Tuesday, 29 March 2016

The birth of a banker

The birth of a banker the parasite Entamoeba histolytica, A parasite is an organism that lives on or in a host organism and gets its food from or at the expense of its host. There are three main classes of parasites that can cause disease in humans: protozoa, helminths, and ectoparasites, Seems a good description of bankers.

Sunday, 27 March 2016

Is it god's banker or the bankers of today

We all know banker are crooks going back to 1982 when god's banker was found hanged beneath Blackfriars Bridge it turn out he was also the banker to the mafia and like all bankers he could not keep his hand off their money and help himself to some of it and like we all would like to do they took appropriate action against him.

Saturday, 26 March 2016

The dregs of society

Is this Paster and two of his branch managers out celebrating there ill-gotten gains Chris Knight, the professor of anthropology had the right idea to hang banker from lampposts they are the dregs of society bloodsucking scum.

Friday, 25 March 2016

Did anyone lose any money at sex corner

Did anyone lose any money at the sex corner yesterday TSB Bank Pollok.1 Braidcraft Place; Pollok; Glasgow did you see the fat wee woman that's the branch manager did she fleece you out of your money was her pimp Peter Ceo there.

Thursday, 24 March 2016

Sex corner

If you are out and about near TSB Bank Pollok.1 Braidcraft Place; Pollok; Glasgow and you see a fat wee woman that's the branch manager out looking for tricks but be careful she is a con artist and will scam you out of your money.

Wednesday, 23 March 2016

TSB list of shame

Just a few of the names on the TSB list of shame now we can add two more Peter Paster TSB boss and Susan Hosie of the Pollok Glasgow branch. Rhona Gallacher TSB boss admitted stealing from the accounts of pensionersand other savers Victoria Earle TSB bank banker who stole more than £30,000 from sick and elderly customers Mathew Bryant TSB admitting stealing £8,500 TSB manager Susan Burnett swindled £22,290 from elderly account holders to pay off her own debts. Marc Burnett, 30 An adviser working for the Bank has avoided a jail sentence despite stealing more than £200,000 from elderly clients to fuel his gambling habit Gambling addict Matthew Hayhurst, who worked for TSB in Accrington steal more than £90,000 from an elderly man. A BANK manager whole stole from elderly customers to feed her addiction to ... TSB branch manager Catherine Fox's was jailed for two year TSB branch manager Catherine Fox’s was jailed for two years in May last year after she admitted 19 charges of theft in which she mainly targeted vulnerable pensioners.

Branch manager Pollok Glasgow

I just found out the name of the person who made my money disappear it's Susan Hosie so if you see her out shopping remember how she get her money.

Is Iain Brown an idiot or corrupt.

RE: Your complaint about TSB Bank plc (Our ref: 17673480)

 
 
15:27
 Photos
To: Brown, Iain
I will be taking you to court you have failed to investigate my complaint about missing money 
and that's either because you are corrupt or you are an idiot who thinks banks can take customers money and nothing can be done about it. 





From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: RE: Your complaint about TSB Bank plc (Our ref: 17673480)
Date: Wed, 23 Mar 2016 13:57:35 +0000

Dear Mrs McHale

Thank you for your email.

Unfortunately there isn’t anything I can helpfully add to what I’ve said already. Our involvement in your case is at an end and there will be no further investigation into the merits of your complaint.

You’ve mentioned in your last couple of emails about going to court. This is of course your choice and right to do so. You may also wish to seek independent advice for doing that.

Yours sincerely

I

Financial ombudsman in the pockets of the banks


It’s not surprising the financial ombudsman don’t want to investigate the TSB about the missing money from my account it has always been said they are in the pockets of the banks.   

TSB steal money from old age pensioner



13:49
To: Paul.Pester@tsb.co.uk

So you and your fascist staff closed my account but where is my money there was a £1081.34 in the account when you closed it I want it back if I don't get it I will take you to court as a pensioner it cost me nothing to personally take you as the name defendant because whatever happens it will cost me nothing to go to court but you will have to pay to defend yourself.

M McHale   





From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 13 Jan 2016 17:59:48 +0000

Summarised, it can be said that the BCOBicon provisions require that
  • banks treat their customers fairly
  • banks communicate with their customers fairly
  • banks have regard to their customers interests when making decisions

From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Mon, 11 Jan 2016 21:19:43 +0000

Where my money you thieving bastard do you think you will get with stealing your customers money


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Sat, 9 Jan 2016 19:34:09 +0000

Dear Mr Crook 

As my complaint is now with the financial ombudsman about your illegal actions I request you keep your thieving hands off my account and stop stealing money from if until they have investigated your actions.


M McHale







From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 21:28:11 +0000

Check out the attachments and see how you have fuck up asshole.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 18:10:27 +0000



How gave you permission to take money from my account put it back or prove you had the right to do it you stupid fascist fuck I have already made a complaint about you bank you fascist little fuck.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 11:17:20 +0000

I need answer to my email.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 09:28:58 +0000

Can you confirm if this susan person will keep the appointment tomorrow as I need this matter sorted out as I need access to money that's in the account as my daughter has just passed away in Southern General Hospital this morning ward 5D incase you want to check so I need access to the money to cover some of the funeral expenses.


M McHale  


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 06:25:36 +0000

Dear Don

I have Just received a letter from a halfwit called pester who said they had block my account and a new debit card would be issued so send this susan person out to my house to hand it to myself and make sure she turns up this time and she will not have any difficulties in speaking to me if she fails to I will take appropriate action against you fascist thugs I have set aside appointment of 2pm 7th December for it, if this is not suitable call 01418838272 to make a more suitable one.

M McHale.




From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:28:40 +0000



I'm still being harass by your employee she phoned my home on Monday demanding to speak to me my son took the call but I was asleep so he told her this so she said she would be coming out on Tuesday and asked for the best time to call my son said 2pm I was worried all night wondering what this was all about and had a bad night because of it then but on Tuesday she fails to turn up or call to cancel and I'm still in dark as to what this woman has against me does she get a bonus for turning down chargebacks requests whatever it is I'm considering taking legal action against TSB.



From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:10:30 +0000




From: tmch54@hotmail.com
To: paul.pester@tsb.co.uk
Subject: Crooked Bank Manager
Date: Sat, 12 Dec 2015 16:51:56 +0000

I'm a 86 year old housebound pensioner and I'm being harness by a bank manager because I asked for a chargeback and I complained about the bank not replying to letters I have attached copies to this email.


M McHale



Tmch Pollok


13:35
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

I don't care what TSB say they cannot keep peoples money they are not the law it's your job to investigate my complaint about the missing money and if you don't I will be taking you and the tsb to the small claims court as join defendants because whatever happens it will cost me nothing to go to court but you ( Bridget Makins as the named defendant )and the crooks at the tsb will have to pay to defend yourself so stop begging tsb to get you out of a fix and do you job.  

M McHale


From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about TSB Bank plc (Our ref: 17673480)
Date: Wed, 23 Mar 2016 13:00:59 +0000
Dear Mrs McHale

Since we were last in contact our service has been back in touch with TSB about the missing money. I’m afraid that they’ve confirmed that as the account was opened fraudulently they won’t be releasing the funds from the account.

