'One of Them'

[One of Them]

Just so some of you know, complaints are handled within the 12 week period set down by the FOS, FSA and standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.

[dan-rides-bikes]

not as quick as their automated charges though eh!

[MARTIN3030]

Just so some of you know, complaints are handled within the 12 week period set down by the FOS, FSA and Halifax standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.

 

I take it you have first hand knowledge ?

I have always maintained that on the whole Halifax have been dealing with things quite well,especially when you consider other banks.

I do however feel that they should have realised,once the claims started coming thick and fast,that normal operations would be affected unless extra resources were put in place to deal with them.

[One of Them]

I can't give you a yes or no answer. Lets just say that.

[dan-rides-bikes]

if you are a bank employee you need to pm Dave or Bankfodder as the terms and conditions state when you signed up for your account

[One of Them]

Why is that, out of interest?

[One of Them]

> Entry by Banks and their staff is prohibited. Banks will be allowed to enter the forum so long as they have permission from the Administrators.

 

[ignoring this rule is in our opinion a breach of the Computer Misuse Act 1990 - Section 1b.]

 

Ah well, adios. I wonder how you can be in breach of the Computer Misuse Act, i suggest you read up on the Freedom of Information act.

 

See you in court. Sorry i couldn't be of much help.

[dan-rides-bikes]

[sohoscribbler]

What relevance does the Freedom of Information Act have to access to a private forum?

[Michael Browne]

Sadly, it seems, we'll never know!!

[One of Them]

I meant being banned from reading something on the internet, in public domain.

[sohoscribbler]

Well, if you want to follow that line of argument, no one would be allowed to run subscription-only websites and no one would be allowed to have password-protected pages online.

[One of Them]

No, thats exactly the line i was going at. It's publicly viewable. Therefore i have committed no crime.

 

I don't want an argument here, i was only interested in what people thought, i'm not here to pick fights or anything, jeeze.

[barracad]

I have moved these posts to a seperate thread as it is unfair on Gooner to hijack his thread.

 

No, thats exactly the line i was going at. It's publicly viewable. Therefore i have committed no crime.

 

Yes the site is publicly viewable. However, you haven't just viewed the site - you have registered and made posts. By registering, you agree to the forum rules, which state bank employees must gain permission to use this site.

 

If you don't like the forum rules, you don't have to stay here.

 

I don't want an argument here, i was only interested in what people thought, i'm not here to pick fights or anything, jeeze.

 

The comments you are posting and the way you are posting them make it quite clear that you are trying to antagonise other forum users and start arguments.

 

If you wish to continue to use this site then contact a Moderator or Administrator to request permission to do so.

[Guest NATTIE]

oneofthem- I know where you're coming from in terms of why post to an admin and it is on the forum rules. So I ask you one question, are you hear to help people on the forum?

[MARTIN3030]

Hmnnnnnnn

A deafening silence

 

[One of Them]

oneofthem- I know where you're coming from in terms of why post to an admin and it is on the forum rules. So I ask you one question, are you hear to help people on the forum?

I think if people were aware of the correct way to register their complaints and get things moving swifter, there would be less upset people.

 

For a start, send all your complaints to customer relations, they'll get scanned onto the system straight away and wont be held up by some [edit] branch manager. You cut out the middle man and they'll go straight to the people reviewing your complaint.

 

I wont go into specifics of how the internal systems work, but just that its outlined in the leaflet you recieve about complaints procedure.

 

Oh, and that we're actually really nice. You never know. You might end up speaking to one of us.

 

[MODERATED: No need to make offensive comments regarding bank staff]

[Michael Browne]

Can i just state, again, i wasn't talking about you getting any information from a bank, i was talking about my legal right to read whatever the hell i like on the internet that is not specifically and securely away from my view."

You don't have a legal right to read anything on the internet, anymore than one has a legal right to read billboards in the street,you have the ability to read it because it's there for all to see.

