Revealed via YB online banking

[Andy Wade]

Hi folks,

I've been with YB since 1975 and it's a shame that I can't sue them for unfair charges for the whole period I've been with them.

Anyway, that's for another time, I've a lot of forms to download tonight.

How exciting.

 

On another note.

I noticed a funny thing that sometimes happens with money in my account.

When a DD (direct debit) is due to come out on a Monday, the money for the DD often disappears from my account just after midnight on Friday. Which I guess means that the bank had taken it out thinking that I wouldn't notice.

But I did. I have online banking of course and you can see the balance change.

 

I contacted my branch the next working day to ask why this had happened and (eventually) spoke to a very nice lady who informed me that it was bank policy to take the money out so that I couldn't accidentally remove it myself, thus making the DD fail on the Monday morning.

This only happens over the weekend of course. During the week it would be spotted by all their customers.

Unfortunately I don't have a record of the conversation with the very nice lady.

 

Is this yet another example of banks riding roughshod over their customers?

Does anyone else have any experience like this?

 

Andy.

[Robertxc]

I've been with YB since 1975 and it's a shame that I can't sue them for unfair charges for the whole period I've been with them.

Don't be so sure about this. A number of people on this forum are exploring how to go back further than six years. Consider how it is that people can sue fag companies for getting them hooked in the fifties and sixties...

[caro]

Hi Andy

 

Welcome to the forum.

 

When I banked with YB I used to notice that the money for DD's etc did not show on my account if I checked my balance at the cash machine over the weekend, so I guess it must be standard for them. As Robert says, some people are trying to claim further back than 6 years. I think some members have been spurred on by their success with claims over this period and then tried another claim going back further, but it is quite experimental at the moment. As a matter of interest, when I asked for my statements I named a date 6 years back, but they sent them from when I opened the account over 7 years ago. Mind you, they wanted to charge £5 a sheet and didn't seem to understand what a DPA request was. The banks are on a very steep learning curve.

 

Good luck anyway.

[Janet-M]

I contacted my branch the next working day to ask why this had happened and (eventually) spoke to a very nice lady who informed me that it was bank policy to take the money out so that I couldn't accidentally remove it myself, thus making the DD fail on the Monday morning.

This only happens over the weekend of course. During the week it would be spotted by all their customers.

Unfortunately I don't have a record of the conversation with the very nice lady.

 

This is why we stress to always record your calls .

[Andy Wade]

This is why we stress to always record your calls .

 

This was 18 months ago. I did actually ask for an answer in writing (but I never got it) then my partner had our second child and everything else became less important.

I was not fully aware of the efforts made by you guys until I saw Trevor McDoughnut and Martin from moneymanager.com on the telly last night. Now I'm wiser and I'll be recording everything. Thanks for your answers.

 

Up 'til now I've always thought of the bank as an entity that I couldn't fight, I now see that's a complete fallacy. My only worry now is that I might miss the boat. Story of my life. Refunds are what happen to other people. Not this time.

[norvernrob]

Damn right! Just carry it through and don't let anything they say deter you. Stick to the timescales this site promotes, ignore anything the bank says unless it's a full offer and you will get your money.

[trundlecat]

So you don't "accidentally" remove it & they can "accidentaly" have the benefits of getting money in early. Afraid I'm going to have to say it again..... bunch of *****!

 

Good luck with the claim Andy