FabSwingers.com > Forums > The Lounge > My bank is paying me!
My bank is paying me!
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By (user no longer on site) OP
over a year ago
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Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!  |
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By (user no longer on site)
over a year ago
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My friend had something similar where she went to the bank because money was missing from her account. They sorted it out then refunded her all the charges she had ever paid.
She never got an explanation, we just assumed someone had been naughty within the bank. |
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By (user no longer on site) OP
over a year ago
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"could be a refund on charges happened to a freind of mine got a nice windfall"
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy?  |
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By (user no longer on site)
over a year ago
|
"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?! "
For Buying more hard drive |
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By (user no longer on site) OP
over a year ago
|
"My friend had something similar where she went to the bank because money was missing from her account. They sorted it out then refunded her all the charges she had ever paid.
She never got an explanation, we just assumed someone had been naughty within the bank. "
Nods. What’s odd is there’s been nothing from me to prompt any checking, that’s what I find odd. And no info saying it’s due to incorrect charging or whatnot. I wonder if it is something fraudulent by a staff member that’s been discovered, oooh! Not that I appear to have even noticed a problem  |
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By (user no longer on site) OP
over a year ago
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"Why did they send you cheques when they could have credited your account?
"
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially. |
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?! "
I'd be asking some questions before cashing the cheques. I'm betting they are banking on you just paying the cheques in at which point you have accepted what ever they have inappropriately done.
Challenge these payments. At worst you will get nothing at best you may get more. |
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By (user no longer on site) OP
over a year ago
|
"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!
I'd be asking some questions before cashing the cheques. I'm betting they are banking on you just paying the cheques in at which point you have accepted what ever they have inappropriately done.
Challenge these payments. At worst you will get nothing at best you may get more. "
Oh! Really? Do I just walk in the branch and ask the cashier?
I’m quite happy to just take the cash...! |
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!
I'd be asking some questions before cashing the cheques. I'm betting they are banking on you just paying the cheques in at which point you have accepted what ever they have inappropriately done.
Challenge these payments. At worst you will get nothing at best you may get more.
Oh! Really? Do I just walk in the branch and ask the cashier?
I’m quite happy to just take the cash...!"
PM sent
|
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By (user no longer on site)
over a year ago
|
"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy? "
Hello Mummy!  |
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By (user no longer on site)
over a year ago
|
"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy? "
Good evening Sugar |
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By (user no longer on site) OP
over a year ago
|
"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!
I'd be asking some questions before cashing the cheques. I'm betting they are banking on you just paying the cheques in at which point you have accepted what ever they have inappropriately done.
Challenge these payments. At worst you will get nothing at best you may get more.
Oh! Really? Do I just walk in the branch and ask the cashier?
I’m quite happy to just take the cash...!
PM sent
"
 |
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By (user no longer on site) OP
over a year ago
|
"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy?
Hello Mummy! "
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By (user no longer on site) OP
over a year ago
|
"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy?
Good evening Sugar "
|
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By (user no longer on site)
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially. "
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day |
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By (user no longer on site) OP
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day"
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little. |
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By (user no longer on site)
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little. "
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for. |
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By (user no longer on site) OP
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for. "
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By (user no longer on site)
over a year ago
|
"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy? "
*puts hand up* |
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By (user no longer on site)
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for.
"
It will probably have been awarded at a head office so the branch staff wouldn't know where it was from necessarily. If there is a phone number on the letter call that.
It could be to do with the Plevin case that is being dealt with now |
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By (user no longer on site) OP
over a year ago
|
"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy?
*puts hand up* "
Up where? |
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By (user no longer on site)
over a year ago
|
"Are you playing monopoly d*unk? 
Hee hee!! No, it’s real life and rather amazing!"
Good for you, treat yourself. I'm sure you've been eyeing up some shoes for a while. x |
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By (user no longer on site) OP
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for.
It will probably have been awarded at a head office so the branch staff wouldn't know where it was from necessarily. If there is a phone number on the letter call that.
