Financial Service Authority - Questions

[MIKE770]

Have E.Mailed them with a question regarding Default Charges for Direct Debits. i.e. Payout at Midnight & credits being made on the same day, see what they answer.

[Amethyst]

Re: Financial Service Autority - Questions

May be an idea to send the same/similar enquiries to a number of banks PR depts.

[MIKE770]

Re: Financial Service Autority - Questions

May be an idea to send the same/similar enquiries to a number of banks PR depts.

Have sent to MP, OMB, FSA. might as well get around to the Banks as well.

[Amethyst]

Re: Financial Service Autority - Questions

Well done, be very interesting to see any replies.

[TUTTSI]

Re: Financial Service Autority - Questions

Do you want me to write to Abbey?

May be an idea to send the same/similar enquiries to a number of banks PR depts.

[MIKE770]

Re: Financial Service Autority - Questions

Do you want me to write to Abbey?

Do you want me to write to Abbey?

Thanks Tuttsi, o.k Hon. will PM you what I sent to the Banks,as I sent different to the OMB/MP/FSA

[MIKE770]

Re: Financial Service Autority - Questions

Have sest to Natwest & Barclays via e.mail, lloyds do not seem to like E.mails as I cannot find contact details by e.mail, will do RBS etc later.

[MIKE770]

Re: Financial Service Autority - Questions

Have sest to Natwest & Barclays via e.mail, lloyds do not seem to like E.mails as I cannot find contact details by e.mail, will do RBS etc later.

E.mail receipt from H.S.B.C. to-day, giving reference No: - Barclays delivery service notification (Delay) DNS error could not contact DNS Server,,will be retried for 2 more day(s), Nothing from Natwest yet.
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Have sent to MP, OMB, FSA. might as well get around to the Banks as well.

Had responses/acknowledgment from all three organisations, near immediate from M.P.

[Amethyst]

Re: Financial Service Authority - Questions

Excellent response from the MP Mike, good stuff, see if he gets a response from higher up as he indicated.

[MIKE770]

Re: Financial Service Authority - Questions

Do not think Barclays want my E.Mail, same DNS error to-day.

[MIKE770]

Re: Financial Service Authority - Questions

Have E.Mailed: OFT also Satander to-day.

[MIKE770]

Re: Financial Service Authority - Questions

Reply from HSBC Thursday, well they are not answering the questions, so template letter except to say that If I am in a situation whereby I pay in on a Direct Debit due day to tell the cashier at the Branch at the time that the Monies are to cover DD, which proves they have not read my e,mail properly as I have not mentioned that I experianced the said problem, only it has come to my attention. Also if any further comments to contact Quality control Team, I will when I am back from Holiday as I have 8 weeks to respond to them.

[MIKE770]

Re: Financial Service Authority - Questions Attn NATTY

Hi Natty, would be very useful if you have Office addresses/department addresses, as hardly any response to the question I have asked the banks, via e.mails.

[MIKE770]

Re: Financial Service Authority - Questions

Have received this response from FSA: -

Thankyou for your e.mail sent on 8 March 2010. I understand that you would like to make a comment on direct debits and default charges that banks make and the way they treat their customers.

I would like to thank you for taking the time to contact us about this situation. It is clear from your e.mail that you retain a keen interest in the UK!s financial services industry, particularly in relation to consumer interest and wider issues surrounding regulations.

Your email has invited the FSA to consider your comments. As the UK!s financial regulator, we welcome information and comments which may highlight concerns within our remit and will continue to do so. Therefore, we have placed the details of you e.mail on record.

Whilst it is beyond the scope of our responses to address in detail the individual analasis and comment which we receive, please be assured we do evaluate this information in light of our resposibilities. As I am certain you are aware, the FSA!s consultation and discussions surrounding these issues are publicised throughout the industry, and are available from our website.

www.fsa.gov.uk/Pages/library/index.shtml

Thank you again for the concerns which you have highlighted.

If you have any future questions on financial services and products, you may find it easier to call our Consumer Helpline on 0845 606 1234 (call rates may vary). Before doing so, you can learn about the work we carry out as the point of contact for consumers in our information sheet "The Customer Contact Centre":
http://www.moneymadeclear.fsa.gov.uk...act_centre.pdf

Although I appreciate that this may not be the response you were hoping to receive I trust that the above information has clarified our position.

Yours sincerely


Peter Jones (Mr)
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No responses from Abbey, Barclays, LLoyds, Natwest, HBOS, BOS, Nationwide. will work on them soon.

[MIKE770]

Re: Financial Service Authority - Questions

Have received this response from FSA: -

Thankyou for your e.mail sent on 8 March 2010. I understand that you would like to make a comment on direct debits and default charges that banks make and the way they treat their customers.

I would like to thank you for taking the time to contact us about this situation. It is clear from your e.mail that you retain a keen interest in the UK!s financial services industry, particularly in relation to consumer interest and wider issues surrounding regulations.

Your email has invited the FSA to consider your comments. As the UK!s financial regulator, we welcome information and comments which may highlight concerns within our remit and will continue to do so. Therefore, we have placed the details of you e.mail on record.

Whilst it is beyond the scope of our responses to address in detail the individual analasis and comment which we receive, please be assured we do evaluate this information in light of our resposibilities. As I am certain you are aware, the FSA!s consultation and discussions surrounding these issues are publicised throughout the industry, and are available from our website.

www.fsa.gov.uk/Pages/library/index.shtml

Thank you again for the concerns which you have highlighted.

If you have any future questions on financial services and products, you may find it easier to call our Consumer Helpline on 0845 606 1234 (call rates may vary). Before doing so, you can learn about the work we carry out as the point of contact for consumers in our information sheet "The Customer Contact Centre":
http://www.moneymadeclear.fsa.gov.uk...act_centre.pdf

Although I appreciate that this may not be the response you were hoping to receive I trust that the above information has clarified our position.

Yours sincerely


Peter Jones (Mr)
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No responses from Abbey, Barclays, LLoyds, Natwest, HBOS, BOS, Nationwide. will work on them soon.

Ombudsman reply quite similiar to above.