pb v halifax small acc charge

[pawnbrokers]

Have been dealing with this since about a year, very small sum, but very annoying, got FOS involved and as is often the case, the Fos didnt see anything wrong with what the bank had done. so i have give them this tear stopper, in an attempt to get them to see us small mortals for what we are.

Dear Mr ,fos

I am again grateful to your e-mail, i have received the letter to which it refers and i am a little at a loss to see where there is ever justice from the one sided view that the Banks in UK take.

I have looked at my terms and conditions and do not in any of them see where the physical handing over of a card, gives the receiver the right to take money from it. Please ask the bank to confirm under which point in their t & c's this matter is clear.

The fact that the items, witheld with the banks authority, not mine, never appear on any statement, why??   again i would ask you to get clarification of this fact.

If as is the case, that the amount was never taken, then why should i pay a penalty for this??

It is clear that the bank do not want this information out in the open, otherwise it would appear on my account as a debit and then a credit, to put the matter into allignment. This has not happened??

Then you take the view that its in the banks terms under which i agreed to when i take an account,
i again ask that this be challenged, but then i'm only a pensioner, one small voice, while you are very willing to accept the very big voice from the bank.

I am trying very hard to see the justice in this matter. It is not in any terms that what has happened, has happened. and it is well within the banks rights to reclaim money taken in error, back from those who have taken it, its a clawback of the card system.

If as I maintain, there was no authorisation,for i gave none, then who authorised it, only the bank - fact.
NOT me, so why if they are so certain of what they have done, were the transactions hidden from sight.

When i was in the bank I know from their own monitor screen that, this hotel tried to take this amount three times??, but they didnt get authorisation because i didnt have the funds.
If banks can ring fence money, please show me where this is so, and under what terms in there t&c's.

I know your hating me for my persistance, but you must understand, that my present doleful financial situation is almost entirely caused by the intransigence of banks and there ability to lie and manouver words to mean what they dont.

I would go so far now as to say that the Halifax is threatening to take money out of my account to pay other bills that i consider, i legally do not owe. However due to my financial weakness, i am not able to afford the luxury of taking court action as i dont have the funds, and my only way of getting justice on the other account query, is for them to proceed with court action and allow me freely, to counterclaim for what i consider they owe to me, but no, they now see my regular pensions, small and insufficient as they are, going into a Halifax account and  now threaten  to take it from any account.

We are not dealing with normal people, we are dealing with bankers, so please, learn as i have that what they say is not always what their terms say, and if you proove them wrong they will merely ignore it as though it doent exist.

You at the FOS are the very last bastion of hope for any of us thousands, who have been trampled on by the banks, we are ignored by them and are very easy to put asside. You are not, you are there to see justice, and that means that sometimes the thousands of small voices crying the same
thing, are not all colluding together, we are all suffering from the same intlerable injustice, where little money means litle reward in any financial circle, we are only there to be taken for what they can get.

Please be very kind and once more try hard to see where the terms agree that any of my money can be taken withut my authority.

Yours sincerely

will let yu know the response - no doubt peein in the wind, but who can tell, there are thousands of us so some one some time has to listen - PB

[leclerc]

Re: pb v halifax small acc charge

Can I ask you to copy and past the letter because the HTML coding you have on the post makes it impossible for me to offer any advice because of the way the letter is presented in the post.

Thanks

[Turboman]

Re: pb v halifax small acc charge

Here you go Nattie---think I'v got paras in right place

Can I ask you to copy and past the letter because the HTML coding you have on the post makes it impossible for me to offer any advice because of the way the letter is presented in the post.

Thanks

Dear Mr ,fos

I am again grateful to your e-mail, i have received the letter to which it refers and i am a little at a loss to see where there is ever justice from the one sided view that the Banks in UK take.

I have looked at my terms and conditions and do not in any of them see where the physical handing over of a card, gives the receiver the right to take money from it.
Please ask the bank to confirm under which point in their t & c's this matter is clear.

The fact that the items, witheld with the banks authority, not mine, never appear on any statement, why?? again i would ask you to get clarification of this fact.

If as is the case, that the amount was never taken, then why should i pay a penalty for this??

It is clear that the bank do not want this information out in the open, otherwise it would appear on my account as a debit and then a credit, to put the matter into allignment. This has not happened??

Then you take the view that its in the banks terms under which i agreed to when i take an account, i again ask that this be challenged, but then i'm only a pensioner, one small voice, while you are very willing to accept the very big voice from the bank.

I am trying very hard to see the justice in this matter. It is not in any terms that what has happened, has happened. and it is well within the banks rights to reclaim money taken in error, back from those who have taken it, its a clawback of the card system.

If as I maintain, there was no authorisation,for i gave none, then who authorised it, only the bank - fact. NOT me, so why if they are so certain of what they have done, were the transactions hidden from sight.

When i was in the bank I know from their own monitor screen that, this hotel tried to take this amount three times??, but they didnt get authorisation because i didnt have the funds. If banks can ring fence money, please show me where this is so, and under what terms in there t&c's.

I know your hating me for my persistance, but you must understand, that my present doleful financial situation is almost entirely caused by the intransigence of banks and there ability to lie and manouver words to mean what they dont.

I would go so far now as to say that the Halifax is threatening to take money out of my account to pay other bills that i consider, i legally do not owe. However due to my financial weakness, i am not able to afford the luxury of taking court action as i dont have the funds, and my only way of getting justice on the other account query, is for them to proceed with court action and allow me freely, to counterclaim for what i consider they owe to me, but no, they now see my regular pensions, small and insufficient as they are, going into a Halifax account and now threaten to take it from any account.

