I logged a complaint with the Financial Ombudsman Service as they regulate banking activity in the uk. In the end the credit card company i have my card with the did recredit my account within 7 days (after some chasing) and said they would claim from the atm owner and they had 90 days to respond - nothing came of it so i was successful in the end. I hated the inconvienience of it all but i suppose the money came back to me so got the right result in the end.

Yeah done that (well they are sending me a form to sign - omg! ) - just seems crazy i have to wait two weeks once it gets back as well - its the 21st century and everything in linked by computer - i would think 24 hours is more than enough to resolve this. Why i need to fill a "form" in is beyond me - its like going back 50 years using draconian and ancient systems to resolve a modern day problem !!! This should be resolved by the push of a button. If i fill a form out then this is given to someone to process so why cant i just speak to that person who deals with it and get it done a hell of a lot quicker instead of messing around.

On Saturday i attempted a cash withdrawal from a Co-Op bank cash machine. All ok until when it came to dispense my cash, the draw opens to give me the cash but after a lot of clunking and rattling the machine came up with a quick message saying "unable to dispense cash" or something similar (message on flashed on the screen for a few seconds) it then froze and about a minute later turned itself off - now given the machine gave me the message then surely it recognises something is wrong. Anyway went home and checked my account online and a marker had been placed on my account for the £200 - i check again yesterday and the money has now been debited - now as mentioned the machine knew their was a problem so why has my account been debited ? I phone Co-op customer services and was told to go back to my bank to query - problem i have is that surely its up to co-op bank to resolve as it was their machine - why am i having so much trouble getting Co-op to accept its something they should be dealing with - their machine malfunctioned so surely its down to them to check the journal and realise the machine is £200 over and give me my money back. I spent 11 years working for a high street bank and am utterly stunned at their disregard for resolving this - can anyone help and give me any tips on what to do from here as i dont really fancy a long drawn out process to get back something that is mine.

Thanks for the response, we will get onto the sols tomorrow to act quickly As a side issue - for possession do they not have to issue a default notice of some kind first as well ?? As yet we have received nothing other than some random unannounced call making the threat.

Hi everyone Nice meaty one to get stuck into here - basically my grandfather passed away in Sept 2011. Whilst he was in a care home the property was and still is being let on a 12 month tenancy agreement via a letting agent due to finish in Aug - mortgage lender was NOT made aware of this "arrangement". The issue is that the lender is threatening reposession of the property but all mortgage payments have been made and will continue to be made until such time as the property is sold once tenancy agreement ends in Aug 2012. It appears that they are claiming a breach of terms of conditions - i.e. property let without agreement. Loan to value on property is approx 30% and the sole benfactor from the estate is my mother. Estate is still in the hands of the solictors - should we be expecting more from them in terms of dealing with this ?? What are my rights and how can i delay these proceedings until August when the current tenancy agreement expires ?? My mother is concerned that the property would be sold for a pittance if they did enforce possession given the low LTV and wont be sold for its true market value. Any advice would be appreciated.