Hello my name is Alex and I will help you with this. Please note that I am a working Solicitor and may be on and offline as I have to attend Court and meet with clients, even at weekends. As such you may not get an instant response when you reply as this is not an ‘on demand’ live service, but rest assured I will be giving your question my immediate attention upon return.
Have you yet complained to the Bank or Ombudsman please?
You now therefore need to complain to the Financial Ombudsman. They are independent of the Bank and can investigate your complaint. If the Ombudsman does not uphold the complaint then it is likely that any Court action would fail. The Ombudsman can be located online at: http://www.financial-ombudsman.org.uk/
This is the next step you should take if they have given a final response.
Can I clarify anything for you about this please? Alex
I am now taking to FOS however I wanted to be sure that the bank should stick to its terms
what is your thoughts- is the bank right or not ?