Santander ignoring me

[pooky2483]

Re: Santander ignoring me

The benefits thing is straightforward enough but the simple explanation is to move banks.

Not really an option due to our credit files.

[pooky2483]

Re: Santander ignoring me

This isn’t the first one that I've had trouble with, I’ve had the case where they’ve messed me and Mrs pooky about when we wanted to change my single acc into a joint account.
They took the banks side first so I am now waiting to see what the adjudicator (or whatever they are)says.
As I've heard before, the FOS are in the pockets of the banks.

[di30]

Re: Santander ignoring me

Well, I've got a reply from the FOS.
It's NOT the answer I wanted, in fact I'm fuming
Ive sent them a quick reply via email saying I believe Santander are withholding the letters of appropriation and that I am going to take it further by involving the ICO and taking them to court if they don’t refund the charges.

Pooky

One of mine was just rejected by the adjudicator, in regards of mis selling of bank account packages, the adjudicator totally mis-understood, some of the reasons we given, and said due to lack of information from the bank, so with that "luckily" I ended up finding the info required, emailed it through, she got back to say she is now going to take the statements into consideration which may now change her findings.

They seems to be rejecting a lot of cases like yours and mine, keep at them!

[Never-In-Doubt]

Re: Santander ignoring me

Refer to an ombudsman mate.....

The benefits thing is straightforward enough but the simple explanation is to move banks. However I would refer this to an ombudsman - maybe having spoken to Paul first...

[pooky2483]

Re: Santander ignoring me

I'd like to see Pauls' thoughts on this (the resident legal specialist), and Niddy's...

[SXGuy]

Re: Santander ignoring me

So basically, they are saying, the bank cant touch benifit money, unless you deposit it in to an account which is overdrawn.

Bit like saying, we cant touch it if you paid it in to another bank, which is kinda obvious.

[pooky2483]

Re: Santander ignoring me

Well, I've got a reply from the FOS.
It's NOT the answer I wanted, in fact I'm fuming
Ive sent them a quick reply via email saying I believe Santander are withholding the letters of appropriation and that I am going to take it further by involving the ICO and taking them to court if they don’t refund the charges.

[pooky2483]

Re: Santander ignoring me

After sending what Niddy said to send, I got this back;

In Mr Omozusi's absence, I have requested your archive file to look into your request to re-open your file. He has reviewed the further submissions you have made. As you are not happy with this, the only option left is for an ombudsman to review your file from afresh. On doing so, they may or may not agree with Mr Omozusi's assessment of your complaint.
The timescales in which we ask for responses are the same for both parties and we do make it clear that if either party would like an extension, we need to know this before the initial deadline. In your case, it seems that Mr Omozusi's original assessment of your complaint did not reach you. For this reason, re-opening your complaint may be a possibility. However, I would like to review the file as soon as received from archiving first.

If agreed, I will arrange for Mr Omozusi to issue letters next week confirming that your case has been put forward for an ombudsman's decision. Please be aware that due to the number of complaints we are currently dealing with, this process is likely to take months as opposed to weeks. We will of course keep you up to date with the progress of your case during this time.

Either myself or Mr Omozusi will be in contact during the next week to confirm the next steps.

[pooky2483]

Re: Santander ignoring me

Re Bank charges, I think I have another thread but I'm not sure or it's in here in an earlier post.
check out this post in LB Social Security Administration Act 1992-Section 187

How I interpret what they say is that the SS ruling about charges against SS Benefits are useless so whats the point of the rules therein?

[pooky2483]

Re: Santander ignoring me

If the DD's caused you to get charges and/or penalties then you ought to complain direct to the firms.

Do that as you can still go to FOS if any we're financial DD's.

Good luck.

Most of them were due to me forgetting about them or slightly overspending.

[Never-In-Doubt]

Re: Santander ignoring me

If the DD's caused you to get charges and/or penalties then you ought to complain direct to the firms.

Do that as you can still go to FOS if any were financial DD's.

Good luck.

[Never-In-Doubt]

Re: Santander ignoring me

Email )

[pooky2483]

Re: Santander ignoring me

You should reply as follows: it also tells you the processes lol

** change the "To" name

Dear Mr Twat,

I do not accept that your view is indeed independent as you claim, coupled with the fact I have requested this be investigated by a case review officer, I feel your extremely biased and quite ridiculous fob-off needs escalating so please - as previously requested - refer the whole case-file to a case review officer and also treat this as a formal complaint against the Service as I feel you've been anything but fair. I also feel your quite ridiculous time constraints are near in impossible to meet and when I do get round to it you tell me its too late.

Have you considered my health, ability or other things that may hinder my immediate response? You too are guilty of delaying things unnecessarily.

Please have your team manager look into my complaint regards you and your quite absurd ability to miss the obvious. I state I had X account and proved it with data from a SAR yet you still go against this direct proof in favour of your "opinion". That is not what the FOS was intended.

Yours sincerely,

Shall I send this by email as I have his email addy or by letter?

[pooky2483]

Re: Santander ignoring me

I must also point out that I have got further by myself, without FOS's help as in Mr Webb had recently given us £100 as a sort of apology.

He has also asked me to contact one of the companies who take money via Direct Debits because I pointed out to him that one of the reasons I occasionally have a bounced DD is because the companies send the request for the DD around 4 days before its due to account for processing time and is then taken out of the around on the specified date.

The DD reason is one of the factors as to why Mrs pooky did not get a Debit Card when my account was changed to a joint acc. Mr Webb said that its because of how the account was being handles as to why no card was issued. So, what if I died tomorrow, hows Mrs pooky going to draw any money to live on?

[Never-In-Doubt]

Re: Santander ignoring me

You should reply as follows: it also tells you the processes lol

** change the "To" name

Dear Mr Twat,

I do not accept that your view is indeed independent as you claim, coupled with the fact I have requested this be investigated by a case review officer, I feel your extremely biased and quite ridiculous fob-off needs escalating so please - as previously requested - refer the whole case-file to a case review officer and also treat this as a formal complaint against the Service as I feel you've been anything but fair. I also feel your quite ridiculous time constraints are near in impossible to meet and when I do get round to it you tell me its too late.

Have you considered my health, ability or other things that may hinder my immediate response? You too are guilty of delaying things unnecessarily.

Please have your team manager look into my complaint regards you and your quite absurd ability to miss the obvious. I state I had X account and proved it with data from a SAR yet you still go against this direct proof in favour of your "opinion". That is not what the FOS was intended.

Yours sincerely,