It could be to do with the Plevin case that is being dealt with now "
Good point re phoning rather than local branch. Thanks.
If it was PPI again, surely I would have to have instigated the checking? Also, how would I be entitled to a significant sum when they’re just referring to a few months within 2013 (that wouldn’t be related to Plevin by my understanding) and why then would it not say re it being PPI in the letter?
|
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By (user no longer on site) OP
over a year ago
|
"I’ve got to traipse to the nearest branch now to pay the silly things in!!
It's a ruse to get you in branch then sign you up for life insurance a credit card and new mortgage "
Probably is!! |
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"My friend had something similar where she went to the bank because money was missing from her account. They sorted it out then refunded her all the charges she had ever paid.
She never got an explanation, we just assumed someone had been naughty within the bank.
Nods. What’s odd is there’s been nothing from me to prompt any checking, that’s what I find odd. And no info saying it’s due to incorrect charging or whatnot. I wonder if it is something fraudulent by a staff member that’s been discovered, oooh! Not that I appear to have even noticed a problem "
Jayne had this, out of the blue, the bank sent her a letter claiming that they had done a check and found that they had "mis-managed" her account during 2012 - 2013, and attached was a cheque. We were dubious, but it was kosher... so we asked them to check the years after too lol! |
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By (user no longer on site) OP
over a year ago
|
"Are you playing monopoly d*unk?
Hee hee!! No, it’s real life and rather amazing!
Good for you, treat yourself. I'm sure you've been eyeing up some shoes for a while. x"
Good lord, shoes are so not my thing! But I take your point.  |
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By (user no longer on site) OP
over a year ago
|
"My friend had something similar where she went to the bank because money was missing from her account. They sorted it out then refunded her all the charges she had ever paid.
She never got an explanation, we just assumed someone had been naughty within the bank.
Nods. What’s odd is there’s been nothing from me to prompt any checking, that’s what I find odd. And no info saying it’s due to incorrect charging or whatnot. I wonder if it is something fraudulent by a staff member that’s been discovered, oooh! Not that I appear to have even noticed a problem
Jayne had this, out of the blue, the bank sent her a letter claiming that they had done a check and found that they had "mis-managed" her account during 2012 - 2013, and attached was a cheque. We were dubious, but it was kosher... so we asked them to check the years after too lol!"
That’s similar sounding! Did they ever tell you what had been mismanaged? And did you get anymore?!! |
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By (user no longer on site) OP
over a year ago
|
"Its obvious really - if you dont know why, speak to your bank - not a SWINGING SITE
"
Can I chat with some friends or should I have sought your permission?! You do realise this is a forum for general chat not just SWINGING. Moody munchkin. |
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By (user no longer on site)
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for.
It will probably have been awarded at a head office so the branch staff wouldn't know where it was from necessarily. If there is a phone number on the letter call that.
It could be to do with the Plevin case that is being dealt with now
Good point re phoning rather than local branch. Thanks.
If it was PPI again, surely I would have to have instigated the checking? Also, how would I be entitled to a significant sum when they’re just referring to a few months within 2013 (that wouldn’t be related to Plevin by my understanding) and why then would it not say re it being PPI in the letter?
"
Not necessarily. Banks will look at all cases, even ones they have declined. I know one in particular pays a portion of PPI into your account with the notation PPI & the remainder as a cheque. Check your account to see if anything had been credited |
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By (user no longer on site)
over a year ago
|
yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ? |
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By (user no longer on site) OP
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for.
It will probably have been awarded at a head office so the branch staff wouldn't know where it was from necessarily. If there is a phone number on the letter call that.
It could be to do with the Plevin case that is being dealt with now
Good point re phoning rather than local branch. Thanks.
If it was PPI again, surely I would have to have instigated the checking? Also, how would I be entitled to a significant sum when they’re just referring to a few months within 2013 (that wouldn’t be related to Plevin by my understanding) and why then would it not say re it being PPI in the letter?