I’m sorry as I know this isn’t the answer you were looking for however there isn’t anything further I can add. As we have given you our final decision, our involvement in your case is now at an end.

Yours sincerely

Iain Brown  

Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

And not dealing with the part of my complaint about the missing money is good customer service I time and time again asked what you where going to do about it and you keep ignoring the missing money what do you expect people to think when you don't do the job you are paid for and ask the bank where the money is and what law gave them the right to remove the money from the account and where is the natural justice in the tsb being able to closed an account without giving a period of time for the account holder being giving time to sort out thing before the account being closed so I expect you to get things sort out if not I think I will be within my rights to take you and the tsb to the small claims court as join defendants because whatever happens it will cost me nothing to go to court but you ( Bridget Makins as the named defendant )and the crooks at the tsb will have to pay to defend yourself . 

M McHale



From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: RE: Your complaint about our service
Date: Wed, 16 Mar 2016 12:59:41 +0000
Dear Mrs McHale

Thank you for your email.

The reason I asked about if you had any customer service issues was because that is something that both I and the senior manager can look into and comment on. Examples of that may be if we caused delays in your case being looked at, or communicated with you inappropriately in any way.

We aren’t able to comment on the merits or facts of your case as that is the role of the ombudsmen. I’ve sent an email again to Bridget, who was the ombudsman in your case, and asked if she has any comments she can add about the missing money. I’ll forward you any comments as soon as I receive them back.

You’ve also asked who regulates our service. We were set up by parliament to sort out individual complaints that consumers and financial businesses aren’t able to resolve themselves. We answer to a board of non-executive, public interest directors. They are appointed by the Financial Conduct Authority (FCA) under the Financial Services and Markets Act 2000. The chairman of the board is appointed by the FCA with the approval of HM Treasury.

However the board directors are not involved in considering individual complaints. Their job is to take a strategic overview and ensure the ombudsman service is properly resourced and able to carry out it’s functions effectively, impartially and independently – free from any control or influence by those whose disputes it resolves.

You can find out more information about our service and how we work on our website FAQ’s.  

Yours sincerely

Iain Brown

From: Tmch Pollok [mailto:tmch54@hotmail.com]
Sent: 14 March 2016 13:19
To: Brown, Iain
Subject: RE: Your complaint about our service

You are a halfwit in your last email you ask any if I had any concern with the anything relating to the customer serviceI had received I was to let you know and you would ask them to do so, and when I tell you my concern that my complaint was not address correctly part of my complaint was the missing money and they did nothing about it, who regulate the FOS because I want to make a complaint about the conduct of the FOS.
 Tmch Pollok


14/03/2016
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

You are a halfwit in your last email you ask any if I had any concern with the anything relating to the customer serviceI had received I was to let you know and you would ask them to do so, and when I tell you my concern that my complaint was not address correctly part of my complaint was the missing money and they did nothing about it, who regulate the FOS because I want to make a complaint about the conduct of the FOS.


M McHale  



From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Mon, 14 Mar 2016 12:52:07 +0000
Dear Mrs McHale

I’m sorry that you’re still unhappy with the decision and can understand you’re frustrated. However you have now had our final decision on your case and that is our last word on the facts of your complaint - there isn’t anything further we can add.

While I do understand this has been a frustrating experience for you, I find some of the language you’ve used to be unacceptable. I would ask that in any future correspondence with us you refrain from using such language or we may have to stop communicating with you.

Yours sincerely

Iain Brown


Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
 Tmch Pollok


Description: ttachment

14/03/2016
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

Outlook.com Active ViewDescription: https://dub119.mail.live.com/ol/clear.gif

1 attachment (77.5 KB)
Description: lick for Options
CLOSING BALANCE TSB 14-03-2016.docx
Description: https://dub119.mail.live.com/ol/clear.gif
·        
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So where the fuck is the money that has disappear from the account are you so fucking stupid you don't understand that I don't give two fucks about the account being closed I just want the money that was in the account idiots there should be a closing balance of £1081.34 but the TSB have made £506.00 of that disappear so where is it thats your job to find out.


M McHale






     


From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Mon, 14 Mar 2016 10:39:21 +0000

Dear Mrs McHale

I’m contacting you in response to the email which you sent on 7th March 2016 where you’ve requested that a senior manager look into your concerns about how your case was handled. I’m sorry that you remain unhappy with the outcome that has been reached in your case.

The senior manager can only look into and comment on the customer service you’ve received from us. They aren’t able to comment on the facts of your case and can’t overturn a decision of an ombudsman – nobody at our service, however senior, is able to do that.

From the look of things you’re unhappy about the decision the ombudsman has reached. Since your email was passed to me I’ve had a chance to speak to the ombudsman in your case, Bridget Makins. She has confirmed to me that she has considered all of the evidence on your casefile from both yourself and the business before coming to her decision. And she feels that she’s explained why it was reasonable for the bank to close the account, citing the terms and conditions for the account.

I’m sorry that you aren’t happy with the decision that has been reached but from my review of the file, I can see that our usual process has been followed. As I’ve mentioned the senior manager won’t be able to look into or comment on the facts of your case but if you want them to look into anything relating to the customer service you’ve received then please let me know and I can ask them to do so.

Yours sincerely

Iain Brown
Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Tmch Pollok


14/03/2016
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

So where the fuck is the money that has disappear from the account are you so fucking stupid you don't understand that I don't give two fucks about the account being closed I just want the money that was in the account idiots there should be a closing balance of £1081.34 but the TSB have made £506.00 of that disappear so where is it thats your job to find out.


M McHale






     


From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Mon, 14 Mar 2016 10:39:21 +0000

Dear Mrs McHale

I’m contacting you in response to the email which you sent on 7th March 2016 where you’ve requested that a senior manager look into your concerns about how your case was handled. I’m sorry that you remain unhappy with the outcome that has been reached in your case.

The senior manager can only look into and comment on the customer service you’ve received from us. They aren’t able to comment on the facts of your case and can’t overturn a decision of an ombudsman – nobody at our service, however senior, is able to do that.

From the look of things you’re unhappy about the decision the ombudsman has reached. Since your email was passed to me I’ve had a chance to speak to the ombudsman in your case, Bridget Makins. She has confirmed to me that she has considered all of the evidence on your casefile from both yourself and the business before coming to her decision. And she feels that she’s explained why it was reasonable for the bank to close the account, citing the terms and conditions for the account.

I’m sorry that you aren’t happy with the decision that has been reached but from my review of the file, I can see that our usual process has been followed. As I’ve mentioned the senior manager won’t be able to look into or comment on the facts of your case but if you want them to look into anything relating to the customer service you’ve received then please let me know and I can ask them to do so.

Yours sincerely

Iain Brown
Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
 Tmch Pollok


07/03/2016
To: complaint.info@financial-ombudsman.org.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

I writing to make a complaint to the senior a manager about the handling of my case, part of my case was that TSB where unreasonable in not give me time to get the account in order before it was closed and it was acting illegal in removing money from my account to the point that I don't know where it has went to, it could have went into the pocket of the branch manager who it is rumour that this is not first time she done this and the FOS don't seem to care I wonder why that is, she was also caught in a lie when they said my son admitted opened the account without my knowledge FOS completely ignored all of this,

In the quote below you say, we will always take account of what you tell us about the case. But we also have to consider carefully the other side of the story. We listen to the facts and arguments from both sides and balance them carefully to help form our view. 

