Grrrrr Banks!

[dirtydog]

Right I hate banks at the best of times because they're a bunch of thieving, robbing barstewards :smt013

This is what's happened recently. I pay my rent in cash into my landlords bank account. This month I paid the money in using the deposit box thing where you fill in the paying in slip and put it in the envelope. I did this on 12th. Then on 19th my landlord phones me to say the money isn't in his account. I've been to the bank and they say they cant find it. The bank phoned my landlord this afternoon and said that they defintiely don't have the money as their tills were right for that day and that I probably didn't pay it in!

Now I'm pretty pi$$ed that they've lost my money and that they're implying that i'm a liar :smt013:smt013.

Now is where you clever lot come in. What's going to be my best course of action to sort this?

[missyburd]

Didn't you get a receipt printed off from the machine when you paid the deposit in? I always make sure I have just in case something like that happens :(

Hope they sort it out, blumin' banks :smt075

[dirtydog]

No it's just one of those post box types. The cashiers don't even give you a receipt unless you ask for it. There was a huge queue and I had to get to another job, which is why i used it

[pencil shavings]

I would have thought there would be somesort of CCTV that would show you doing it?

[dirtydog]

Yeah they should have CCTV but will they check it?

[YoungMan]

Nightsafe or In Bank Deposit box?
Either way the branch has to account for all cash deposited or their people can make off with the readies. So when the box is opened - all the cash amounts are tallied.
Request an interview with the Chief Clerk of the Bank (forget the manager - he's on a sales target) explain the problem. You should get some understanding. Any evidence you can present (cash slip, regular payments you have made in the past) will help.

Failing that, an iron bar, rage and GBH will probably end in a deep sense of satisfaction and a jail sentence = no rent paymets. Result!

[pencil shavings]

Yeah they should have CCTV but will they check it?

And I supose its not really in their interest to check it :thumbdown:

[phil24_7]

I'd go with the CCTV thing, tell them what time you were in there and what you were wearing (make sure you speak to the branch manager as it's a v serious matter) and get them to view the cctv.

Good luck

[dirtydog]

Nightsafe or In Bank Deposit box?
Either way the branch has to account for all cash deposited or their people can make off with the readies. So when the box is opened - all the cash amounts are tallied.
Request an interview with the Chief Clerk of the Bank (forget the manager - he's on a sales target) explain the problem. You should get some understanding. Any evidence you can present (cash slip, regular payments you have made in the past) will help.

Failing that, an iron bar, rage and GBH will probably end in a deep sense of satisfaction and a jail sentence = no rent paymets. Result!


In bank deposit box which is at the end of the counter.
I'm very tempted by the iron bar option but it's not really the end result that i'm after ;)

And I supose its not really in their interest to check it :thumbdown:
No probably not.

[Stu]

Can you ask your landlord for a bank statement to prove he hasn't got it? - I don't suppose the bank can tell you anything directly. Which bank is it?
I'm sorry it's not much help but when I do this to my Natwest bank there is a tear off receipt to the envelope that I keep until i see the money in my account

[Stu]

what you were wearing
What were you wearing on the 12h of May? Ah, didn't think you would remember.

[dirtydog]

Can you ask your landlord for a bank statement to prove he hasn't got it? - I don't suppose the bank can tell you anything directly. Which bank is it?
I'm sorry it's not much help but when I do this to my Natwest bank there is a tear off receipt to the envelope that I keep until i see the money in my account



Both my landlord and ythe bank have said that it hasn't gone into his account.
It's LTSB
They don't have the little tear off slips on thier envelopes or even on their paying in slips.
They even tried to say maybe I had paid it into Natwest bank next door to them :rolleyes:

[Ed]

Unlikely to be CCTV in a bank, usually the cameras run by an alarm activation.

I'm acting for a client who's suing Barclays for £5K which he deposited. He even has a stamped receipt and they are still claiming that he didn't pay it in as their tills balanced - they claim that the stamped counterfoil must be the cashier mistakenly stamping the next counterfoil. As if. You could swear a statutory declaration to say that you paid it in by dropping it in their box but the problem is that you have no corroborative evidence, and it's your word against theirs. The onus of proof is on you, so unless you can find something - eg where did you get the cash from, what were the denominations, is there a set pattern of paying in cash in that amount on that date, then you're not going to win I'm afraid.

