my pjs he'd know I liked him? what sort of girl do you think I am? Humpf!!!:p

spud30

Right, so I made a mistake - I should've given them a time limit for a reply.

I will compose a letter tomorrow, giving them 2 weeks to respond and post it recorded delivery on Monday.

After that, is my formal complaint made to them, or to the Financial Ombudsman?

spud30

ZTD wrote: »

Hey, smut I'm as fast as lightning...deep lovin' takes a little longer... :kisses3:

I'm loving the sound of a bit of deep lovin' :kisses2:

ZTD

It's made to them. It's gives them time to look at it and put things right. If they don't resolve things to your satisfaction, then you have the ability to complain to the Ombudsman.

If you have a look on your bank's website, then you will find their formal complaints' procedure. Have a look at them - it'll give you their time-limits too.

ZTD

skint_spice wrote: »

eh??? surely by the time a bloke's seen my pjs he'd know I liked him? what sort of girl do you think I am? Humpf!!!:p

You're a vigorous humpf-er from the sound of it.

Did you used to humpf behind the bike-sheds?

ZTD

skint_spice wrote: »

I'm finally starting to feel human again - had two HUGE vats of coffee while I was out earlier and felt really jittery. now I remember why I don't do coffee!

So what do you do then..?

Snaggles

Spud, I would try putting in in writing and sending it recorded - make sure you say it is a complaint because then they have to respond within a certain timescale (by close of business the following working day I think) otherwise it shows up on a report that they have to send to the....(oh god, I've been away from work so long I can't remember who it is.....ombudsman? fsa? ).

They can send you a holding letter, advising you they will investigate, but they have to give you a timescale that it will be dealt with within (and probably a VERY interesting leaflet.....yawn....).

You can't take it to the ombudsman until you have had a final written response from the bank (ombudsman will just refer you back to your bank's own complaints procedures if you try, unless 8 weeks has passed since you first raised the complaint), but you can make the bank fully aware you are intending to pursue this and intend to take it to the ombudsman if you don't get a satisfactory response.

Sorry about the vagueness.....baby-brain and 12 months maternity leave does that to you....:rolleyes:

(if you need some more definite timescales/facts and figures, give me a shout and I will try and pester someone from work to email me the exact guidelines)

spud30

ZTD wrote: »

It's made to them. It's gives them time to look at it and put things right. If they don't resolve things to your satisfaction, then you have the ability to complain to the Ombudsman.

If you have a look on your bank's website, then you will find their formal complaints' procedure. Have a look at them - it'll give you their time-limits too.

Ta hun.

I just had a look on the web site, and they 'promise to respond within 7 days' They have, but only to say my query is being looked in to.

I'll give em another few days then go on to step 2 which is asking my complaint to be referred to a senior manager, who will review my case and give a full report within 28 days.

So much for 'proud to be different'

ZTD

Well the Ombudsman bridges the gap between individual complaints and the banks, while the FSA monitors "trends of complaints" with the banks.

They probably meet quite a bit in the middle.

ZTD

spud30 wrote: »

So much for 'proud to be different'

They probably innovate in fobbing-off techniques...