Well it did happen in my case you ignored everything I said but you cannot say that about what TSB said every word they said including there lies was taking into account so you are either bad at your job or you are corrupt what is it,

So I want three things answered,

1) Where is my money,
2) Why is it reasonable to closed the account without give time to sort thing out,
3) Is the FOS corrupt.  

M McHale

that.taking your views into account
We will always take account of what you tell us about the case. But we also have to consider carefully the other side of the story. We listen to the facts and arguments from both sides and balance them carefully to help form our view. If you disagree with our view, you can ask us to reconsider the matter. We will explain how you can do that.
In the majority of cases, we are usually able to settle the dispute informally to the satisfaction of both sides – by making suggestions and recommendations that the business and consumer both accept. In a small number of cases, one of our ombudsmen will need to make a formal decision, to settle the matter.
Our ombudsmen and adjudicators base their decisions on what they consider is the fair and reasonable approach in the particular circumstances of each individual case.     


From: tmch54@hotmail.com
To: iain.brown@financial-ombudsman.org.uk
Subject: RE: Your complaint about our service
Date: Sat, 20 Feb 2016 13:00:33 +0000
I have contacted a few of the trader who made the refunds and they said that they never received this money back from the TSB if that is true were is the money how do I know it's not in this bank managers pocket and she is paying certain people off, 

Do you see what can happen when people jump to conclusion everyone looks guilty how do you like it so fine out were the money has went to..   


M McHale




From: tmch54@hotmail.com
To: iain.brown@financial-ombudsman.org.uk
Subject: RE: Your complaint about our service
Date: Fri, 19 Feb 2016 16:48:23 +0000

Your final decision means nothing to me when you don't do the job you have be paid to do I gave you the list of transaction that TSB did a reverse transaction on as you accused my son of fraud without any evidence I now expect you to do what you should have done in the first place and use the list to prove one way or another to find out who was in the wrong because it's clear your wearing blinker by refusing to take all the evidence you seem to think that looking at a few sheets of paper the bank give you and not looking at a source of evidence I have supplied means you are doing a good job no it does't it means you are corrupt because you lazy, you are not above the law and I will take you to court if you mess this up I have attached the list again so do your job.      


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Fri, 19 Feb 2016 16:05:55 +0000
Dear Mrs McHale

Thank you for your patience while I’ve been looking into your concerns about how we’ve handled your case.

In your email to Caroline Wayman you’ve said that you don’t think we’ve handled your case impartially and you want your case passed to someone more honest.

The role of the adjudicator is to consider both sides of the story and look at the evidence provided by both yourself and the financial business before coming to a fair and impartial outcome. I’ve had a chance to review your file and I’m satisfied that Kuldeep has followed our usual process with your case. In every case we look at, if either the consumer or the business disagree with the outcome that is reached, then you can ask that the case is sent to an ombudsman to review the file and give our final decision on your case. The ombudsman will look again at the whole file and independently review the case before coming to their decision. I’ve attached a factsheet which explains what a final decision means.

As it’s clear that you disagree with Kuldeep’s view on your case then I think the best way to proceed is to pass the case to an ombudsman. I’ve asked Kuldeep to contact the business to see if they have anything further to add for the ombudsman to consider. I’d also like to ask that if you have anything further you’d like to add that you send this to either myself or Kuldeep by Wednesday  24th February 2016 so we can add it to your file. If you would like to add anything but don’t think you can get this to me by that date then please let me know. I have added your latest email to your file which includes the seller information contact details.

If you have any questions about any of the above please don’t hesitate to get back in touch.

Yours sincerely

Iain Brown


Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
 Tmch Pollok


02/03/2016
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

Please confirm you have passed my complaint on to the ombudsman and you are not sitting on it hoping it will go away because I will not until I get my money out off your and the bank managers pocket. 







From: tmch54@hotmail.com
To: iain.brown@financial-ombudsman.org.uk
Subject: RE: Your complaint about our service
Date: Fri, 19 Feb 2016 16:48:23 +0000

Your final decision means nothing to me when you don't do the job you have be paid to do I gave you the list of transaction that TSB did a reverse transaction on as you accused my son of fraud without any evidence I now expect you to do what you should have done in the first place and use the list to prove one way or another to find out who was in the wrong because it's clear your wearing blinker by refusing to take all the evidence you seem to think that looking at a few sheets of paper the bank give you and not looking at a source of evidence I have supplied means you are doing a good job no it does't it means you are corrupt because you lazy, you are not above the law and I will take you to court if you mess this up I have attached the list again so do your job.      


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Fri, 19 Feb 2016 16:05:55 +0000
Dear Mrs McHale

Thank you for your patience while I’ve been looking into your concerns about how we’ve handled your case.

In your email to Caroline Wayman you’ve said that you don’t think we’ve handled your case impartially and you want your case passed to someone more honest.

The role of the adjudicator is to consider both sides of the story and look at the evidence provided by both yourself and the financial business before coming to a fair and impartial outcome. I’ve had a chance to review your file and I’m satisfied that Kuldeep has followed our usual process with your case. In every case we look at, if either the consumer or the business disagree with the outcome that is reached, then you can ask that the case is sent to an ombudsman to review the file and give our final decision on your case. The ombudsman will look again at the whole file and independently review the case before coming to their decision. I’ve attached a factsheet which explains what a final decision means.

As it’s clear that you disagree with Kuldeep’s view on your case then I think the best way to proceed is to pass the case to an ombudsman. I’ve asked Kuldeep to contact the business to see if they have anything further to add for the ombudsman to consider. I’d also like to ask that if you have anything further you’d like to add that you send this to either myself or Kuldeep by Wednesday  24th February 2016 so we can add it to your file. If you would like to add anything but don’t think you can get this to me by that date then please let me know. I have added your latest email to your file which includes the seller information contact details.

If you have any questions about any of the above please don’t hesitate to get back in touch.

Yours sincerely

Iain Brown


Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
 Tmch Pollok


23/02/2016
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

Are you people stupid my complaint is about TSB not letting me get my money out every penny due and that TSB don't have the right to make it disappear and it is your job to make sure I get my money back I don't care about the account being close fool I just want my money back and I don't think it's unreasonable to expect a period of time for me to sort thing out before the account being close so pass it on to the ombudsman there can't be anyone stupid then you two who believed the lies told to you by TSB and then failed to check if what they said was true instead you made false accusation which you had no evidence of  


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: RE: Your complaint about our service
Date: Tue, 23 Feb 2016 16:15:44 +0000
Dear Mrs McHale

Thank you for your emails which have been added to your casefile.

The issue that has been considered by our service in your case has been whether the bank were correct or not in closing your bank account. I know that you have concerns about refunds sent to ebay traders who you would like us to contact. However that is not something which our service would look at and I can only suggest that you get in touch with them or ebay directly.

As Kuldeep has given you his opinion in your case, it’s up to you whether or not you agree. If you don’t you can ask for an ombudsman to review your whole file before issuing you with our final decision for your case. But I must reiterate that the ombudsman will only look at whether or not the business acted appropriately in closing your account.

Please let us know if you’d like to ask for an ombudsman to review your case by 25th February 2016 as this is when it’s due to close.

