Just received a letter is this usual? Guess what, it is

[andyace]

It is clear that you have no claim against us and while we do not accept liability for the claim, I am prepared ,in an effort to resolve this matter without the need for a court hearing, to refund the full amount........if i haven't got any grounds for a claim why not go to court then?

 

I look forward to hearing from you shortly in response to this offer so we can avoid taking up valuable court time........so why take up valuable court time then, why didn't you just pay up when i first asked instead of waiting for me to issue a claim in the court and then taking the time to acknowledge it ?

[royboy68]

In responce to an SAR request detailing manual intervention from HFC

 

Although many of our systems are automated, a "manual intervention" by HFC staff may be required in a variety of situations including; account opening (realy now) dealing with correspondence (havnt you heard of OCR software) or telephone calls (press # followed by 9 5 3 6 then go away) and account administration (to transfer all the £30s to our own account)

[Guest NATTIE]

Sorry for resurrecting this one but I am seeing the question more and more so here are a few more gems.

andyace beat me to it but hey

We are still right but have a cheque for everything and please don't tell anyone.(yeah right like I am not going to say little ol me beat the bank)

 

We are admitting no liability and as a gesture of goodwill....(you are admitting you will lose).

[crashbandicoot]

Halifux: 'We will not, no siree, absolutely not, under no circumstances, categorically state, that we will NOT pay you back any more money, so take this very generous GOGW of £100.......'

 

Followed by an 'upped' offer of £750 the next week.

[Thailand]

Any liability for tax on the interest awarded is included within the sum offered, and you are obliged to account to HMRC direct for any tax due.

 

YB's new smelly interest avoiding tack.

[stevesj]

from, as crashbandicoot refers the "halifux" -

"I note concern about our charges, but these types of (automated on Christmas Day) transactions do involve extra work and costs...." - press a button now. "crediting the account with funds on the same day does not necessarily cover debits made onthe account that day" - too much lsd "...we check your balance first thing in the morning" - have we got a problem with a likkle hangover then? "We advise customers to allow 3-4 bank working days for a credit to be made to the receiving account" like we beleive that transferring from one HFx account to another online is going to take 3-4 bank working days.........the drugs are on their desks with a glass of water - we've taken a pinch of salt!

[martinhw]

I was stunned at Abbey Credit card today...

 

Thank you for your SAR letter dated 15/12/2006. We will be sending your request as soon as possible. We have considered the timescales you have set out in your letter and are offering a GOGW of £299.00 in respect of the charges applied to your account. - Ding Dong! - I ain't even received the info yet never mind added anything up yet! You bet you know it's gonna be a big one!

[ADE&FAB]

Try this one we received from Nationwide Friday in reply to our Letter Before Action:

 

"We are genuinely sorry that this matter has caused you concern and hope this clarifies the situation and explains why we are unable to refund your charges. If you feel that you are unable to abide by the terms and conditions of your FlexAccount then regrettably it may be an appropriate time for you to consider changing your account to another provider."

 

In other words if you take action we will close your account!

 

MCOL Issued yesterday

[ADE&FAB]

Try this one we received from Nationwide Friday in reply to our Letter Before Action:

 

"We are genuinely sorry that this matter has caused you concern and hope this clarifies the situation and explains why we are unable to refund your charges. If you feel that you are unable to abide by the terms and conditions of your FlexAccount then regrettably it may be an appropriate time for you to consider changing your account to another provider."

 

In other words if you take action we will close your account!

 

MCOL Issued yesterday

[Thailand]

Never let this thread fade. Its a great way to see what individual organisations are up to! count this as a bump.

[msneddon]

Received this yesterday from Abbey

Unlike other European countries where making payments while over drawn is an illegal offence, we offer free banking, provided customers manage thier account as effectively as possible

[poochball]

Having reviewed your complaint, we don't agree with the assertions you have made. We consider our Charges to be Fair and Transparent.

 

That was my favourite

[bobinramsey]

This is part of my repy to Barclays Bank:

 

....

You raised several pionts in your letter which need to be addressed.

 

You claim that your charges are fair and transparent.

I claim that they are excessive and unlawful, and as you have not provided me with any justification, or breakdown of costs, I find no reason to believe your claim that they are fair.

 

You inform me that you disagree with my legal analysis of case law which I have outlined in previous correspondence.

 

that is your right, and only a Judge can decide which of us is correct.

 

You state that the OFT recommended a fee of £12.00.

 

This is incorrect, I suggest that you study the report in more detail.