Not necessarily. Banks will look at all cases, even ones they have declined. I know one in particular pays a portion of PPI into your account with the notation PPI & the remainder as a cheque. Check your account to see if anything had been credited "
Banks are self-checking ALL bank accounts? Really? Then what’s the point in advertising campaigns telling the public to request a check and a deadline to do so by? I’m not sure that’s right. But hey, if it is PPI related and I never asked them to check and they decided to do so for me and then realised they should give me money and did so, I won’t complain!  |
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By (user no longer on site) OP
over a year ago
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"Its obvious really - if you dont know why, speak to your bank - not a SWINGING SITE
I found it quite hilarious.
Some people just dont get the forums "
True say. |
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By (user no longer on site) OP
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?"
I don’t even understand what you’re taking about. Also I hate the term “hun”.
I asked and am chatting with people I chat to all the time. I’ve got what I expected. I’ve not asked my question in a swinging context. That would be more of a “my bank gave me free money and I got fisted by another woman’s husband whils she flicked her bean” or similar.
What did you expect? Not quite sure anything is an issue for me. You alright?
|
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By (user no longer on site) OP
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
I don’t even understand what you’re taking about. Also I hate the term “hun”.
I asked and am chatting with people I chat to all the time. I’ve got what I expected. I’ve not asked my question in a swinging context. That would be more of a “my bank gave me free money and I got fisted by another woman’s husband whils she flicked her bean” or similar.
What did you expect? Not quite sure anything is an issue for me. You alright?
"
*talking
(Also, if you do reply/quote when you post it’s better for having a Forum Conversation) |
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By (user no longer on site)
over a year ago
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?"
Is this RBS by any weird chance ? not that you will say, because, you already dislike me now from prev message x |
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By (user no longer on site)
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?"
Why is she speaking in a swinging context?
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By (user no longer on site) OP
over a year ago
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""Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?"
Is this RBS by any weird chance ? not that you will say, because, you already dislike me now from prev message x"
I don’t dislike you!
No it’s not RBS.
I didn’t mean you had to re-write my post! No, I was trying to explain the quote/reply button (when you post select the quote/reply button at the bottom of the comment you’re replying to so it doesn’t get lost if others post in between! Sorry, I was trying to help!)
I was blunt because you appeared to post all shouty and capital letters at me and there’s absolutely no reason I can’t discuss this topic in the Lounge Forum - it is not Swinging topics here only. And given it’s late at night I’m asking here ahead of being able to contact bank tomorrow and I’m intelligent enough to not rely solely on the commentary here to guide my life decisions so don’t worry! It’s a little silly to assume someone would. Also, there are posters here I know and whose opinion I would take on board, but mostly I’m killing some time. Hence my retort as to why you feel it’s an issue for me to post, your initial post was a tad text rude. I assumed you must not like me, actually!
But I’m all fine x |
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By (user no longer on site) OP
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
"
I think because the people I’ve asked are swingers and obvs don’t have the capacity to speak to any other topic.
I’m guessing it was more a post telling me off for taking advice from strangers rather than the bank itself but that’s based on a massive assumption by the poster in the first place.
But they’re new (I think) and it was perhaps well intentioned if a little shouty! |
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By (user no longer on site)
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
I think because the people I’ve asked are swingers and obvs don’t have the capacity to speak to any other topic.
I’m guessing it was more a post telling me off for taking advice from strangers rather than the bank itself but that’s based on a massive assumption by the poster in the first place.
But they’re new (I think) and it was perhaps well intentioned if a little shouty!"
Well, I'm not a swinger so it's all good here |
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By (user no longer on site) OP
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
I think because the people I’ve asked are swingers and obvs don’t have the capacity to speak to any other topic.
I’m guessing it was more a post telling me off for taking advice from strangers rather than the bank itself but that’s based on a massive assumption by the poster in the first place.
But they’re new (I think) and it was perhaps well intentioned if a little shouty!
Well, I'm not a swinger so it's all good here "
Very bizarre interaction on the other thread. Anyway, so I got this money... |
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By (user no longer on site)
over a year ago
|
"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for.