Yours sincerely

Iain Brown



From: Tmch Pollok [mailto:tmch54@hotmail.com]
Sent: 20 February 2016 13:01
To: Brown, Iain
Subject: RE: Your complaint about our service

I have contacted a few of the trader who made the refunds and they said that they never received this money back from the TSB if that is true were is the money how do I know it's not in this bank managers pocket and she is paying certain people off, 

Do you see what can happen when people jump to conclusion everyone looks guilty how do you like it so fine out were the money has went to..   


M McHale




From: tmch54@hotmail.com
To: iain.brown@financial-ombudsman.org.uk
Subject: RE: Your complaint about our service
Date: Fri, 19 Feb 2016 16:48:23 +0000

Your final decision means nothing to me when you don't do the job you have be paid to do I gave you the list of transaction that TSB did a reverse transaction on as you accused my son of fraud without any evidence I now expect you to do what you should have done in the first place and use the list to prove one way or another to find out who was in the wrong because it's clear your wearing blinker by refusing to take all the evidence you seem to think that looking at a few sheets of paper the bank give you and not looking at a source of evidence I have supplied means you are doing a good job no it does't it means you are corrupt because you lazy, you are not above the law and I will take you to court if you mess this up I have attached the list again so do your job.      


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Fri, 19 Feb 2016 16:05:55 +0000
Dear Mrs McHale

Thank you for your patience while I’ve been looking into your concerns about how we’ve handled your case.

In your email to Caroline Wayman you’ve said that you don’t think we’ve handled your case impartially and you want your case passed to someone more honest.

The role of the adjudicator is to consider both sides of the story and look at the evidence provided by both yourself and the financial business before coming to a fair and impartial outcome. I’ve had a chance to review your file and I’m satisfied that Kuldeep has followed our usual process with your case. In every case we look at, if either the consumer or the business disagree with the outcome that is reached, then you can ask that the case is sent to an ombudsman to review the file and give our final decision on your case. The ombudsman will look again at the whole file and independently review the case before coming to their decision. I’ve attached a factsheet which explains what a final decision means.

As it’s clear that you disagree with Kuldeep’s view on your case then I think the best way to proceed is to pass the case to an ombudsman. I’ve asked Kuldeep to contact the business to see if they have anything further to add for the ombudsman to consider. I’d also like to ask that if you have anything further you’d like to add that you send this to either myself or Kuldeep by Wednesday  24th February 2016 so we can add it to your file. If you would like to add anything but don’t think you can get this to me by that date then please let me know. I have added your latest email to your file which includes the seller information contact details.

If you have any questions about any of the above please don’t hesitate to get back in touch.

Yours sincerely

Iain Brown 
 Tmch Pollok


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20/02/2016
To: Brown, Iain

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I have contacted a few of the trader who made the refunds and they said that they never received this money back from the TSB if that is true were is the money how do I know it's not in this bank managers pocket and she is paying certain people off, 

Do you see what can happen when people jump to conclusion everyone looks guilty how do you like it so fine out were the money has went to..   


M McHale




From: tmch54@hotmail.com
To: iain.brown@financial-ombudsman.org.uk
Subject: RE: Your complaint about our service
Date: Fri, 19 Feb 2016 16:48:23 +0000

Your final decision means nothing to me when you don't do the job you have be paid to do I gave you the list of transaction that TSB did a reverse transaction on as you accused my son of fraud without any evidence I now expect you to do what you should have done in the first place and use the list to prove one way or another to find out who was in the wrong because it's clear your wearing blinker by refusing to take all the evidence you seem to think that looking at a few sheets of paper the bank give you and not looking at a source of evidence I have supplied means you are doing a good job no it does't it means you are corrupt because you lazy, you are not above the law and I will take you to court if you mess this up I have attached the list again so do your job.      


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Fri, 19 Feb 2016 16:05:55 +0000
Dear Mrs McHale

Thank you for your patience while I’ve been looking into your concerns about how we’ve handled your case.

In your email to Caroline Wayman you’ve said that you don’t think we’ve handled your case impartially and you want your case passed to someone more honest.

The role of the adjudicator is to consider both sides of the story and look at the evidence provided by both yourself and the financial business before coming to a fair and impartial outcome. I’ve had a chance to review your file and I’m satisfied that Kuldeep has followed our usual process with your case. In every case we look at, if either the consumer or the business disagree with the outcome that is reached, then you can ask that the case is sent to an ombudsman to review the file and give our final decision on your case. The ombudsman will look again at the whole file and independently review the case before coming to their decision. I’ve attached a factsheet which explains what a final decision means.

As it’s clear that you disagree with Kuldeep’s view on your case then I think the best way to proceed is to pass the case to an ombudsman. I’ve asked Kuldeep to contact the business to see if they have anything further to add for the ombudsman to consider. I’d also like to ask that if you have anything further you’d like to add that you send this to either myself or Kuldeep by Wednesday  24th February 2016 so we can add it to your file. If you would like to add anything but don’t think you can get this to me by that date then please let me know. I have added your latest email to your file which includes the seller information contact details.

If you have any questions about any of the above please don’t hesitate to get back in touch.

Yours sincerely

Iain Brown


Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR

Tmch Pollok


Description: ttachment

19/02/2016
To: Brown, Iain

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Your final decision means nothing to me when you don't do the job you have be paid to do I gave you the list of transaction that TSB did a reverse transaction on as you accused my son of fraud without any evidence I now expect you to do what you should have done in the first place and use the list to prove one way or another to find out who was in the wrong because it's clear your wearing blinker by refusing to take all the evidence you seem to think that looking at a few sheets of paper the bank give you and not looking at a source of evidence I have supplied means you are doing a good job no it does't it means you are corrupt because you lazy, you are not above the law and I will take you to court if you mess this up I have attached the list again so do your job.      


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Fri, 19 Feb 2016 16:05:55 +0000
Dear Mrs McHale

Thank you for your patience while I’ve been looking into your concerns about how we’ve handled your case.

In your email to Caroline Wayman you’ve said that you don’t think we’ve handled your case impartially and you want your case passed to someone more honest.

The role of the adjudicator is to consider both sides of the story and look at the evidence provided by both yourself and the financial business before coming to a fair and impartial outcome. I’ve had a chance to review your file and I’m satisfied that Kuldeep has followed our usual process with your case. In every case we look at, if either the consumer or the business disagree with the outcome that is reached, then you can ask that the case is sent to an ombudsman to review the file and give our final decision on your case. The ombudsman will look again at the whole file and independently review the case before coming to their decision. I’ve attached a factsheet which explains what a final decision means.

As it’s clear that you disagree with Kuldeep’s view on your case then I think the best way to proceed is to pass the case to an ombudsman. I’ve asked Kuldeep to contact the business to see if they have anything further to add for the ombudsman to consider. I’d also like to ask that if you have anything further you’d like to add that you send this to either myself or Kuldeep by Wednesday  24th February 2016 so we can add it to your file. If you would like to add anything but don’t think you can get this to me by that date then please let me know. I have added your latest email to your file which includes the seller information contact details.

If you have any questions about any of the above please don’t hesitate to get back in touch.