That statement in the rules is the same as me putting a webpage up saying "You have just viewed my webpage, you now owe me £20, please pay promptly"

 

Not quite, nobody's asking you for £20 here, it's all free.

[MARTIN3030]

The freedom of information act references shows some degree of understanding.

One of them clearly demonstrates a level of expertise in this field,I wonder if the same level of knowledge extends to questions regarding bank penalty charges.?

 

Perhaps you could explain in the same detail as you talk about freedom of information,why the banks do not appear to see fit to reveal how they calculate their charges......whilst still maintaining they are fair ?

 

Is it not the case that a customer has a right to see the breakdown?

 

And if thats not the case then where is the banks arguement......put it on the table then.

[One of Them]

I know the freedom of information act because im a student in a 'related' field.

 

With regards to the charges, i dont know why they cant release them other than they are commercially sensitive information, which from what i can gather is a competition thing.

[MARTIN3030]

a pint of milk is a competitive thing if you are selling it..............yet we know broadly how much the farmer sells it for and what price the supermarkets sell for.Thats commercially sensitive but we know about it.

 

Its the banks who choose to make it sensitive..........and their ignorance in keeping it so has a price..........which they are finding out to their cost

 

[Guest NATTIE]

oneofthem- I repeat my question for a simple answer, are you here to help? Feel free to quote me but please answer my question.

Yay or nay?

 

I will make some comments so that you can feel free to respond. I come into Haliax and say that I am struggling to survive and the charges are making my life difficult to keep my head above ground. Will you refund me charges?

 

I know that to myself I would say No. If they are unlawful and I say this to Customer Relations, they will say they are fair and in accordance to the terms and conditions. So would I to myself. Would that be fair? Or should I ask for the help of this forum to get back the charges?

 

This forum have helped hugely. Read the bank survey results, Halifax are likely to hit the £500,000 in refunds. NW now almost £100k

[BankFodder]

Just so some of you know, complaints are handled within the 12 week period set down by the FOS, FSA and Halifax standard complaints procedure. Even if you give 14 days, you have no legal right to impose your own timescales on the procedure. Cases are handled as fast as they can, and i can guarantee you, people are working their arses off to sort these out.

This is not correct. Any bank customer is as entitled to set out any timescales for complaint resolution as is any bank.

 

We believe that the correct way to register a complaint is to send

A preliminary letter of request giving 14 days

A Letter Before Action giving 14 days

Then the Good News

 

It works every time.

 

If the banks are unable to handle the traffic it then they are probably over-trading which is a very foolish thing for a well resourced modern business to do.

[One of Them]

oneofthem- I repeat my question for a simple answer, are you here to help? Feel free to quote me but please answer my question.

Yay or nay?

 

I will make some comments so that you can feel free to respond. I come into Haliax and say that I am struggling to survive and the charges are making my life difficult to keep my head above ground. Will you refund me charges?

 

I know that to myself I would say No. If they are unlawful and I say this to Customer Relations, they will say they are fair and in accordance to the terms and conditions. So would I to myself. Would that be fair? Or should I ask for the help of this forum to get back the charges?

 

This forum have helped hugely. Read the bank survey results, Halifax are likely to hit the £500,000 in refunds. NW now almost £100k

Personally, i completley disagree with the whole thing, and the ruling on a whole. I'm a young lady, and i've never incurred a single bank charge (ironic really), but this entire thing is going to affect me and i'm not even claiming. I dont want to have to pay for a bank account in the future, or incur higher interest rates so the banks can recoup.

 

I ask this, other than natweststaffmember, have any of you actually worked for a bank, and know how internal process works, or are you again just quoting from the legal textbook for dummies a solicitor has provided you with to enact this David & Goliath quest where completley honourable, but totally bereft of any real redressing the balance, everyone just wants to 'stick it' to the banks.

[Guest NATTIE]

oneofthem- i'm still asking(feel like Jeremy Paxman) are you hear to help?

Please put yourself in someone else's shoes rather than your own and think how you would feel if you had continually got charged and struggled to make ends meat and then found out that the bank had unlawfully taken charges.