It will probably have been awarded at a head office so the branch staff wouldn't know where it was from necessarily. If there is a phone number on the letter call that.
It could be to do with the Plevin case that is being dealt with now
Good point re phoning rather than local branch. Thanks.
If it was PPI again, surely I would have to have instigated the checking? Also, how would I be entitled to a significant sum when they’re just referring to a few months within 2013 (that wouldn’t be related to Plevin by my understanding) and why then would it not say re it being PPI in the letter?
Not necessarily. Banks will look at all cases, even ones they have declined. I know one in particular pays a portion of PPI into your account with the notation PPI & the remainder as a cheque. Check your account to see if anything had been credited
Banks are self-checking ALL bank accounts? Really? Then what’s the point in advertising campaigns telling the public to request a check and a deadline to do so by? I’m not sure that’s right. But hey, if it is PPI related and I never asked them to check and they decided to do so for me and then realised they should give me money and did so, I won’t complain! "
I don't know about all banks but they'd only check your bank account if there was PPI on an overdraft with them. Otherwise it would be another product. Mortgage, loan, credit card, insurance etc. Check the reference in the letter, might give you a clue in that.
Either way, happy money day |
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By (user no longer on site) OP
over a year ago
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"Why did they send you cheques when they could have credited your account?
Well, yes that’s the bugger. I’ve got to traipse to the nearest branch now to pay the silly things in!! And there’s not a branch nearby home nor work. Tsk.
Still, it’s worth it financially.
If you have mobile app, you should be able to take a photo of the front & the back of the cheques & they will clear in 1 business day
I’m a bit of a techno-failure. And I’m going to ask for a bit more info re the cheques before cashing, so traipse it shall be. I’m over-exaggerating the effort a little.
I would phone rather than traipse, don't traipse until you have to. Without going into it, you should have been told in your letter what the refund is for.
It will probably have been awarded at a head office so the branch staff wouldn't know where it was from necessarily. If there is a phone number on the letter call that.
It could be to do with the Plevin case that is being dealt with now
Good point re phoning rather than local branch. Thanks.
If it was PPI again, surely I would have to have instigated the checking? Also, how would I be entitled to a significant sum when they’re just referring to a few months within 2013 (that wouldn’t be related to Plevin by my understanding) and why then would it not say re it being PPI in the letter?
Not necessarily. Banks will look at all cases, even ones they have declined. I know one in particular pays a portion of PPI into your account with the notation PPI & the remainder as a cheque. Check your account to see if anything had been credited
Banks are self-checking ALL bank accounts? Really? Then what’s the point in advertising campaigns telling the public to request a check and a deadline to do so by? I’m not sure that’s right. But hey, if it is PPI related and I never asked them to check and they decided to do so for me and then realised they should give me money and did so, I won’t complain!
I don't know about all banks but they'd only check your bank account if there was PPI on an overdraft with them. Otherwise it would be another product. Mortgage, loan, credit card, insurance etc. Check the reference in the letter, might give you a clue in that.
Either way, happy money day "
Drinks or whatever are on me! Thanks! Xx |
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By (user no longer on site)
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
I think because the people I’ve asked are swingers and obvs don’t have the capacity to speak to any other topic.
I’m guessing it was more a post telling me off for taking advice from strangers rather than the bank itself but that’s based on a massive assumption by the poster in the first place.
But they’re new (I think) and it was perhaps well intentioned if a little shouty!
Well, I'm not a swinger so it's all good here
Very bizarre interaction on the other thread. Anyway, so I got this money... "
I heard. What you gonna do with it? |
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By (user no longer on site) OP
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
I think because the people I’ve asked are swingers and obvs don’t have the capacity to speak to any other topic.
I’m guessing it was more a post telling me off for taking advice from strangers rather than the bank itself but that’s based on a massive assumption by the poster in the first place.
But they’re new (I think) and it was perhaps well intentioned if a little shouty!
Well, I'm not a swinger so it's all good here
Very bizarre interaction on the other thread. Anyway, so I got this money...
