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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Smart Car not smart enough for this Cow! Gaining redress for faulty new car)

Mooooooooving on

Last year this mob annoyed me. Why? Because they annoyed my mother. You know how it is, it’s bad enough when someone annoys you but when they start on your family, well that’s it isn’t it really? So, after listening to my mother moan about it for ten minutes (so therefore two minutes too long, you know how it is) I told her to give me the details in an email and I would deal with it. I knew this was going to be a hard one. Cars are a difficult one, it’s very hard to prove faults and well, it’s hard! But I’m The Complaining Cow, so I complained.

Earlier that year she had bought a Smart car. A couple of months later my brother noticed that the front near side tyre was flat. (The car hadn’t been driven for a while because my father had been seriously ill). She therefore called Smart Assistance who sent someone out for recovery. A garage repaired what appeared to have been a slow puncture. The repair had cost £12.00.

A couple of months later my mother went to drive the car and the battery (original battery) was flat. Again, she telephoned Smart Assistance. The battery was put on charge and she was told that everything was fine and to leave the engine running for 20 minutes. She then went out in the car to a local garden centre. She went back to her parked car after three quarters of an hour to find the battery flat. She ‘phoned Smart Assistance once again who again sent out a recovery vehicle. The man said luckily he had a smart battery that was suitable in the van. So he replaced the battery and charged her £53.00. (I know, disgraceful huh?) She then telephoned Mercedes Taunton and explained what had happened and asked if it was under the warranty I don’t much care much for warranties. I prefer the Law. My mother was entitled to a full refund as the car was sold as satisfactory and in good running order. It was not. I believed that Mercedes was therefore in breach of the Sale of Goods Act 1994 again so a full refund is what she would get! Now you would need to quote The Consumer Rights Act 2015 for purchases made prior to 01 October 2015.

Later they phoned back to say that Head Office, as a goodwill gesture would give her back half of the amount, they refunded £26.50.

Since then the car had been running well until a month later. My mother drove the car 6 days previously, but then the battery was flat. She ‘phoned Smart Assistance yet again. (Oh poo, only just realised that I should have been claiming for ‘phone calls!) He found the battery to be faulty. He tested everything including the alternator etc. He said she would have to take the car back to Exeter which was ridiculous. (It’s about an hour away from Taunton). He then drove her to Mercedes Taunton after charging the battery. She spoke to someone and they said they’d call the following day. They didn’t and she had to ‘phone them. I know, dreadful! Anyway, she was told that there had been a problem and that the battery was not only faulty but their suppliers had sent a wrong battery to replace it, and could she should ‘phone the following day.

My mother was told that they hoped the right battery would be in by Monday 21st and that it would cost her £147.00 and she could come and pick the car up.No smart customer service at Smart car!

It was at this point I stuck my hooves in….

So I complained. A lot. I didn’t want her to:

  1. have to go and get the car,
  2. pay for the puncture repair,
  3. pay for the faulty battery,

pay for the new battery and I wanted her to be refunded fully for the first one, oh and something for the inconvenience of course!

We wanted to return the vehicle for a full refund. I knew this was never going to happen, but here’s a tip, always always go for more than you want. That way they can come down thinking they have won something and you get what you want!

The Manager offered to return the car when the battery was done at just the cost she had had refunded! i.e. she would still have to pay the full cost of the battery! So she would, in effect have a new battery which I didn’t think she should have needed and be out of pocket by £53.00. I thought this wasn’t good enough personally.

So, off went an email to the MD pointing out a few legal facts, quotes from their publicity and the like. Few more emails backwards and forwards. He seemed to think that we had no grounds for returning the car and couldn’t prove anything regarding the car being faulty at time of purchase. However, I am pleased to say that my powers of persuasion convinced him to pay:

£12 puncture repair refund
£53.00 battery refund
£100 goodwill gesture (I do so love these goodwill gestures)
(She had the £26.50 on top of this already paid by the other people!)

Evaluation

It took a while but I refuse to accept the first response if I don’t like it! I was particularly pleased that garages in Taunton were impressed saying that Mercedez are notoriously bad with their customer service!

Customer Service 4 out of 10
MD 7 out of 10
Prize £191.50 plus a battery

Rating – Churned out ok eventually

If you find yourself in a similar situation and need some help. See Top 20 Tips for complaining effectively 
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