[dirtydog]

Unlikely to be CCTV in a bank, usually the cameras run by an alarm activation.

I'm acting for a client who's suing Barclays for £5K which he deposited. He even has a stamped receipt and they are still claiming that he didn't pay it in as their tills balanced - they claim that the stamped counterfoil must be the cashier mistakenly stamping the next counterfoil. As if. You could swear a statutory declaration to say that you paid it in by dropping it in their box but the problem is that you have no corroborative evidence, and it's your word against theirs. The onus of proof is on you, so unless you can find something - eg where did you get the cash from, what were the denominations, is there a set pattern of paying in cash in that amount on that date, then you're not going to win I'm afraid.



Bugger. Cheers for the reply Ed, just confirms what I feel about banks. The robbing gits

[kitkat]

thats rubbish that is, will make sure I never use that quick deposit thingy in the bank. :(

[dirtydog]

Well the only thing i'm ever going to post through their letter box from now on is dog poo :mrgreen:

[DanDare]

I would cancel the cheque and set up a standing order to your landlords account. Thats how I get my tenants to pay.

Banks are not what they used to be. They're all about profit and sales.

I often avoid going into my bank now for the fact that everytime I go near them they ask if I have reviewed my loan. They're only trying to get me to renew it at cost to me.

[Warthog]

I just deposited money like this (albeit in an electronic machine deposit thing). They give you a receipt but it is solely based on what I tyed in, i.e. they could quite easily say Ididn't actually put the money in at all. And I have no proof. Bad situation to be in DD, bad luck. :(

[dirtydog]

It was cash i paid in which is why i'm a bit narked about it. The reason I don't use a standing order is that i'm self employed and don't always have the money in my account on the right day

[Steve_God]

Solution: Internet banking.
Keeps all proof of what you've done on an electronic system.
No possible method of doubt!

[DanDare]

I didn't know those boxes were for cash, I thought they were cheque only.

In that case I can't understand how they say the books tally. It sounds like someone has pocketed this money and not bothered adding it to their system.

Go in there and explain you think they have a thief among their employees.
That'll get the managers **** twitching!

[injury_ian]

Well the only thing i'm ever going to post through their letter box from now on is dog poo :mrgreen:

And you could bet your life that they could track that back to you [-(

[dirtydog]

Solution: Internet banking.
Keeps all proof of what you've done on an electronic system.
No possible method of doubt!

Great in theory but the money had to go in that day and a bank transfer takes 5 working days (i didn't realise computers were given the weekend off :rolleyes:)

I didn't know those boxes were for cash, I thought they were cheque only.

In that case I can't understand how they say the books tally. It sounds like someone has pocketed this money and not bothered adding it to their system.

Go in there and explain you think they have a thief among their employees.
That'll get the managers **** twitching!

Yeah you can pay in cash or cheques into them. Have been in to the bank again this morning and they're still checking for it as it may have been credited to the wrong account, seemingly they have a couple of discrepancies for that day. Someone else is missing 400 notes, wonder if it was the woman who posted a deposit just before me?

And you could bet your life that they could track that back to you [-(

Oh without a doubt

[Nutter]

When my wife complained to HSBC because they stopped opening on Saturdays, they told us that we could still deposit cheques through the letter box with a paying in slip. The said it was safe enough, and that whenever the post or paying in envelopes were collected from the box, opened and dealt with, it was all on CCTV so nobody could ever fiddle it. Might be worth asking just in case.

[punyXpress]

Was there anyone in the ( long ) queue that you knew?

[ogden]

Two words: Standing Order.

[phil24_7]

What were you wearing on the 12h of May? Ah, didn't think you would remember.

12 of May? Mmmmm...... Well, if it was during the day then it would've been black jeans, blue t-shirt, carrying a blue and white motorcycle jacket and blue/grey helmet, in the evening I switched to light bluejeans and a yellow t-shirt.

Surely they must have 24hour cctv,if pubs have it then I can't see why banks don't with all that money lying about. If it was alarm activated, you would never have video evidence of the crims entering the bank, you also wouldn't be able to get any cctv if the robbers managed to stop any tellers from pushing a panic alarm? Makes no sense at all if they don't have 24 hour cctv

[squirrel_hunter]

Solution: Internet banking.
Keeps all proof of what you've done on an electronic system.
No possible method of doubt!