Yours sincerely

Iain Brown


Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
 Tmch Pollok


19/02/2016
To: Brown, Iain

Description: https://a.gfx.ms/ic/bluemanmxl.png

Your final decision means nothing to me when you don't do the job you have be paid to do I gave you the list of transaction that TSB did a reverse transaction on as you accused my son of fraud without any evidence I now expect you to do what you should have done in the first place and use the list to prove one way or another to find out who was in the wrong because it's clear your wearing blinker by refusing to take all the evidence you seem to think that looking at a few sheets of paper the bank give you and not looking at a source of evidence I have supplied means you are doing a good job no it does't it means you are corrupt because you lazy, you are not above the law and I will take you to court if you mess this up I have attached the list again so do your job.      


M McHale




From: Iain.Brown@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about our service
Date: Fri, 19 Feb 2016 16:05:55 +0000
Dear Mrs McHale

Thank you for your patience while I’ve been looking into your concerns about how we’ve handled your case.

In your email to Caroline Wayman you’ve said that you don’t think we’ve handled your case impartially and you want your case passed to someone more honest.

The role of the adjudicator is to consider both sides of the story and look at the evidence provided by both yourself and the financial business before coming to a fair and impartial outcome. I’ve had a chance to review your file and I’m satisfied that Kuldeep has followed our usual process with your case. In every case we look at, if either the consumer or the business disagree with the outcome that is reached, then you can ask that the case is sent to an ombudsman to review the file and give our final decision on your case. The ombudsman will look again at the whole file and independently review the case before coming to their decision. I’ve attached a factsheet which explains what a final decision means.

As it’s clear that you disagree with Kuldeep’s view on your case then I think the best way to proceed is to pass the case to an ombudsman. I’ve asked Kuldeep to contact the business to see if they have anything further to add for the ombudsman to consider. I’d also like to ask that if you have anything further you’d like to add that you send this to either myself or Kuldeep by Wednesday  24th February 2016 so we can add it to your file. If you would like to add anything but don’t think you can get this to me by that date then please let me know. I have added your latest email to your file which includes the seller information contact details.

If you have any questions about any of the above please don’t hesitate to get back in touch.

Yours sincerely

Iain Brown


Iain Brown | team manager | Financial Ombudsman Service | Tel 020 3222 9704 | Fax 020 3222 9705
The Financial Ombudsman Service, Exchange Tower, London, E14 9SR
 Tmch Pollok


11/02/2016

To: Jethwa, Kuldeep

Description: https://a.gfx.ms/ic/bluemanmxl.png

Dear Mr or Ms: Jethwa

Thomas McHale did not admit to opening the account without me know I was the one who opening the account he was only used the account to buy from eBay with my permission because I was giving him half the money for the purchases for half the profit, as I said TSB are lying about him admitting that he opened the account and I was there as was my other son so unless your are saying you believe them over the three of us then you will have to look at your impartiality what was said about the account was from a question from them when they asked if he was buying from the internet using the account he said he was and they said the account could not be used for business purposes but no money was going into account from any sales so it was not being used for business, if you think something illegal was being done then show me the proof it is not illegal to return unwanted goods or to claim for items not delivered and getting a refund so unless you have this proof I would advise you to be careful you will find yourself being sued,

As for the abusive emails my son did not compose all of them and they made lies about them as well when they said he called Pester a jew this a lie what said in one email quote are you a jew that is a question not abuse but apart from that what has it to do with you your job is to regulate the banks not the internet so I believe TSB is taking you as a patsy and maybe using your religion persuasion against me if this is the case I want someone else to handle my complaint because I want my money back every penny they can take my money and make it disappear I mean are you the full shilling, 

So show me the proof in black white and not just in hearsay I'm entitled to my money so do your job or hand it on to someone honest that is me saying this and not one off my family.

M McHale



From: Kuldeep.Jethwa@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about TSB Bank Plc ('TSB') (Our ref: 17673480)
Date: Thu, 11 Feb 2016 18:37:43 +0000
Dear Mrs McHale

I hope you’re well.

I’m emailing to update you about my investigation into your complaint.

I’m afraid that, based on what I’ve seen, I think TSB have dealt with your complaint fairly.

I understand the outcome may be disappointing for you – I’ve reviewed all the information available to me, and can assure you the case has been looked into thoroughly.

I’ve attached my findings above which explains my opinion, and the reasons why I’ve not agreed with your position on this complaint. I’ve also sent you a copy by post.

I appreciate you may have questions regarding the outcome – If you like, I’d be happy to discuss my findings with you via telephone so I can help address any concerns you may have. I understand your preferred method of contact is email, however, if you’d like to proceed with the call, I’d be happy to try arrange a time that suits you best.

Lastly, whilst I appreciate the outcome is not what you hoped for, I wanted to thank you for your patience whilst I’ve been investigating your complaint.

Yours sincerely
Kuldeep Jethwa l Case Adjudicator 
Financial Ombudsman Service
Phone: 0203 716 9978 Fax: 0203 716 9979
Email: Kuldeep.Jethwa@financial-ombudsman.org.uk
Office: Exchange Tower, London E14 9SR
P  Please consider the environment before printing this e-mail
 Tmch Pollok


11/01/2016

To: Paul.Pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

Where my money you thieving bastard do you think you will get with stealing your customers money  


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Sat, 9 Jan 2016 19:34:09 +0000
Dear Mr Crook 

As my complaint is now with the financial ombudsman about your illegal actions I request you keep your thieving hands off my account and stop stealing money from if until they have investigated your actions.


M McHale 








From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 21:28:11 +0000
Check out the attachments and see how you have fuck up asshole. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 18:10:27 +0000


How gave you permission to take money from my account put it back or prove you had the right to do it you stupid fascist fuck I have already made a complaint about you bank you fascist little fuck. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 11:17:20 +0000
I need answer to my email.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 09:28:58 +0000
Can you confirm if this susan person will keep the appointment tomorrow as I need this matter sorted out as I need access to money that's in the account as my daughter has just passed away in Southern General Hospital this morning ward 5D incase you want to check so I need access to the money to cover some of the funeral expenses.


M McHale     


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 06:25:36 +0000
Dear Don

I have Just received a letter from a halfwit called pester who said they had block my account and a new debit card would be issued so send this susan person out to my house to hand it to myself and make sure she turns up this time and she will not have any difficulties in speaking to me if she fails to I will take appropriate action against you fascist thugs I have set aside appointment of 2pm 7th December for it, if this is not suitable call 01418838272 to make a more suitable one.

M McHale.





From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:28:40 +0000


I'm still being harass by your employee she phoned my home on Monday demanding to speak to me my son took the call but I was asleep so he told her this so she said she would be coming out on Tuesday and asked for the best time to call my son said 2pm I was worried all night wondering what this was all about and had a bad night because of it then but on Tuesday she fails to turn up or call to cancel and I'm still in dark as to what this woman has against me does she get a bonus for turning down chargebacks requests whatever it is I'm considering taking legal action against TSB.



From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:10:30 +0000



From: tmch54@hotmail.com
To: paul.pester@tsb.co.uk
Subject: Crooked Bank Manager
Date: Sat, 12 Dec 2015 16:51:56 +0000
I'm a 86 year old housebound pensioner and I'm being harness by a bank manager because I asked for a chargeback and I complained about the bank not replying to letters I have attached copies to this email.  


