www.iva.co.uk

our bank made an error nov 06 and cancelled our debit card,they appologised but said we could still use our cheque books to pay our creditors, we wrote cheques for bills etc before christmans and the cheques were not honoured,when i complained the manager said it was another bank error our cheque books had been logged by one of their staff as lost or stolen even though i had these cheque books, we have sent a letter of complaint to their customer relations dept over 2 weeks ago,still not heared, but we are being charged £30 and fees now, we have got into a situation initially caused by their mismanagement as i had to pay some creditors over the phone when the cheques were bounced,and to top it all these creditors charged us late payment fees,what is the best course of action if we get no joy from the bank.

We now keep notes, about who we dealing with/when/dates/times etc etc. Afraid we dont trust them banks anymore.

(BT.com is quite useful for prooving when u phoned people. Suprising how many people claim you didnt call em! Lloyds...bless em!)

After writing to the bank (in October) and being ignored, my wife complained via the financial ombudsman in Jan. They caved in and even offerred me money (well to reduce my level of debt anyways). Worked for us.

Hi Angelgardium

If you have a complaint against your bank you should address that directly with your branch manager. If that does not work, as poorbuthappy says go to the ombudsman.

This poster has a positive experience of such action - which although he did not benefit from directly (the bank just reduced their claim in his IVA) he followed his principles of fair play and pursued the case.

Regards, Melanie Giles, Insolvency Practitioner for over 20 years.

For further details contact me at http://www.melaniegiles.com and view my IVA blog at: http://melaniegiles.blogs.iva.co.uk