You don't work in IT do you? :D

Great in theory but the money had to go in that day and a bank transfer takes 5 working days (i didn't realise computers were given the weekend off :rolleyes:)


It shouldn't take a week. The only reason for this is the development costs. I could spend an age explaining why but I'd end up lecturing in computer history to make sense, I think I'd save you from that! There are moves in place to speed this up but its going to take a while and may end up costing. But thats another post entirely.

Unfortunately I can't add anything more to this other then I've never trusted this deposit method and will stand in a queue for 15 minutes (because a Bank doesn't open on a Sunday for some reason that no one has ever explained to me) to make sure. Good luck getting it sorted.

[northwind]

See if it was Bank of Scotland, we'd just have given you the money, and stuck a marker on your account just in case it happens again. The procedures we have for it are very solid, all dual key control and logging, but there's always room for the human element to cause problems. We never had a genuine loss in my branch while I was running the cash side as far as i'm concerned but we paid out about 10 false claims. Just part of the cost of having non face-to-face deposits, it's cheaper to pay out on false claims than to remove the service.

Course that's a different bank, but these things do tend to be fairly standard across the industry

There are moves in place to speed this up but its going to take a while and may end up costing.

Moves almost finished in fact, all the participating banks are either finished testing or in the last stages, I don't think any have asked for a deferment, though not all are going to be sending, we're going live just receiving because we made a complete bo*****s of the first stages :mrgreen: It's possible the dates'll get bumped again though. I don't think any of the banks will charge for personal customers to use FP, we were going to but it's commercial suicide tbh.

[dirtydog]

Was there anyone in the ( long ) queue that you knew?

No unfortunately not.

Two words: Standing Order.

If you read further back you'll see why I don't do it by standing order

12 of May? Mmmmm...... Well, if it was during the day then it would've been black jeans, blue t-shirt, carrying a blue and white motorcycle jacket and blue/grey helmet, in the evening I switched to light bluejeans and a yellow t-shirt.

Surely they must have 24hour cctv,if pubs have it then I can't see why banks don't with all that money lying about. If it was alarm activated, you would never have video evidence of the crims entering the bank, you also wouldn't be able to get any cctv if the robbers managed to stop any tellers from pushing a panic alarm? Makes no sense at all if they don't have 24 hour cctv

I don't know exactly what I was wearing on the 12th, probably my work trousers and a white t-shirt :smt017
They do have constant cctv in the bank and one of the camera looks directly at the deposit box thing.

You don't work in IT do you? :D

It shouldn't take a week. The only reason for this is the development costs. I could spend an age explaining why but I'd end up lecturing in computer history to make sense, I think I'd save you from that! There are moves in place to speed this up but its going to take a while and may end up costing. But thats another post entirely.

Unfortunately I can't add anything more to this other then I've never trusted this deposit method and will stand in a queue for 15 minutes (because a Bank doesn't open on a Sunday for some reason that no one has ever explained to me) to make sure. Good luck getting it sorted.

Me IT? Nahhhhhh i'm a computer numpty, but i can have a bathroom refitted in a couple of days though ;). If i transfer from my bank to my landlords bank (which are different banks) it takes 5 working days. No you can spare me the lecture on computer history. The main thing that bugs me about that is the comes out of my account as soon as i make the transfer but then "disappears" for 5 days before popping up in the recipients account, where has that money been for 5 days? It's just one of the many things about banks that I hate

[dirtydog]

See if it was Bank of Scotland, we'd just have given you the money.


Note to self- must try it in my own bank ;)


I used to bakn with LTSB when it used to be just TSB but i had nothing but trouble with them doing things like putting postdated cheques through a fortnight early which then put me overdrawn etc etc

[northwind]

The main thing that bugs me about that is the comes out of my account as soon as i make the transfer but then "disappears" for 5 days before popping up in the recipients account, where has that money been for 5 days? It's just one of the many things about banks that I hate

Someone's dragging their heels... standing orders are just BACS payments, 3 days is all it takes unless one or another bank is adding dead time. We do that on savings accounts frinstance. But the FP stuff is for standing orders so they should end up fast.

