How to increase a bank’s offer of redress

Change of name with the bank

Halifax Halifax Halifax. I have a choice of 3 complaints to do here. Actually 4 if you count the one I did for a friend and got her £500. Now which one today? Toss of a coin (yes 3 times don’t try and get clever with me you know it aint gonna work). Let’s take the most recent one.

I changed my name. Yes ha ha ha ha haha to all those companies to whom I haven’t yet complained who think they have my name. You don’t and you don’t know to what I changed it ner ner ner ner ner! (Slightly unnecessarily childish particularly given that I have just tweeted “How childish can politicians get? Seriously. “I win I got my Royal Charter” “I win I got my Law” Grow up & do what’s best 4 ppl!” But hey ho moving on).

So, got the  Deed certificate, paid for legal copies as some financial institutions needed them and others were happy with copies. Sent off details to Halifax and asked a simple question about fees on their card. You’d think that would be quite simple wouldn’t you, well obviously not or I wouldn’t be writing about it would I?!

The Halifax correspondence

From Halifax

I got a letter back addressed using my former name, not enclosing my document and not answering the question, but enclosing a new direct debit form! Fail on 3 counts! Rude huh?  So I complained. Obviously.

I got a letter back offering me £30. Now, I’ve said it before and I’ll say it again if you don’t think that the amount reflects the inconvenience or time spent on the matter, particularly when they don’t apologise or explain the issues…. complain again. So I did. I was particularly pedantic actually.

From me

I pointed out the following to Ms R:

keyboard Bank made a mistake? Not happy with offer, how to get it increasedShe said Halifax disposed of the document because it was a copy. (Oh yes Dear Reader did I not mention that earlier? Halifax destroyed the legal copy that I PAID for!) It was not a photocopy. It was a “Certified legal copy of a Deed of Change of Name (Deed Poll)”. I expected to be reimbursed!

She requested that I send my deed poll to the same address as before. Given that this was the address at which I had my property destroyed I refused to do that again and enclosed another legal copy to her and trusted that she would at least not destroy it and return it!

I received no explanation why, when my property was destroyed, no-one wrote to me to ask for (actually another) the deed poll. Had I not complained I could have continued to wait for both my deed poll to be returned and to receive my new credit card!

She completely ignored by question about the Card and I asked for a third time and failed to explain or apologise for why I only received a direct debit form and covering letter which ignored the two out of three points of my letter. I found this extremely rude and unacceptable.

Now here’s the particularly pedantic part. I wrote “I quote from your letter “I can see that we’ve let you down with some of the points you’ve raised. However I hope I’ve explained that there are some instances where I believe our actions were necessary.” This would indicate that you believe, as you have written in the plural, that at least two of your actions were necessary and acceptable. Please explain which these actions are. Destroying property which does not belong to Halifax and I had to pay for, not writing to me regarding this, ignoring my query about the credit card and writing to me in my former name are my list of complaints (to which I have added today). I do not believe that any of these actions (or non action!) were necessary, some were just downright rude. Please do explain which two you deem as necessary as I am very interested and it is these that I shall highlight to the Financial Ombudsman in particular”.

I also expected more than the £30 offered.

Haifax redress

I got a response. In short, £12 reimbursement for the deed poll and £100 for the inconvenience.

So that was that. Nah, I’m pedantic remember. So although satisfied with the amount, I did need to write again and point out that I had requested the money be sent in a cheque and not put on the card which she didn’t do! So, as I had to write again I hoped that the following points would help her in the future.

1)       The first page of her letter was a photocopy and not the original on letterheaded notepaper.
2)       Fifth bullet point, incorrect use of an apostrophe in the word “fees”
3)       “are charges” not “is charges” would be grammatically correct (as in my letter which you could have copied)
4)       “You have been advised there is…” No, I advised you on this point and the instances are plural and therefore “are” not “is” is appropriate.
5)       No new paragraph on what should have been the first new paragraph on the second page.
6)       “…should be made clear to your at the time” should have been “you” not “your”
7)       “Halifax so not apply any loading..” doesn’t make any sense, I assume that you mean “do”
8)       “…and enclosed your Deed…” “enclose” not “enclosed”

Just a little bit....;)
Just a little bit….?