 

You state that I may ultimatly become eligable to refer to the Financial Ombudsman service.

 

Thank you very much, but this is completely irrelevant. As I have mentioned before this is a legal matter which I believe will be heard in the County court.

[Bilgeman]

'You're a plebby little peasant who is put on this earth to disrupt our day by having the audacity to insist on being a customer and treated with some sort of repect. Go away'

 

which, of course, they don't actually say but comes over in what they do say

[Bilgeman]

Unlike other European countries where making payments while over drawn is an illegal offence, we offer free banking, provided customers manage thier account as effectively as possible

 

 

Abbey, is an 'illegal offence' one that is illegal and therefore not actually an offence?

[eggopp]

'I dont know where the TV is getting its information, its totally untrue NO ONE is getting refunds' Its just a media hype to scare monger..

 

Err hello ive had one lol

[Bilgeman]

Pet hate - anything that begins with 'We regret....'

 

Only used because it's not acceptable to say **** off.

[Mad Nick]

My personal favourites from my own crusade are :

 

"No Directions are required in the Small Claims Track.” Doh !!

 

"In the interests of commerciality the Defendant consents to the entirety of the claim being dealt with in the Small Claims Court." which translates as "In the interests of trying to avoid Standard Disclosure ......"

 

"You asked Abbey to provide a breakdown of how our charges are apportioned. Abbey are not obliged to provide the specific information you have asked for." Except if a Judge Directs them to !!!

 

Regards, Mad Nick

[Jase1982]

We are sorry you are unhappy and we aim to respond to you sometime in the next 13 years. Hopefully by this time time you will either;

 

a) have got bored and given it up as a bad job

b) left the country and forgotten all about it

c) won the lottery

c) have died

 

In the mean time, please find the enclosed leaflets and I hope that by the time you have read them and had a translator and solicitor go through them, the laws will have changed in our favour.

 

This is what they really mean!!

 

hahaha, classic!

 

I love it when Smile say they "HAD" to make this payment, and then go into great detail to explain that their charges are listed in their terms and conditions.

 

They just HAD to, as if their conscience would not have let this go!

[ladybird17]

Our "specialists" are available to assist you...............(and if you're lucky, you might get one who suggests you sell your house, clothes, soul etc, in order to make your monthly payment)

 

Let's hope is not any of the "specialists"who made their TV debut on Whistleblower

[indebtstudent]

See here http://www.consumeractiongroup.co.uk/forum/natwest-bank/55790-my-bro-natwest-4.html?highlight=my+bro+vs+natwest

 

for my contribution I so need to buy a scanner...(its page 4 you want, I have the feeling this could get much longer)

[indebtstudent]

Oh and my mum got a corker off Abbey.

 

The amount is not in dispute (what we just told you it was, you don't understand how it works. If she says the amount is in dispute then IT IS and we settle it in court. If a company could just say no then there would be no need for civil court).

 

I note you have requested that we only communicate in writing (no she said it was harassment if they did not) however we require ot keep all channels of communication open.

 

Actually I'm going to get a thread up because I want to take these cretins to the cleaners.

 

In fact I'm so annoyed I'm going to speak to this prick on her behalf (with her presen of course, I'm aware of the data protection act unlike them).

[jshtr3]

Favorite quotes from Lloyds TSB response to LBA

 

"just as importantly we do everything we can to help our customers avoid these charges...." - Then why did you charge me and charge me and charge me.........?

 

"if you know a payment is going to take you over your agreed limit, you're welcome to see if there's anything we can do" - Think everyone knows what your gonna do if a a payment goes over an agreed limit. That's why we don't like talking to you!

 

"I do hope you can see we make our charging system as fair as possible" - Oh I can see that it's fair to someone!!! I hope you will see that my claim for a refund is as fair as possible!

[monopoly23]

And from Lloyds response to sar

 

"I refer to your recent request for copies of statements on your account to enable you to reconcile your bank charges" -jumping the gun aren't we?

 

"you may now wish to proceed with your claim for reimbursement of charges..." - yes. as a matter of fact i will

 

"if you feel you need further statements, please let me know by returning this letter in the envelope provided" -I think i'll send a non-compliance letter actually, since I already told you I wanted full disclosure!

 

"we are allowed up to 40 days to fulfil your request" - yes. I told you. But since you've sent me this on the 39th day, how do you expect to do that?

 

Are they being like this to purposely wind me up? I think so!

[JOSH_IOU]

ya the banks owe us money.

 

we do not agree with the courts that they dont.

 

cus the law says that they do