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LloydsTSB/ClickBank screwed me over?

Discussion in 'BlackHat Lounge' started by ShadeDream, Dec 31, 2012.

  1. ShadeDream

    ShadeDream Elite Member

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    I've had a few dollars laying around in one of my ClickBank accounts that I'm not really using so I thought I'd cash it out. I've cashed ClickBank checks before without any issues. The check that I cashed this time got me roughly £63 (pocket money, I know), but half a month later a letter comes through and they debit my account for £81 stating the unpaid reason as "unable to locate account". I was puzzled thinking wtf are they on about.

    So they charge me the following:

    Agents Charge - 8USD
    Bank Charge - 5GBP

    They use an exchange rate of 1.57. That would make it £10 in charges meaning that if this was my fault I should be paying them back £71 and NOT £81.
    But the idiots also applied the exchange rate to the dollars that they never had making me lose a total of £20!

    Anyway, I went to the bank to find out what happened because I wasn't sure what was the issue with the "unable to locate account". They told me that it was most probably an issue with locating the international bank account and told me to call the check phone line for more information. So I went back home and looked at the letter again to realize what looks like a MISTAKE that was made by the bank. The numbers at the bottom of the check did not match the numbers that were printed underneath the check by the bank. I'm not sure how the check process works and how they copy the account details but I assume it's manual.

    Here's a picture of the issue:

    [​IMG]

    So now that I know the issue is the banks fault, or at least I think it is I gave them a call and knew what to actually say to them. I explained this to the lady on the phone which was meant to be the person that deals with these issues and she was clueless, she told me there's nothing they can do about the fees or the issue. I tried to find out how the check process works but she kept it vague and pretty much didn't say much. She said it must be an issue with the international bank, so I told her if that's the case then it's not my fault and they should be the ones that should deal with the issue and not me. They're the ones cashing the check internationally...

    So where do I stand now? Not sure whether to send them a letter or go to the bank once again with the above picture requesting the manager?

    What a waste of time... Grrr!
     
  2. Duffers5000

    Duffers5000 Elite Member

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    Did the bank not ask for your Iban or Bic/Swift number ?
    Dont know any bank that would transfer internationally without that info....otherwise its pretty certain to mess up.
     
  3. steelballs

    steelballs BANNED BANNED

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    I would go to a lawyer on a pro bono basis giving him the instructions that he makes a claim to the bank to get back all the money back you have been duped out of and claim say £5000 in damages

    With a Nota Bene attached saying that if you did not got paid in full including the damages within 7 days you will go to the avaricious UK Tabloids and spill the story all over the UK newspapers...

    You will find lawyers that work in this field on pro bona in The Private Eye Ads section

    These specialist lawyers do this work on a daily basis and they will make Lloyds/TSB dance don’t worry about that…

    Odds in your favor 10/1 on as Lloyds/TSB is a bankrupt bank that has been bailed out by the UK Government, hence they will almost certainly settle than have all the bad press! Because if The Sun get’s on it they would blast the bank big time…

    How do I know it works! Trust me it does as that is the only lawyers I work with pro bono one’s as in over 90% of the cases they take on it is all about the green the money…
     
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  4. ShadeDream

    ShadeDream Elite Member

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    Isn't this a bit too far fetched ^^? I'm not even 100% sure if that's the banks fault? It looks like it is but how can I be sure?
     
  5. steelballs

    steelballs BANNED BANNED

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    I do not know all the details but what I do know is that banks are inherently dishonest which has been proven so many times in the past, and will doubtless act the same in the future. From my experience when you pussy foot around with banks they give you the circle jerk. From my understanding the way to deal with them is a big hammer to crack a nut! If my way seems OTT so be it. But I doubt you will get any progress with your issue by being polite with the bank!

    After all the bank's modus operandi is to scalp one and all of the customers:eek:

    As you can see from my posts I have zero time and patience to have any respect for banks period...
     
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  6. jimbobo2779

    jimbobo2779 Jr. VIP Jr. VIP Premium Member

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    Don't bother with a lawyer, far too much effort and should not be needed. Take it into the bank and show it to one of the tellers there, they will see the mistake and will very likely waive any fees because of it.