[ogden]

I used to bakn with LTSB when it used to be just TSB but i had nothing but trouble with them doing things like putting postdated cheques through a fortnight early which then put me overdrawn etc etc

I've been with LTSB (or Lloyds as they were, but I was with TSB as well) for 26 years now and never found them to be anything but fantastic. When I found a loophole in their loans that meant I could drop the interest rate, they suggested a way to drop it further. When I need a 4 grand overdraft for a week, they gave it to me perpetually. When I tell them to sod off, they do.

During that time I've tried Barclays, Abbey and HSBC, and none of them have come within a million miles of LTSB, particularly Barclays who are, frankly, ****ing ****.

There are three brands I value in life: Heinz tomato ketchup, Lloyds bank and Kawasaki. C'mon Kwak, catch up!

[squirrel_hunter]

Moves almost finished in fact, all the participating banks are either finished testing or in the last stages, I don't think any have asked for a deferment, though not all are going to be sending, we're going live just receiving because we made a complete bo*****s of the first stages :mrgreen: It's possible the dates'll get bumped again though. I don't think any of the banks will charge for personal customers to use FP, we were going to but it's commercial suicide tbh.

Its good to know things are progressing. However my charging remark relates more to the history of free banking rather that the specific transfer of funds alas its all interrelated. But we run the risk here of getting incredibly geeky, expect a pm...

[dirtydog]

Someone's dragging their heels... standing orders are just BACS payments, 3 days is all it takes unless one or another bank is adding dead time. We do that on savings accounts frinstance. But the FP stuff is for standing orders so they should end up fast.

Well that's what HBOS told me

I've been with LTSB (or Lloyds as they were, but I was with TSB as well) for 26 years now and never found them to be anything but fantastic.

Different experiences for different people I guess

[dirtydog]

But we run the risk here of getting incredibly geeky

I think it may be too late :mrgreen:

[northwind]

Well that's what HBOS told me


Might be a delay built into your account there... We started doing that on some products, it's all give and take. Bit odd though, i thought we only had the delays on savings accounts. With most it's just regular 3 days as long as you get in before the deadlines, whenever those are, I forget...

We do employ a lot of monkeys though to be fair.

[busasean]

I've banked with ltsb for 21 yrs and had my ups and downs. I now only deal with my bank direct due to the telephone service being very poor. I absolutely refuse to deal with their foriegn call centres. my local branch are excellent and my account manager is brilliant. - a few years ago she phoned me to go into the bank at 12.45 on a sat afternoon for an hour (they shut at 1.00) it turned out she was buying her other half (now her ex!)a CBR 600 and wanted me to have a look to make sure it was ok.

[dirtydog]

it's all give and take.

We do employ a lot of monkeys though to be fair.


Yeah I give them my money and they take the pee :rolleyes:;)

pay peanuts you get monkeys

[aadeyc73]

Well I used to work for LTSB for over 17 years and would suggest that you firstly get them to confirm that they have found your envelope. I know instances of where envelopes just haven't been emptied or even opened.

Then it's a case of them finding out where the money went to all i takes is one number to be mistyped for it go into someone elses account, checks are meant to happen when using the manual slips but I would say very few cashiers do them.

Have you been paying this money in for a while and on time each month? If so your landlord might be able to get the money out of the bank by kicking up a fuss eg. it's been paid into my account each month for 2 years without any problems, I have no reason to doubt it being paid in. If he rings up and complains rather than in the branch the customer care department will get it sorted even if they end up telling the branch to write the money off as a loss.

Hope this helps and it gets sorted quickly.

Adrian

[aadeyc73]

I've banked with ltsb for 21 yrs and had my ups and downs. I now only deal with my bank direct due to the telephone service being very poor. I absolutely refuse to deal with their foriegn call centres. my local branch are excellent and my account manager is brilliant. - a few years ago she phoned me to go into the bank at 12.45 on a sat afternoon for an hour (they shut at 1.00) it turned out she was buying her other half (now her ex!)a CBR 600 and wanted me to have a look to make sure it was ok.

When you phone now you will only speak to people in the UK although you do have to jump through some automated hoops first.

When I left the bank a year ago the only thing Mumbai was still doing for us was HR work and insurance admin. Although I guess things could have changed since.