Hello Bob my name is ***** ***** I will help you. What is it you want to achieve please?Alex
Just to be clear, this is the name you have given to the online bank account, like a nickname?
Thanks. You need to write to your bank and set out your complaint. They will investigate the matter and report back to you. If you are not satisfied with their response then you can complain to Head Office. Their address is:
TSB, Customer Services, BX4 7SB
If that does not resolve your complaint you can then complain to the Financial Ombudsman who regulate banks, are independent and can consider your complaint.
Their website is: www.financial-ombudsman.org.uk
That should resolve it for you. So in summary:
1) Complaint to branch
2) Complaint to Head Office
3) Financial Ombudsman
Can I clarify anything for you about this today please?Alex
Hello Bob I am very sad you gave me a negative rating as it affects my standing on the site.
I had thought I had answered your question and I am sorry you already knew the answer, but sadly I can only tell you what the law is.
However to answer your questions as you have raised them:
(1) a bank cannot tell a customer it cannot have an account designated after the customer's name with, as in my case, R A Sansom SODS A/C which is essentially the same as R A Sansom 1 A/C or R A Sansom Business A/C. - it is a matter within its terms and conditions, you need to check too see what they say about naming. if it is not in the terms then they can NOT enforce it
(2) It is correct legally for a bank to allow customers to add through its internet banking system an identification tag to the customer's personal account name, which in my case it advised I could add "SODS A/C" to R A Sansom. So it now appears on the internet account system I look at as R A Sansom SODS A/C. However, the bank cannot identify itself how the customer has designated the account in the branch? - this is NOT illegal. There is no offence to allow a customer to add a bank account through internet and then change the identification tag. This may be a contractual issue, but it certainly is NOT illegal.
But if that person, or for that matter any other person not on internet banking, makes a cheque payable to me in the name R A Sansom SODS A/C, the branch manager can return the cheque because it does not match an account which the branch has registered in that name? - Yes the branch manager can, but once again this will be in the terms and conditions. If those terms are silent then the bank can NOT refuse.
Does that clarify? Alex
Happy to help Bob. Alex