We are not dealing with normal people, we are dealing with bankers, so please, learn as i have that what they say is not always what their terms say, and if you proove them wrong they will merely ignore it as though it doent exist.

You at the FOS are the very last bastion of hope for any of us thousands, who have been trampled on by the banks, we are ignored by them and are very easy to put asside. You are not, you are there to see justice, and that means that sometimes the thousands of small voices crying the same thing, are not all colluding together, we are all suffering from the same intlerable injustice, where little money means litle reward in any financial circle, we are only there to be taken for what they can get.

Please be very kind and once more try hard to see where the terms agree that any of my money can be taken withut my authority. Yours sincerely

[leclerc]

Re: pb v halifax small acc charge

Have been dealing with this since about a year, very small sum, but very annoying, got FOS involved and as is often the case, the Fos didnt see anything wrong with what the bank had done. so i have give them this tear stopper, in an attempt to get them to see us small mortals for what we are.

Dear Mr ,fos

I am again grateful to your e-mail, i have received the letter to which it refers and i am a little at a loss to see where there is ever justice from the one sided view that the Banks in UK take.
Bit in bold is irrelevant and you are not helping your case by doing so but merely letting off steam.
I have looked at my terms and conditions and do not in any of them see where the physical handing over of a card, gives the receiver the right to take money from it. Please ask the bank to confirm under which point in their t & c's this matter is clear.
The card at all times remains the property of the bank so they give you the card via the post and anyone who has the number has the right, providing they have taken the money by legal means, to withdraw funds from it.
The fact that the items, witheld with the banks authority, not mine, never appear on any statement, why?? again i would ask you to get clarification of this fact.
If you are talking about funds set aside, then there is one reason, it's called a mistake by the retailer in the course of the transaction which is rectified if the retailer does not collect funds with the authorisation code provided within a period of about 24 days or two working days.
If as is the case, that the amount was never taken, then why should i pay a penalty for this??
Explain this part? Have they charged you for a transaction which was never completed?
It is clear that the bank do not want this information out in the open, otherwise it would appear on my account as a debit and then a credit, to put the matter into allignment. This has not happened??
Absolutely irrelevant to your case.
Then you take the view that its in the banks terms under which i agreed to when i take an account,
i again ask that this be challenged, but then i'm only a pensioner, one small voice, while you are very willing to accept the very big voice from the bank.
Irrelevant, what are you asking for? Pity? Or shall I get the bank's violin out for you?
I am trying very hard to see the justice in this matter. It is not in any terms that what has happened, has happened. and it is well within the banks rights to reclaim money taken in error, back from those who have taken it, its a clawback of the card system.
Maestro debit cards does not have the facility which visa debit card does.
If as I maintain, there was no authorisation,for i gave none, then who authorised it, only the bank - fact.
NOT me, so why if they are so certain of what they have done, were the transactions hidden from sight.
This is completely irrelevant to your case. The bank has not unilaterally given money to someone else cos they have asked for the money.
When i was in the bank I know from their own monitor screen that, this hotel tried to take this amount three times??, but they didnt get authorisation because i didnt have the funds.
If banks can ring fence money, please show me where this is so, and under what terms in there t&c's.
It is in the terms of the card useage. They can allocate funds providing that a company has asked for the funds. If they do not collect under an autorisation code given then the money goes back to you. Unfortunately, they cannot cancel the authorisation code(there are cases in which the merchant ie retailer machine will time out and so they will have a decline message whilst the bank have an authorisation code).
I know your hating me for my persistance, but you must understand, that my present doleful financial situation is almost entirely caused by the intransigence of banks and there ability to lie and manouver words to mean what they dont.
Utterly irrelevant. If you are stating your financial situation is difficult then say so but don't rant to the FOS.
I would go so far now as to say that the Halifax is threatening to take money out of my account to pay other bills that i consider, i legally do not owe.
The bank cannot do that or say that so please can you scan up on the thread the letter that says they did say this(taking out your details)

However due to my financial weakness, i am not able to afford the luxury of taking court action as i don't have the funds(have you looked at the court route? have you researched case law?), and my only way of getting justice on the other account query, is for them to proceed with court action and allow me freely, to counterclaim for what i consider they owe to me, but no, they now see my regular pensions, small and insufficient as they are, going into a Halifax account and now threaten to take it from any account.
Why are you not opening a post office account and asking the pensions department to pay into a different account?
We are not dealing with normal people, we are dealing with bankers, so please, learn as i have that what they say is not always what their terms say, and if you proove them wrong they will merely ignore it as though it doent exist.
This is irrelevant.
You at the FOS are the very last bastion of hope for any of us thousands, who have been trampled on by the banks, we are ignored by them and are very easy to put asside.
Irrelevant and you cannot write to an organisation as though they are thinking living beings. It does not work that way.
You are not, you are there to see justice, and that means that sometimes the thousands of small voices crying the same
thing, are not all colluding together, we are all suffering from the same intlerable injustice, where little money means litle reward in any financial circle, we are only there to be taken for what they can get.
Justice has to be fair to both sides so stop using the words.
Please be very kind and once more try hard to see where the terms agree that any of my money can be taken withut my authority.
They've given their response to you so stop asking them to do this.
Yours sincerely

will let yu know the response - no doubt peein in the wind, but who can tell, there are thousands of us so some one some time has to listen - PB

If you have written this to them then I think you are not just peein in the wind but you are blowing a volcano.

If you have got a thread on the initial issues of the account then please post the thread or alternatively please post up the details so we can have a proper look.