    Getting fees waived in banks in the UK is actually really easy if you go into the bank and calmly explain what has happened, I am sure in your case this is all that is necessary.

    Trying to explain this over the phone would be harder than in person as the person on the phone is used to being lied to by very many customers everyday about the smallest things whereas if you show a real person they will likely see the mistake and just reprocess it without the original extra fees.

    Do NOT go in there threating legal action, that should be the absolute last case scenario for pretty much any negotiation, threatening legal action is just a terrible way to approach what is probably just a reading error by the cheque processor.
     
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  7. steelballs

    steelballs BANNED BANNED

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    You could well be right!

    But I have my doubts as the OP has already been to the bank one time to sort it out unsuccessfully...

    Which means the OP is now out of pocket for the loss, plus the time and expense of having to go to the bank to query the loss

    Patience is a virtue, seldom found in man et al But what is the point in wasting time and more money over this issue. When if the OP is 100% in the right he can attack the jugular and make a nice bonus payout out of the banks Laissez-faire approach to business end of story...

    Taking legal as a terrible way to do business yes agree 100% when dealing with any honest business. But tell me honestly do you know of one bank in the world that runs an honest business? Please name one! With a bank they only buckle under legal pressure, it's called brinkmanship the first legal attack gets the money...

    Let's make it clear who has been shafted the Bank or the OP. Of course it is the OP!
     
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  8. jimbobo2779

    jimbobo2779 Jr. VIP Jr. VIP Premium Member

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    He said he called them. The bank made a mistake Im sure when a person at the bank sees it they will agree, if they don't then consider raising hell but people that instantly go into full offensive just make everything worse.

    This is not a question of whether or not banks are honest and no national newspaper would run a story about a bank making a simple mistake and it is not worthy of legal action in the slightest.

    Threatening legal action is in the vast majority of cases the absolute worse thing you can do when trying to get the help of someone, you are asking the person in the bank to sort out a problem, running in and being a prick threatening them and stuff like that does not help.

    I could go into detail about how the small claims system works and why it is not worth your time but ultimately you should do the right thing and take the papers you have into a bank and show them to a human, do not get irate and do not threaten anything. It is a mistake and most likely will get sorted out with a simple chat.
     
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  9. browsing_hosts

    browsing_hosts Regular Member

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    Dude just go the the banks local branch seriously I have had similar issues and I just speak to a very friendly representative at my local branch with whom I just phone on his mobile and set up a private meeting with. I am serious just explain to your bank what your business is and how much money you make and they start treating you like a VIP because they know you are important customer who most likely will cash international checks often making the bank money. If what you say is correct this is a minor issue and a mistake on their behalf just go into your local branch do not go up to the teller look for the branch manager or financial adviser near the front and speak directly with them.
     
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  10. alba56

    alba56 Regular Member

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    As you are in the UK this is not as difficult as moron bank makes it, you must put it in writing, tell them you want 5% above nank rate interest for each day they deny you funds.

    When they come back saying piss off, take the complaint to FSA renamed I think but easy to get, they know the processes and know what is acceptable and will find in your favour if it is the bank, and in most cases will accept your 5% above base as a reasonable return.

    Banks are always saying no hoping they can stonewall you if you mention ombudsman in letter it will get to someone with a bit more savvy.
     
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    Last edited: Dec 31, 2012
  11. steelballs

    steelballs BANNED BANNED

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    I have read every post in this thread and they are all 100% correct in their own particular way!

    But until it is resolved in the favor of the OP there is no satisfactory solution.

    The reality is that only the action taken by the OP will resolve the issue as without further contact from the OP the bank will do nothing..
     
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  12. ShadeDream

    ShadeDream Elite Member

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    Thanks guys, I will pop into the bank once again though this time I will speak to someone else and we'll see how it goes.

    At the mean time, wish you all a Happy New Year!!!
     