M McHale


Tmch Pollok


11/01/2016
To: ombudsman Cc: paul.pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

When are you going to stop TSB stealing money from my account I don't know where my money is going what sort of fascist country are we living in where a bank manager can steal from a customer and nobody cares do something.

M McHale 






From: tmch54@hotmail.com
To: customer.contact@financial-ombudsman.org.uk
CC: paul.pester@tsb.co.uk
Subject: RE: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Fri, 8 Jan 2016 21:41:56 +0000
Please consider this email as part of my evidence of the harassment I have been getting from my bank as you will see from the transaction listed below the first three transaction is for items I return to the seller, which I have a receipt and tracking information for which I have supplied copy of, The fourth is a good will payment from the seller because of a problem with an order, the idiot at my branch no idea what she is doing redebit it back to the seller without contacting me about it which is in my illegal and maybe fraud because we don't know if it did go back to the sellers or into a special account,   
I want this matter sorted the bank are acting like fascist thugs, I need something done about this before they do anymore harm, they cut me off from my money knowing I need it for my daughters funeral.  


Description      Type [?]                                                    In (£)           Out (£)      Balance (£)                                                  

08 Jan 16                  TSB REDEBIT 08/01   PAY                                  149.99                    579.95

Transaction One

Disputed Amount:  
£149.99 GBP
Not as described:   
301661198609 - ECOO E04 5.5" Android Smartphone Mobile Dual SIM Octa Core 3GB RAM 16GB 3G & 4G
Buyer reason(s):
Missing Parts
Status
Your claim has been resolved and you'll receive a £149.99 GBP refund.

What happens next

Please allow up to 7 days for the refund to appear in your account. Once the refund is complete, the case will be closed.

Transaction Two

08 Jan 16                  TSB REDEBIT 07/01     PAY                   37.40                          729.94
Hello Mary,                                                                                                                                             The seller accepted your return of U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC, and refunded you £37.40. It should be available in your PayPal account.           
U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC                    Return ID:      5021416909                                                                                                                 Seller ID:         tradezone-uk                                                                                                              Return quantity: 4
Transaction Three 

08 Jan 16                  TSB REDEBIT 07/01     PAY                     9.35                          767.34
Hello Mary,                                                                                                                                          The seller accepted your return of U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC, and refunded you £9.35. It should be available in your PayPal account.       U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC
Return ID:      5021416946
Seller ID:       tradezone-uk
Return quantity:           1


Transaction Four

08 Jan 16                  TSB REDEBIT 05/01     PAY                   10.00                          776.69

Thanks so much for your custom!
We are pleased to help you.
 
1.We have refunded you the money, transaction ID:4PM486064R380050Y, please have a check.
2.We are now contacting the logistic to solve the delivery problem, if you receive the package later, please feel free contact us, if
you still want it, we will give you big discount, is that fine for you?
 
Waiting for your early reply so we can proceed to help you.


M McHale




From: tmch54@hotmail.com
To: customer.contact@financial-ombudsman.org.uk
CC: paul.pester@tsb.co.uk
Subject: RE: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Fri, 8 Jan 2016 19:04:23 +0000
Dear Sir or Madam

Further to my complaint it's TSB Bank plc and not Lloyds Bank PLC as you have in your subject line in the email you sent me, The bank has now took money from my account without my permission or gave any reason as to why, the transaction are to do with item I return to the seller and I have receipt for them can those crooks plunder my account without a word to me so I could put my side of the matter I need something done about those fascist thugs before they do anymore harm they cut me off from my money knowing I need it for my daughters funeral.  

M McHale 




From: customer.contact@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Thu, 7 Jan 2016 10:44:32 +0000
Dear Mrs McHale

Thank you for contacting the ombudsman. We’ll look carefully into everything you’ve sent us – and will get back to you within the next two weeks to let you know how we can help.

If we need anything else from you, we’ll be in touch – and if you want to send us any other information in the meantime, please use our reference 17673480.
                                                                                                                                                                                                                                                                                 
Yours sincerely


Michael Sears
Administrator (Customer help)

Telephone          0800 0 234 567
Email                     complaint.info@financial-ombudsman.org.uk
Tmch Pollok


09/01/2016

To: Paul.Pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

Dear Mr Crook 

As my complaint is now with the financial ombudsman about your illegal actions I request you keep your thieving hands off my account and stop stealing money from if until they have investigated your actions.


M McHale 








From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 21:28:11 +0000
Check out the attachments and see how you have fuck up asshole. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 18:10:27 +0000


How gave you permission to take money from my account put it back or prove you had the right to do it you stupid fascist fuck I have already made a complaint about you bank you fascist little fuck. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 11:17:20 +0000
I need answer to my email.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 09:28:58 +0000
Can you confirm if this susan person will keep the appointment tomorrow as I need this matter sorted out as I need access to money that's in the account as my daughter has just passed away in Southern General Hospital this morning ward 5D incase you want to check so I need access to the money to cover some of the funeral expenses.


M McHale     


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 06:25:36 +0000
Dear Don

I have Just received a letter from a halfwit called pester who said they had block my account and a new debit card would be issued so send this susan person out to my house to hand it to myself and make sure she turns up this time and she will not have any difficulties in speaking to me if she fails to I will take appropriate action against you fascist thugs I have set aside appointment of 2pm 7th December for it, if this is not suitable call 01418838272 to make a more suitable one.

M McHale.





From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:28:40 +0000


I'm still being harass by your employee she phoned my home on Monday demanding to speak to me my son took the call but I was asleep so he told her this so she said she would be coming out on Tuesday and asked for the best time to call my son said 2pm I was worried all night wondering what this was all about and had a bad night because of it then but on Tuesday she fails to turn up or call to cancel and I'm still in dark as to what this woman has against me does she get a bonus for turning down chargebacks requests whatever it is I'm considering taking legal action against TSB.



From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:10:30 +0000



From: tmch54@hotmail.com
To: paul.pester@tsb.co.uk
Subject: Crooked Bank Manager
Date: Sat, 12 Dec 2015 16:51:56 +0000
I'm a 86 year old housebound pensioner and I'm being harness by a bank manager because I asked for a chargeback and I complained about the bank not replying to letters I have attached copies to this email.  


M McHale


Tmch Pollok


09/01/2016
To: Charlotte.Sjoberg@tsb.co.uk Cc: Roy.Beale@tsb.co.uk, Gillian.Slater@tsb.co.uk, Risha.Parmar@tsb.co.uk, Anthony.Hua@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

How is that subject for a newspaper headline.


From: tmch54@hotmail.com
To: customer.contact@financial-ombudsman.org.uk
CC: paul.pester@tsb.co.uk
Subject: RE: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Fri, 8 Jan 2016 21:41:56 +0000
Please consider this email as part of my evidence of the harassment I have been getting from my bank as you will see from the transaction listed below the first three transaction is for items I return to the seller, which I have a receipt and tracking information for which I have supplied copy of, The fourth is a good will payment from the seller because of a problem with an order, the idiot at my branch no idea what she is doing redebit it back to the seller without contacting me about it which is in my illegal and maybe fraud because we don't know if it did go back to the sellers or into a special account,   
I want this matter sorted the bank are acting like fascist thugs, I need something done about this before they do anymore harm, they cut me off from my money knowing I need it for my daughters funeral.  


