Thank You So Much For Your Advice Methyl.

[ladybirder]

Methyl and other posters may remember replying to a thread I posted last year telling how my son and his wife had been scammed out of £3k.

http://www.theanswerbank.co.uk/Business-and-Finance/Question1365054.html

Well I am so pleased to tell you that I relayed Methyl's advice to take their case to the Banking Ombudsman, which they did, and the Ombudsman has found against Santander and in their favour and they will get their £3k back + 8% interest. I understand the decision is lawfully binding and final so they are very happy.

Methyl, thank you so much. Without your advice they may not have bothered. And to those who wrote that they had never heard of anyone being successful in getting their money back - well you have now. So anyone you hear of in the future with the same problem tell them to take their case to the Ombudsman. Cheers;-))

[Mamyalynne]

What a result!!

[hellywelly4]

What brilliant news!

[Old_Geezer]

Good to hear.

[fiction-factory]

Good result.
I admire them for chasing it because I can't immediately think why Santander were at fault but the Ombudsman clearly knows his /her stuff, so well done Methyl

[chrissa1]

Fan. Tastic!!

[ladybirder]

FF, the answer lies here in this C&P from Methyl's advice:

// Please lobby the Banking Ombudsman subject to the following:
There is no way that you should be able to execute an International Bank Transfer against uncleared funds. IF YOUR CURRENT ACCOUNT BALANCE CAN COVER THE TRANSFER, THE INCOMING CHEQUE IS TOTALLY IRRELEVENT. \\

Because of what Methyl had said, I asked them if they had enough money in their account to cover the £3k they transferred to the scammer without using the "cleared" funds. They said No, so it was game on. Santander had shown these funds as "cleared" and they weren't.

Does that explain it FF?

[fiction-factory]

Thanks. I know that but I thought it was accepted that cheques that appear to be genuine and are cleared can sometimes be found to be stolen or forged so could be reversed. If the ruling applies to all banks I'm not sure how they are going to deal with these

[TWR]

My type of Justice, I love these type of results. good luck to them x

[askyourgran]

That is good to hear, taking on a bank is a big step. I've heard a few horror stories about Santander. It pays to air your problems on here.

[Tilly2]

I am so pleased that it has been sorted for your son and his wife, LB.

Well done to them for pursuing it and, obviously, well done to Methyl for showing the way.

[Peter Pedant]

I agree with FF
this is a standard 2-4-6 scam

see here
http://forums.moneysavingexpert.com/showthread.php?t=1708263

anyway the good guys win in the end - well done for sticking with it

and since Me could see a target we couldnt identify at all
he is a genius

[ladybirder]

I haven't actually seen the letter from the Ombudsman ff, but I know that information came to light about the money being transferred the day after my son thought it had gone through. The bank had refused to talk to my DiL about it at all and were very offhand.
Thank you everyone, you sound as pleased as we are. X
I hope Methyl sees this.

[jno]

well done you, and Methyl too.

[gness]

Well that has chuffed me, LB.....so good to hear a result like that....they must be delighted!

[thesecondlaw]

Good news ladybirder. Methyl, you truly are a star ;-)

[ladybirder]

I must mention their next door neighbour who is a retired bank manager who advised them with their claim, Big Up to him as well.

Hopefully others will do the same and challenge their banks in future.

[ladybirder]

Just bumping this as I can see Methyl's on line.

[tonyav]

Hey, excellent result that.

[Mamyalynne]

Done an FAO for him LB.

[gness]

And I nudged him on Tony's thread.....probably gone for a lie down with all these women suddenly chasing him tonight......☺