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  13. ShadeDream

    ShadeDream Elite Member

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    I've been to the bank today and I don't know what to say.... The people that work there are all a bunch of idiots...

    I was told to write a letter to the Cheques and Collections department because it's an international cheque and the branch can't do anything.

    I don't know what to do right now because the cheque will be void before this gets solved meaning that not only will I have to deal with the stupid bank but I will also have to pay ClickBank a fee to reprocess the cheque...

    PS. I've also realized that I have another cheque on its way from the same account for a few more $$$, should I wait till this one arrives and then deal with the issue by comparing them?
     
    Last edited: Jan 2, 2013
  14. Gogol

    Gogol Elite Member

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    That seems strange. I got paid 2 times from Clickbank through the same bank, but never had an issue with them (except for the time delay obviously). It must be a terrible mistake done by the bank. Why don't you approach Clickbank straight-away?
     
  15. ShadeDream

    ShadeDream Elite Member

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    I still haven't managed to sort this out. I visited Lloyds and they told me that they can't do anything because the check has been kept at the US bank. They told me to go back to ClickBank to get a new one. Now, I've contacted ClickBank and I was told that I will have to pay a $20USD reissuing fee. I gave ClickBank some more information and I was offered 50/50 fee charges which I think is very nice of them. Though I am pissed at Lloyds and don't know what to do? Do I just go to the bank and hassle the manager until I get the fees I was charged for back? With ClickBank I have the option for a direct deposit which I should have went for in the first place but I don't know what to do? I was thinking if I request a check and cash it, I can prove Lloyds that the check was valid and someone screwed up after it was handed to them. I ended up losing £20 because of someones mistake and if it wasn't for the fact that this money was taken by the bank, I would have passed it through. But banks are scammers!
     
  16. ShadeDream

    ShadeDream Elite Member

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    Bump. Any ideas? The last thing I want is to go into the bank throwing my mouth around when I'm not exactly sure of my rights.
     
  17. Panther28

    Panther28 Elite Member

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  18. Asif WILSON Khan

    Asif WILSON Khan Executive VIP Premium Member

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    write a letter to their head office stating all the facts, explain that the branch was less than helpful and state that you want all fees and charges reimbursed and you want to be compensated for the time and trouble their error has caused
    also state that if the issue is not resolved within 7 working days you will be contacting the fsa and fos
    http://www.lloydstsb.com/
    http://www.lloydsbankinggroup.com/home.asp
    http://www.fsa.gov.uk/
    http://www.financial-ombudsman.org.uk/
    http://www.financial-ombudsman.org.uk/consumer/complaints.htm



    panther28 posted a link to fos above but it seems to go to fos aus for me but I think the link I posted should work
     
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    Last edited: Feb 10, 2013
  19. ShadeDream

    ShadeDream Elite Member

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    Thanks, I think I know what I will do. I will go into the bank once again, explain to them how I can get a new check and ask them to return the fees as someone has made a mistake by overlooking the error and therefore should have denied the US fees and told them to re-check the check. If they tell me that there is nothing they can do about it, I will get them to write this down and sign it with their name and the date. I will then write a complaint with the evidence to the bank and see how it goes...

    I kind of missed your reply, and not sure whether I should still do what I've written in reply to panther28 to solidify my evidence or should just go with your advice? I will probably do the latter.
     
    Last edited: Feb 10, 2013
  20. Asif WILSON Khan

    Asif WILSON Khan Executive VIP Premium Member

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    yes, you can still go into the branch again but ask to speak to somebody senior, explain everything calmly and show them the evidence of where they made the mistake and if they try to fob you off and tell you you need to ring another dept then get THEM to do it
    make sure to take the name of anybody you speak to and explain that if the issue is not resolved immediately then you will be taking things much further

    I used to work in a bank(many years ago) and mistakes happen but normally can be sorted out because cheques are returned to the issuing bank so if there is a problem the cheque can be dug out and investigated etc, the problem is that your chq will have been returned to the us bank but this is not YOUR problem, it is Llyods.

    Good Luck, I know these things can be frustrating but I am sure will be sorted out in the end.
     
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