Description      Type [?]                                                    In (£)           Out (£)      Balance (£)                                                  

08 Jan 16                  TSB REDEBIT 08/01   PAY                                  149.99                    579.95

Transaction One

Disputed Amount:  
£149.99 GBP
Not as described:   
301661198609 - ECOO E04 5.5" Android Smartphone Mobile Dual SIM Octa Core 3GB RAM 16GB 3G & 4G
Buyer reason(s):
Missing Parts
Status
Your claim has been resolved and you'll receive a £149.99 GBP refund.

What happens next

Please allow up to 7 days for the refund to appear in your account. Once the refund is complete, the case will be closed.

Transaction Two

08 Jan 16                  TSB REDEBIT 07/01     PAY                   37.40                          729.94
Hello Mary,                                                                                                                                             The seller accepted your return of U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC, and refunded you £37.40. It should be available in your PayPal account.           
U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC                    Return ID:      5021416909                                                                                                                 Seller ID:         tradezone-uk                                                                                                              Return quantity: 4
Transaction Three 

08 Jan 16                  TSB REDEBIT 07/01     PAY                     9.35                          767.34
Hello Mary,                                                                                                                                          The seller accepted your return of U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC, and refunded you £9.35. It should be available in your PayPal account.       U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC
Return ID:      5021416946
Seller ID:       tradezone-uk
Return quantity:           1


Transaction Four

08 Jan 16                  TSB REDEBIT 05/01     PAY                   10.00                          776.69

Thanks so much for your custom!
We are pleased to help you.
 
1.We have refunded you the money, transaction ID:4PM486064R380050Y, please have a check.
2.We are now contacting the logistic to solve the delivery problem, if you receive the package later, please feel free contact us, if
you still want it, we will give you big discount, is that fine for you?
 
Waiting for your early reply so we can proceed to help you.


M McHale




From: tmch54@hotmail.com
To: customer.contact@financial-ombudsman.org.uk
CC: paul.pester@tsb.co.uk
Subject: RE: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Fri, 8 Jan 2016 19:04:23 +0000
Dear Sir or Madam

Further to my complaint it's TSB Bank plc and not Lloyds Bank PLC as you have in your subject line in the email you sent me, The bank has now took money from my account without my permission or gave any reason as to why, the transaction are to do with item I return to the seller and I have receipt for them can those crooks plunder my account without a word to me so I could put my side of the matter I need something done about those fascist thugs before they do anymore harm they cut me off from my money knowing I need it for my daughters funeral.  

M McHale 




From: customer.contact@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Thu, 7 Jan 2016 10:44:32 +0000

Dear Mrs McHale

Thank you for contacting the ombudsman. We’ll look carefully into everything you’ve sent us – and will get back to you within the next two weeks to let you know how we can help.

If we need anything else from you, we’ll be in touch – and if you want to send us any other information in the meantime, please use our reference 17673480.
                                                                                                                                                                                                                                                                                 
Yours sincerely


Michael Sears
Administrator (Customer help)

Telephone          0800 0 234 567
Email                     complaint.info@financial-ombudsman.org.uk
Tmch Pollok


Description: ttachment

08/01/2016
To: ombudsman Cc: paul.pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

Outlook.com Active ViewDescription: https://dub119.mail.live.com/ol/clear.gif

1 attachment (5.9 MB)
Description: lick for Options
CCI080120T.S.B.16.pdf
Description: https://dub119.mail.live.com/ol/clear.gif
·        
·        
·        
·        
·        
Please consider this email as part of my evidence of the harassment I have been getting from my bank as you will see from the transaction listed below the first three transaction is for items I return to the seller, which I have a receipt and tracking information for which I have supplied copy of, The fourth is a good will payment from the seller because of a problem with an order, the idiot at my branch no idea what she is doing redebit it back to the seller without contacting me about it which is in my illegal and maybe fraud because we don't know if it did go back to the sellers or into a special account,   
I want this matter sorted the bank are acting like fascist thugs, I need something done about this before they do anymore harm, they cut me off from my money knowing I need it for my daughters funeral.  


Description      Type [?]                                                    In (£)           Out (£)      Balance (£)                                                  

08 Jan 16                  TSB REDEBIT 08/01   PAY                                  149.99                    579.95

Transaction One

Disputed Amount:  
£149.99 GBP
Not as described:   
301661198609 - ECOO E04 5.5" Android Smartphone Mobile Dual SIM Octa Core 3GB RAM 16GB 3G & 4G
Buyer reason(s):
Missing Parts
Status
Your claim has been resolved and you'll receive a £149.99 GBP refund.

What happens next

Please allow up to 7 days for the refund to appear in your account. Once the refund is complete, the case will be closed.

Transaction Two

08 Jan 16                  TSB REDEBIT 07/01     PAY                   37.40                          729.94
Hello Mary,                                                                                                                                             The seller accepted your return of U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC, and refunded you £37.40. It should be available in your PayPal account.           
U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC                    Return ID:      5021416909                                                                                                                 Seller ID:         tradezone-uk                                                                                                              Return quantity: 4
Transaction Three 

08 Jan 16                  TSB REDEBIT 07/01     PAY                     9.35                          767.34
Hello Mary,                                                                                                                                          The seller accepted your return of U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC, and refunded you £9.35. It should be available in your PayPal account.       U8 Bluetooth Smart Wrist Watch Phone Mate For Android & iPhone Samsung Sony HTC
Return ID:      5021416946
Seller ID:       tradezone-uk
Return quantity:           1


Transaction Four

08 Jan 16                  TSB REDEBIT 05/01     PAY                   10.00                          776.69

Thanks so much for your custom!
We are pleased to help you.
 
1.We have refunded you the money, transaction ID:4PM486064R380050Y, please have a check.
2.We are now contacting the logistic to solve the delivery problem, if you receive the package later, please feel free contact us, if
you still want it, we will give you big discount, is that fine for you?
 
Waiting for your early reply so we can proceed to help you.


M McHale




From: tmch54@hotmail.com
To: customer.contact@financial-ombudsman.org.uk
CC: paul.pester@tsb.co.uk
Subject: RE: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Fri, 8 Jan 2016 19:04:23 +0000
Dear Sir or Madam

Further to my complaint it's TSB Bank plc and not Lloyds Bank PLC as you have in your subject line in the email you sent me, The bank has now took money from my account without my permission or gave any reason as to why, the transaction are to do with item I return to the seller and I have receipt for them can those crooks plunder my account without a word to me so I could put my side of the matter I need something done about those fascist thugs before they do anymore harm they cut me off from my money knowing I need it for my daughters funeral.  

M McHale 




From: customer.contact@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Thu, 7 Jan 2016 10:44:32 +0000
Dear Mrs McHale

Thank you for contacting the ombudsman. We’ll look carefully into everything you’ve sent us – and will get back to you within the next two weeks to let you know how we can help.