I heard. What you gonna do with it?"
Shall we “send” for Lib? |
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By *oodmessMan
over a year ago
yumsville |
There's lots of stuff banks add to accounts that are being refunded. PPI, overdraft charges, credit card protection, account protection, late payment charges, life/mortgage insurance. All have to one extent or another been deemed worthy of being able to be reclaimed, some banks are doing it automatically others you have to investigate yourself. |
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By (user no longer on site)
over a year ago
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"There's lots of stuff banks add to accounts that are being refunded. PPI, overdraft charges, credit card protection, account protection, late payment charges, life/mortgage insurance. All have to one extent or another been deemed worthy of being able to be reclaimed, some banks are doing it automatically others you have to investigate yourself. "
+true :D |
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By (user no longer on site) OP
over a year ago
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"There's lots of stuff banks add to accounts that are being refunded. PPI, overdraft charges, credit card protection, account protection, late payment charges, life/mortgage insurance. All have to one extent or another been deemed worthy of being able to be reclaimed, some banks are doing it automatically others you have to investigate yourself. "
Yes, that answers my query if it is that - if some banks are doing it automatically. Well I wonder what it was for in those elusive months in 2013, all will be revealed tomorrow (later today!) |
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By (user no longer on site)
over a year ago
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Sorry, but in he wake of FB and other companies, data mining your personal data is kind a big thing for the EU coming into force.... think i talk shit...watch and see.... but its not my problem, it's really yours x |
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By (user no longer on site)
over a year ago
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"Sorry, but in he wake of FB and other companies, data mining your personal data is kind a big thing for the EU coming into force.... think i talk shit...watch and see.... but its not my problem, it's really yours x"
What has that got to do with the thread? |
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By (user no longer on site) OP
over a year ago
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"Sorry, but in he wake of FB and other companies, data mining your personal data is kind a big thing for the EU coming into force.... think i talk shit...watch and see.... but its not my problem, it's really yours x
What has that got to do with the thread?"
Absolutely nothing. But apparently it’s all my problem. 
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By *ENGUYMan
over a year ago
Hull |
Your receipt of cheques from your Bank could be ......
A few of the Major banks are self-checking customer accounts looking for anomalies in banking transactions where they are deemed to have been at fault. In most cases it would've been down to technical issues about which you weren't aware but the Bank is now reimbursing you.
I had this 3 yrs ago with RBS!
Some Banks are self checking with regards to the PPI Misselling scandal and are refunding first.
Have you recommended a family member or friend to join your bank in the past year? If yes, some banks will pay a Thank You bonus after your friend's account has been held after a fixed period of time.
Lastly, the reason they send you cheques is down to Laundering of Money regulations. Don't ask me why, it's just what a friend in a Bank recently told me. |
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By (user no longer on site)
over a year ago
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"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy?
Good evening Sugar
"
It's me, sugar (for any Marilyn Monroe fans out there) |
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By (user no longer on site)
over a year ago
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Barclaycard are automatically refunding charges and interest relating to loan and credit accounts over limit and in arrears at some point since October 2013. They've refused to say why though.
Northern Rock automatically refunded us thousands a few years ago because they forgot to put legally required data on paperwork, meaning interest charges were illegal for years. |
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By (user no longer on site)
over a year ago
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?! "
Never look a gift horse in the mouth - you're with Lloyds, right? |
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?! "
is there enough to buy yourself a house? |
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By (user no longer on site) OP
over a year ago
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!
is there enough to buy yourself a house? "
Trust you to think of that! I’ll be donating to charity.  |
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"Its obvious really - if you dont know why, speak to your bank - not a SWINGING SITE
Can I chat with some friends or should I have sought your permission?! You do realise this is a forum for general chat not just SWINGING. Moody munchkin. "
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!
is there enough to buy yourself a house?
Trust you to think of that! I’ll be donating to charity. "
It was too obvious to resist.
