Jessica ties up financial loose ends

538PM GMT twenty-two March 2010

Dormant comment eventually laid to rest

In May 2008, I privileged out my loft and came opposite a passbook for a TSB bank comment that I common with my right away ex-wife. Since the comment had not been closed, I contacted my internal Lloyds TSB bend to get a small recommendation per asleep accounts.

JLAltrincham, Cheshire

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As there had been no wake up on the comment for a small time, it had been reclassified as "dormant". The bank indispensable to re-identify the comment holders prior to reactivating it.

You are no longer in hold with your ex-wife, or primary wife, as you additionally call her.

When you attempted to get the comment change the bank would not recover the funds.

However, since the volume involved, that is small drink in any bank"s book, and the circumstances, the bank has now, after all, concluded to accept your solitary direction to close the account. Although the passbook shows �120.03 as carrying been the change in 1974, it seems that in between afterwards and 1985 when the comment was eliminated onto a new computer system, this dwindled to �27.91. Interest warranted since took it up to �33.21. Not a good outcome really, but one that does tie up a lax end.

Hampered by down payment mix-up

At an Alliance & Leicester bend I opted for the two-year fixed-rate down payment to put the income from the sappy down payment into. Having got the new down payment all sealed up, I asked that the annual seductiveness be paid in to my nominated bank account.

No, I was told, seductiveness is paid possibly monthly or on majority of the bond. If you opt for annual seductiveness an volume homogeneous to one year"s seductiveness is combined to the bond. This is not what I longed for and not what I had sealed up for. On the behind page of the prospectus that came with the minute there is a divide headed "interest payments". I have noted the square in red. You will see it says privately that annual seductiveness can be paid in to a bank account.

A couple of days after I returned to the bend and saw an one some-more chairman who was additionally austere that seductiveness at the finish of the primary year was not paid out but would be combined to the bond.

CB Dorset

You longed for a solid income from this �20,000 investment. However, when you comparison this option, it was denied you.

You rang assorted people inside of Alliance & Leicester, right away piece of the Santander group, and still got nowhere. Only after I became concerned did Alliance & Leicester confess that you had been supposing with improper report relating to the approach in that seductiveness could be paid on your two-year fixed-rate bond.

The bank has right away sent you a form to finish and lapse to it so that seductiveness can be set to be paid to your nominated comment on an annual basis.

It has additionally organised for what you report as a really good bushel to go to you by approach of apology. Given the complaints I have had about a small hampers sent by alternative providers (unappetising and frugal according to a small of the feedback), this bank has finished well to bleed regard in this area.

Thieves stole thousands

In the past 3 years I have been operative abroad in Indonesia and Nepal. During that time I frequency used my withdraw card, that is related to my Barclays stream account.

However, during a authorised holiday in the UK, I attempted to make use of it and was prevented from you do so. I detected that �24,552 had been fraudulently taken from my account, all of that had been outlayed in Australia. At no time was I in Australia over the period. Although I was prevented from utilizing my card, the fake exchange continued. I rught away reported the make a difference to Barclays.

I was positive by Barclays that the fake exchange would be stopped and all monies refunded to me. As piece of this routine I was asked to code all exchange I had not done and that I believed to be fraudulent. I did so and sent a total of 3 copies of reasonably highlighted bank statements to Barclays. Subsequently a total of �20,482 was refunded to me.

NBNorth Yorkshire

Despite your attempts to put things right, and nonetheless a small some-more income was paid back, by the time you wrote to me you believed �4,070 was still outstanding, along with �228 in charges as a outcome of being overdrawn since of the fraud.

You had done dual central complaints to Barclays and, during your last hit with the rascal dialect in India, were told the bank would not have any some-more to do with the matter. As far as the bank was concerned, the box was closed.

You had changed your family behind from abroad not prolonged ago and usually had part-time practice and right away indispensable the money.

By the time I got concerned the make a difference had been going on for dual years. Three days after my primary hit �2,051 was refunded.

Then dual �60 "referral" charges and �108 for seductiveness were additionally paid. The reinstate total turns out to have been some-more than was essentially missing. A difficult unfolding of repetitious exchange obviously had confused both you and the bank, partly since a small of the crook"s requests had not essentially been accepted. You hold the overpayment to be �359 representing one repetitious refund. While, according to the bank"s record, it has overpaid �560. Whichever figure is correct, the bank has authorised you to keep the over-abundance for organization to assistance the poor and to cover any one some-more superb charges that stand up.

Barclays pronounced it was the primary it had listened about the one some-more fake transactions. You contend you had taken report about them in to the bank a prolonged time ago. Somehow it contingency have been misplaced.

It was a whilst prior to you concurred that all the income due had been repaid. You contend this was since you were relocating residence and papers were in opposite places. Also you blamed alternative commitments.

You pronounced you longed for to protest a small things pronounced by Barclays and betrothed to come behind to me. After giving you an volume of time I have not had this feedback.

Anguish over Abbey error

Unlike most of your correspondents, I have had some-more than twenty trouble-free promissory note years with Abbey. That is until now. My father became severely ill and sadly has right away died. I am fearful I don"t have the will to disagree serve with Abbey and would conclude any assistance you can give.

JBKent

Before tragedy struck, carrying remarried, you called at an Abbey bend and handed over your label and chequebook, and requested replacements in your new name. It seems that this might have led to a small kind of executive blunder inside of the bank with an one some-more comment being set up by mistake. You done 3 personal calls prior to the new chequebook was issued. Then, nonetheless the withdraw label had the scold number, neglected by you when it came, the chequebook did not. After that you perceived a bank matter display a necessity of �161 and charges totalling �95.

The Abbey code quietly, as I have reported elsewhere, slipped out of the high travel progressing this year to be transposed by Santander, the Spanish promissory note group. Not that the actuality that this was afterwards in the offing impacted on your circumstances. For you the originality was in the comment series when, out of the blue, you proposed reception bank statements temperament one you hadn"t seen before. You had no need of a second account, and your stream comment number, that had served you well for most years, was not the one right away shown.

Now the second comment has been sealed and �95 refunded to your active account. I assimilate a present has been sent.

Write to Jessica, Your Money,Media Group, 111 Buckingham Palace Road, London SW1W 0DT

Because of the volume of mail received, it is not probable to reply to each minute and association cannot be entered into. Please do not send strange papers or hammered and addressed envelopes. Responsibility, authorised or otherwise, for answers since cannot be accepted. Cases now with an ombudsman, going by a justice of law or sent to alternative columns will not be considered. In further I cannot take up issues when the bard is a third party, alternative than in well-developed circumstances. I cannot reply to emails. A full postal address, a signature and daytime write series are needed.