If we need anything else from you, we’ll be in touch – and if you want to send us any other information in the meantime, please use our reference 17673480.
                                                                                                                                                                                                                                                                                 
Tmch Pollok


Description: ttachment

08/01/2016
To: Paul.Pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

Outlook.com Active ViewDescription: https://dub119.mail.live.com/ol/clear.gif

2 attachments (total 6.0 MB)
Description: lick for Options
CHARGEBACK TSB 08-01-2016.docx
Description: lick for Options
CCI080120T.S.B.16.pdf
Description: https://dub119.mail.live.com/ol/clear.gif
·        
·        
·        
·        
·        
Check out the attachments and see how you have fuck up asshole. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Fri, 8 Jan 2016 18:10:27 +0000


How gave you permission to take money from my account put it back or prove you had the right to do it you stupid fascist fuck I have already made a complaint about you bank you fascist little fuck. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 11:17:20 +0000
I need answer to my email.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 09:28:58 +0000
Can you confirm if this susan person will keep the appointment tomorrow as I need this matter sorted out as I need access to money that's in the account as my daughter has just passed away in Southern General Hospital this morning ward 5D incase you want to check so I need access to the money to cover some of the funeral expenses.


M McHale     


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 06:25:36 +0000
Dear Don

I have Just received a letter from a halfwit called pester who said they had block my account and a new debit card would be issued so send this susan person out to my house to hand it to myself and make sure she turns up this time and she will not have any difficulties in speaking to me if she fails to I will take appropriate action against you fascist thugs I have set aside appointment of 2pm 7th December for it, if this is not suitable call 01418838272 to make a more suitable one.

M McHale.





From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:28:40 +0000


I'm still being harass by your employee she phoned my home on Monday demanding to speak to me my son took the call but I was asleep so he told her this so she said she would be coming out on Tuesday and asked for the best time to call my son said 2pm I was worried all night wondering what this was all about and had a bad night because of it then but on Tuesday she fails to turn up or call to cancel and I'm still in dark as to what this woman has against me does she get a bonus for turning down chargebacks requests whatever it is I'm considering taking legal action against TSB.



From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:10:30 +0000



From: tmch54@hotmail.com
To: paul.pester@tsb.co.uk
Subject: Crooked Bank Manager
Date: Sat, 12 Dec 2015 16:51:56 +0000
I'm a 86 year old housebound pensioner and I'm being harness by a bank manager because I asked for a chargeback and I complained about the bank not replying to letters I have attached copies to this email.  


M McHale

Tmch Pollok


08/01/2016
To: ombudsman Cc: paul.pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

Dear Sir or Madam

Further to my complaint it's TSB Bank plc and not Lloyds Bank PLC as you have in your subject line in the email you sent me, The bank has now took money from my account without my permission or gave any reason as to why, the transaction are to do with item I return to the seller and I have receipt for them can those crooks plunder my account without a word to me so I could put my side of the matter I need something done about those fascist thugs before they do anymore harm they cut me off from my money knowing I need it for my daughters funeral.  

M McHale 




From: customer.contact@financial-ombudsman.org.uk
To: tmch54@hotmail.com
Subject: Your complaint about Lloyds Bank PLC (Our ref: 17673480)
Date: Thu, 7 Jan 2016 10:44:32 +0000
Dear Mrs McHale

Thank you for contacting the ombudsman. We’ll look carefully into everything you’ve sent us – and will get back to you within the next two weeks to let you know how we can help.

If we need anything else from you, we’ll be in touch – and if you want to send us any other information in the meantime, please use our reference 17673480.
                                                                                                                                                                                                                                                                                 
Yours sincerely


Michael Sears
Administrator (Customer help)

Telephone          0800 0 234 567
Email                     complaint.info@financial-ombudsman.org.uk
Tmch Pollok


08/01/2016

To: Paul.Pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

How gave you permission to take money from my account put it back or prove you had the right to do it you stupid fascist fuck I have already made a complaint about you bank you fascist little fuck. 


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 11:17:20 +0000
I need answer to my email.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 09:28:58 +0000
Can you confirm if this susan person will keep the appointment tomorrow as I need this matter sorted out as I need access to money that's in the account as my daughter has just passed away in Southern General Hospital this morning ward 5D incase you want to check so I need access to the money to cover some of the funeral expenses.


M McHale     


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 06:25:36 +0000
Dear Don

I have Just received a letter from a halfwit called pester who said they had block my account and a new debit card would be issued so send this susan person out to my house to hand it to myself and make sure she turns up this time and she will not have any difficulties in speaking to me if she fails to I will take appropriate action against you fascist thugs I have set aside appointment of 2pm 7th December for it, if this is not suitable call 01418838272 to make a more suitable one.

M McHale.





From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:28:40 +0000


I'm still being harass by your employee she phoned my home on Monday demanding to speak to me my son took the call but I was asleep so he told her this so she said she would be coming out on Tuesday and asked for the best time to call my son said 2pm I was worried all night wondering what this was all about and had a bad night because of it then but on Tuesday she fails to turn up or call to cancel and I'm still in dark as to what this woman has against me does she get a bonus for turning down chargebacks requests whatever it is I'm considering taking legal action against TSB.



From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:10:30 +0000



From: tmch54@hotmail.com
To: paul.pester@tsb.co.uk
Subject: Crooked Bank Manager
Date: Sat, 12 Dec 2015 16:51:56 +0000
I'm a 86 year old housebound pensioner and I'm being harness by a bank manager because I asked for a chargeback and I complained about the bank not replying to letters I have attached copies to this email.  


M McHale
Crooked Bank Manager
Description: https://dub119.mail.live.com/ol/clear.gifDescription: https://dub119.mail.live.com/ol/clear.gifDescription: https://dub119.mail.live.com/ol/clear.gifDescription: https://dub119.mail.live.com/ol/clear.gif
RE: Crooked Bank Manager
Tmch Pollok


06/01/2016

To: Paul.Pester@tsb.co.uk

Description: https://a.gfx.ms/ic/bluemanmxl.png

I need answer to my email.


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 09:28:58 +0000
Can you confirm if this susan person will keep the appointment tomorrow as I need this matter sorted out as I need access to money that's in the account as my daughter has just passed away in Southern General Hospital this morning ward 5D incase you want to check so I need access to the money to cover some of the funeral expenses.


M McHale     


From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 6 Jan 2016 06:25:36 +0000
Dear Don

I have Just received a letter from a halfwit called pester who said they had block my account and a new debit card would be issued so send this susan person out to my house to hand it to myself and make sure she turns up this time and she will not have any difficulties in speaking to me if she fails to I will take appropriate action against you fascist thugs I have set aside appointment of 2pm 7th December for it, if this is not suitable call 01418838272 to make a more suitable one.

M McHale.





From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:28:40 +0000


I'm still being harass by your employee she phoned my home on Monday demanding to speak to me my son took the call but I was asleep so he told her this so she said she would be coming out on Tuesday and asked for the best time to call my son said 2pm I was worried all night wondering what this was all about and had a bad night because of it then but on Tuesday she fails to turn up or call to cancel and I'm still in dark as to what this woman has against me does she get a bonus for turning down chargebacks requests whatever it is I'm considering taking legal action against TSB.



From: mmch1929@outlook.com
To: paul.pester@tsb.co.uk
Subject: RE: Crooked Bank Manager
Date: Wed, 16 Dec 2015 13:10:30 +0000



From: tmch54@hotmail.com
To: paul.pester@tsb.co.uk
Subject: Crooked Bank Manager
Date: Sat, 12 Dec 2015 16:51:56 +0000
I'm a 86 year old housebound pensioner and I'm being harness by a bank manager because I asked for a chargeback and I complained about the bank not replying to letters I have attached copies to this email.  


M McHale