Tweet
Niddy vs Bank of Ireland
I'm really not having much luck lately! I am in the middle of a personal battle with HBOS, HSBC, Opus and now BOI.
Ok, background here - I changed banks in April, as you all know (see my HSBC thread for details) - so I notify all my DD companies and they all manage to sort it by May, to allow streamlined transition.
Bank of Ireland, well that was a different kettle of fish! I'll upload the complaint letter which will explain it in greater detail, along with a screen print of their late payment entry against me.
I am sick of banks treating me like a twat - I will eat them up and spit the fuckers back out again! Arghhhhh
Ooooh yea, I also sent it right to the top (as I do) direct to Des Crowleys inbox
Ok, background here - I changed banks in April, as you all know (see my HSBC thread for details) - so I notify all my DD companies and they all manage to sort it by May, to allow streamlined transition.
Bank of Ireland, well that was a different kettle of fish! I'll upload the complaint letter which will explain it in greater detail, along with a screen print of their late payment entry against me.
I am sick of banks treating me like a twat - I will eat them up and spit the fuckers back out again! Arghhhhh
Ooooh yea, I also sent it right to the top (as I do) direct to Des Crowleys inbox
Dear Sirs,
Account No: XXXXXXXXXXXXXX
I feel the time has come to formally complain as I feel the way I have been treated recently is nothing short of shambolic. In a nutshell, I changed my bank account in April and notified all my payees of my new bank details, you included. However when I rung to check you’d received my instruction, I was told that you need a completed DD mandate even though I had written in asking for the new DD to be taken from the new Coventry account (this is due to a large dispute with my old bank, HSBC).
I was told that I could not pay the next premium over the phone as I was not in arrears, even though I explained to the operative that a payment was due shortly and there would be no way possible to get a new mandate posted to me, receive it back again and give the necessary 14 days before the next payment was due – the operative told me to wait and ring after the payment due date to pay over the phone, I was told that this is normal practice.
Fine, or so I thought, so a few days later when payment was due I rung again and made a payment using my debit card and at the same time I also requested that a DD was set-up. The guy on the phone confirmed he would do this for me and proceeded to request my bank details etc. – he never read me the DD guarantee or anything, so I immediately became suspicious and decided to record the whole call as I felt something was just not right.
So, imagine my horror when a few days later I receive a DD Mandate in the post, I decided to ring and query this being I had done it over the phone at the time I paid using my card and was told nothing was set-up and that you cannot take DD Instructions verbally. I laughed and said nonsense as all companies can take verbal authority for Direct Debits, but she was adamant that I must fill in the mandate so I confirmed I would do so and would post it asap.
Now, fast forward to last week; when I receive a letter from your Credit Control Dept advising that my account is restricted due to non payment – ermm, hello – I had a live DD as far as I was concerned PLUS I tried to pay over the phone and again was told I could not as I was not yet in arrears (absolutely ridiculous rule).
Now, the messing around with payments doesn’t concern me as much as the other major contributor here – you’ve recorded a late payment against me with the credit agencies even though I tried several times to complete payment, plus at the time of the late payment you DID have a valid DD mandate on file, the fact it didn’t suit your payment run is not my concern in the slightest – however what does concern me is your lack of consumer service, the clear lack of a sustainable payment processing model and most importantly your eagerness to cripple the creditworthiness of an otherwise perfect customer with over 2 years of flawless account history.
I am currently in a large FOS / Possible legal battle with Equifax, HSBC & Opus for registering incorrect data against me regards to mistakes made by the bank and I really do not want to add BOI to my hit-list. I am not a happy bunny.
Therefore, you will clearly see from system notes the date and time I rung to make payment in April/May and I formally request you request a tape of the call from your IT dept and listen to it and you’ll clearly hear your operatives telling me that I cannot pay over the phone until I am in arrears (thus resulting in a £12 charge that could and should have been avoided); and also confirming that they’d set up a direct debit for me.
Thus, you leave me no option than to demand immediate removal of any derogatory data registered with the credit agencies – as it was NOT my fault you refused my direct debit over the phone nor was it my fault you insist that I am in arrears prior to being allowed to pay over the phone using debit card – in a nutshell, how on earth else could I pay the instalment due when you put up so many barriers to stop me paying? – I also demand a refund of the two late payment charges applied to the account and removal of any system notes that would suggest I have missed these payments, basically you need to retrospectively return the account back to the point I contacted you PRIOR to being in any arrears, when I tried to make payment which was refused.