Applauds your altruistic endeavours. Nice gesture..... |
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
"
I am lost now... OP can you teach me how to speak in a swinging context please? At least, you are the only one now who speaks in that context |
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By (user no longer on site) OP
over a year ago
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"This thread is so weird, I like it.
Congrats on the money, can I have some please?"
It is definitely confusing given another thread that was running concurrently is no more...
I like the weird too though. Of course you can have some money XX |
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By (user no longer on site) OP
over a year ago
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"yes - but you are speaking in a "swinging context " hun - sorry, you asked the question in a public forum - sorry in a forum for ALL members - what do you expect ?
Why is she speaking in a swinging context?
I am lost now... OP can you teach me how to speak in a swinging context please? At least, you are the only one now who speaks in that context "
I cannot help but speak in a swinging context, I am the swinging cabal. Apparently.
I’m running training on Friday... |
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By *icketysplitsWoman
over a year ago
Way over Yonder, that's where I'm bound |
"Hope you managed to get to the bottom of it all OP 
I did! The money is mine. The money was mine. The money is now with a homeless charity. "
Result!
This thread didn't go as I expected after I went to bed. |
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By (user no longer on site)
over a year ago
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"Hope you managed to get to the bottom of it all OP
I did! The money is mine. The money was mine. The money is now with a homeless charity. "
Awwww you my darling are an absolute gem |
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"Hope you managed to get to the bottom of it all OP
I did! The money is mine. The money was mine. The money is now with a homeless charity. "
Glad you got it figured out answer I applaud you on your selfless act of giving |
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By (user no longer on site)
over a year ago
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?! "
Dunno. Can I borrow a fiver? |
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By *ady LickWoman
over a year ago
Northampton Somewhere |
"Hope you managed to get to the bottom of it all OP
I did! The money is mine. The money was mine. The money is now with a homeless charity. "
Really? You done that? You're a beautiful soul  |
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By (user no longer on site)
over a year ago
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its just like an overcharge
mine was with my mortgage
i also think id never had ppi
neither did my mum
trust me get it checked
its worth thousands and is nothing to do with any debts you may have
its dealt with totally seperately |
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"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy? "
Banking regulations & recent changes to them mean that where banks have identified issues that may have caused a customer detriment or financial loss, they have to remediate them. So say you were charged a late fee in the past, but weren’t notified in writing, that would be a bank error & they would be obliged to correct it. So they will issue you with a refund for the amount of the charge plus interest calculated at a set rate x number of months. I believe the standard is around 8%, same as the PPI calculations.
Or in short, yes - they will send you money without being prompted! |
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By (user no longer on site) OP
over a year ago
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"Query, why might my bank be sending me cheques for “inappropriate actions” on my account by them for a period of a couple of months back in 2013?
I’ve not requested any PPI checking. It’s a very bizarre letter that raises more questions than provides answers, although thanks Mr Banker for the two cheques!
What did they use my money for?!
Dunno. Can I borrow a fiver?"
Nah, I’m skint. |
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By (user no longer on site) OP
over a year ago
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"Hope you managed to get to the bottom of it all OP
I did! The money is mine. The money was mine. The money is now with a homeless charity.
Really? You done that? You're a beautiful soul "
I wasn’t missing the money so don’t really think it’s mine to keep. It is what it is. |
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By (user no longer on site) OP
over a year ago
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"could be a refund on charges happened to a freind of mine got a nice windfall
But simply out of the goodness of their heart without prompting? And yes, it’s a tidy sum.
Anyone want a sugar-mummy?
Banking regulations & recent changes to them mean that where banks have identified issues that may have caused a customer detriment or financial loss, they have to remediate them. So say you were charged a late fee in the past, but weren’t notified in writing, that would be a bank error & they would be obliged to correct it. So they will issue you with a refund for the amount of the charge plus interest calculated at a set rate x number of months. I believe the standard is around 8%, same as the PPI calculations.
Or in short, yes - they will send you money without being prompted! "
Nods. Well decent souls for doing so and it’s was a nice surprise. But quite honestly I don’t need more (want is different) and pay it forward, I say. |
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