There were a few other things, (not least that she didn’t answer the point about which issue I complained about was necessary) but I won’t bore you now seeing you got this far! Well honestly, I do expect a letter from a bank to be written and checked! Yes, I could have saved my time but frankly, the poor quality letter writing annoyed me and anyway I was being helpful! Perhaps it helped in her future work. I freely give tips for companies  on how to avoid complaints!

So, share your experiences of the banking world. Which one is good which one is bad? I have found HSBC pretty good but last time I wrote to them customer service standards were going down and I had to write to the CEO. What do you think of your bank/building society/credit card companies?

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BHS customer care mistakes which made it look like it didn’t care!

Faulty Product Faulty Customer Care at BHS!

Retailer in administration – your rights covered when BHS went into administration

I purchased an ice hockey game for a Christmas present last year for brothers who were obviously disappointed when they found that everything other than the table was missing! Seriously!

I took the item back (oh so you would have looked inside the box before buying would you? Yes well I didn’t, I didn’t think BHS was like a well known DIY stores with missing pieces in their kits did I?!)

So, I wrote to BHS. Why didn’t I take the item back to the shop? Why should I? More inconvenience! It was no use to anyone, wasn’t like they could sell it to anyone! I wanted a replacement though so would have done if it was for a replacement. But the service got worse so consequently did my willingness to be accommodating. Okay so there wasn’t much tolerance there in the first place and your point is? I was told that I would need to return the item to where I bought it and they could pull up the invoice so long as I bought it within a month. I informed them that it was not within the month. I then received an email saying that it was difficult to comment on whether the item was faulty. D’oh! I think it’s quite obvious if an air hockey set has all the pieces other than the table missing that the product is faulty? The actual table wasn’t faulty though, that much was true.

So, I wrote again spelling out the “fault”! They responded again. Their response ignored the point that I no longer had the receipt, (the item was reduced significantly after Christmas) so if I took the item back I wouldn’t get a full refund. I also requested payment for the diesel used in driving to take the item back, I didn’t request money for my time in doing so though, which was an error on my part but I did ask for redress for the inconvenience! They didn’t offer to source a replacement from another store which I requested either.

So I wrote again. I basically repeated myself and was told that I could contact my local store and see if they had any in their warehouses. Given the circumstances I would have expected the Customer Services staff to do this. You wouldn’t? Well perhaps you need to expect better service!

So… I wrote again (are you keeping up? This is the 4th time of writing to them. I said that I didn’t have the receipt. Yes, I did say that before.

I was told “if it is a manufacturing fault…” casting doubt on half the product missing being faulty and/or insinuating that I was not telling the truth! The first assumption would be stupid but not the first time staff questioned whether a box missing all the pieces was faulty, the second, well let’s just say that’s when I see red.

So, I wrote again saying I expected to be compensated for the travel and inconvenience and offered to post the item back if they provided me with postage. Guess what I got in the email response? A blank email. Yep, blank.

BHS repeatedly told the same thing

So… I emailed again. Okay I’ve lost count now. On the 6th time? This time I emailed the CEO though. I pointed out that my points regarding redress for the inconvenience had been ignored as had my suggestion of posting the item and the final question as to why I was sent a blank email. I also informed him that the unnecessarily long protracted correspondence had been with various staff which in itself is poor service, communication should be with one person to keep continuity. Bullet pointed the list of correspondence and the failure of staff to deal with the matter.

 

I received an email back from the CEO’s department. I got £30 refund and £15 BHS voucher. They said I could keep the table and do what I liked with it. Ideas on a comment? I sent a cheque for £30 to the boys (yep I think that went down better than the original present fully complete would have done!)

Evaluation

Very poor customer service! Repeatedly not answering simple queries. Begs the questions “What part about the parts are missing don’t you understand?” and “What part of “No” don’t you understand?” and (well you get the picture). It’s not good to have different people respond to a customer either. It’s rude, disrespectful and shows that they don’t care enough to see the problem through. Their customer care could do with reading this.

Customer Service 0 out of 10
CEO 5 out of 10
CEO Office 9 out of 10
Prize £30 refund plus £15 voucher

Rating BHS needs to take stock in more ways than one!

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