As you can see, my bank paid the DD (£125 balance) with no problem on 7th July – this should have been taken as far back as 7th May – definitely by June, but no, to no avail…
If, after 7 days, you have not come back to me with a suitable offer including recompense for my inconvenience, I shall have no option but to refer this to the FOS for their consideration because I cannot allow a late payment entry, as detailed below, to reflect my real standing with you which is otherwise exemplary.
Yours faithfully,
Account No: XXXXXXXXXXXXXX
I feel the time has come to formally complain as I feel the way I have been treated recently is nothing short of shambolic. In a nutshell, I changed my bank account in April and notified all my payees of my new bank details, you included. However when I rung to check you’d received my instruction, I was told that you need a completed DD mandate even though I had written in asking for the new DD to be taken from the new Coventry account (this is due to a large dispute with my old bank, HSBC).
I was told that I could not pay the next premium over the phone as I was not in arrears, even though I explained to the operative that a payment was due shortly and there would be no way possible to get a new mandate posted to me, receive it back again and give the necessary 14 days before the next payment was due – the operative told me to wait and ring after the payment due date to pay over the phone, I was told that this is normal practice.
Fine, or so I thought, so a few days later when payment was due I rung again and made a payment using my debit card and at the same time I also requested that a DD was set-up. The guy on the phone confirmed he would do this for me and proceeded to request my bank details etc. – he never read me the DD guarantee or anything, so I immediately became suspicious and decided to record the whole call as I felt something was just not right.
So, imagine my horror when a few days later I receive a DD Mandate in the post, I decided to ring and query this being I had done it over the phone at the time I paid using my card and was told nothing was set-up and that you cannot take DD Instructions verbally. I laughed and said nonsense as all companies can take verbal authority for Direct Debits, but she was adamant that I must fill in the mandate so I confirmed I would do so and would post it asap.
Now, fast forward to last week; when I receive a letter from your Credit Control Dept advising that my account is restricted due to non payment – ermm, hello – I had a live DD as far as I was concerned PLUS I tried to pay over the phone and again was told I could not as I was not yet in arrears (absolutely ridiculous rule).
Now, the messing around with payments doesn’t concern me as much as the other major contributor here – you’ve recorded a late payment against me with the credit agencies even though I tried several times to complete payment, plus at the time of the late payment you DID have a valid DD mandate on file, the fact it didn’t suit your payment run is not my concern in the slightest – however what does concern me is your lack of consumer service, the clear lack of a sustainable payment processing model and most importantly your eagerness to cripple the creditworthiness of an otherwise perfect customer with over 2 years of flawless account history.
I am currently in a large FOS / Possible legal battle with Equifax, HSBC & Opus for registering incorrect data against me regards to mistakes made by the bank and I really do not want to add BOI to my hit-list. I am not a happy bunny.
Therefore, you will clearly see from system notes the date and time I rung to make payment in April/May and I formally request you request a tape of the call from your IT dept and listen to it and you’ll clearly hear your operatives telling me that I cannot pay over the phone until I am in arrears (thus resulting in a £12 charge that could and should have been avoided); and also confirming that they’d set up a direct debit for me.
Thus, you leave me no option than to demand immediate removal of any derogatory data registered with the credit agencies – as it was NOT my fault you refused my direct debit over the phone nor was it my fault you insist that I am in arrears prior to being allowed to pay over the phone using debit card – in a nutshell, how on earth else could I pay the instalment due when you put up so many barriers to stop me paying? – I also demand a refund of the two late payment charges applied to the account and removal of any system notes that would suggest I have missed these payments, basically you need to retrospectively return the account back to the point I contacted you PRIOR to being in any arrears, when I tried to make payment which was refused.
As you can see, my bank paid the DD (£125 balance) with no problem on 7th July – this should have been taken as far back as 7th May – definitely by June, but no, to no avail…
If, after 7 days, you have not come back to me with a suitable offer including recompense for my inconvenience, I shall have no option but to refer this to the FOS for their consideration because I cannot allow a late payment entry, as detailed below, to reflect my real standing with you which is otherwise exemplary.
Yours faithfully,
Comment