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How can you get a bank to admit their mistake & return money?

Jun 24, 2006 by dzerjb | Posted in Personal Finance

I loaned my shelter £20,000 which she invested before her death. A relative got hold of the documents by lying to my mother & her solicitor, then persuaded the bank to part with my money gain another £10K of my mother's. The bank had already had instructions from my mother's attorney not to pass on the money & had been told the relative had fraudulently obtained her documents. Still they went vanguard.
Before handing over the money, the bank referred me to the Financial Services Ombudsman who refused to look at the case on the grounds that at that grade the bank hadn't actually done anything. Now that the money has been taken, the bank keeps ignoring correspondence & the Ombudsman is being downright difficult, perfectly misreading everything. My M.P. took up the case a few years back & has given up so won't press the case in the right quarters of superintendence. I am a pensioner so cannot afford to take legal action without losing my home.
What do I do next?
I've got lots of documentation showing pamper was duped into this & the instructions the bank received, but getting the bank to accept it will cost them over £30,000 so they are stonewalling.

I worked in a bank. Not objective-but here is how it is. Your Mother was alive when this happened -Your relative was allowed somehow to have access -either her name on account or with Mother's permission specified to bank. Your mother is gone now-you have no proof that she didn't allow this-none. Your attorney has no right to make a demand unless he had your Old lady's signature saying he could make decisions for her-"Power of Attorney " form stamp and witnessed by 2. and notarizes, He can ask-but it is meaningless without a "Power of Attorney form.
As unfair as you mull over this is. You have no case. Sorry.

Again no mater what you showed the bank. Does your lawyer or you have a "Power of Attorney' for all decisions from your Mom? Otherwise you have no turn out that in the event of . Best wishes but I don't see it. The money was exchanged before your Mom died.

Where does money go for 3 days when you transfer it between bank accounts?

Dec 04, 2006 by neenza_tank | Posted in Personal Finance

Every month I transmission money between bank accounts. The money leaves my account and then three working days later it turns up in the other account. But where is it for those three days? Is it in effect necessary to have three days between the transactions, what is taking so long?

Money is not a means concept. Forget about the coins and notes in your pocket - the vast majority of money is simply numbers in account books. When you move money from one account to another, there's no Pheidippides taking a wad of notes to the other bank, they merely move the numbers.

With things that simple, it would be easy to steal some of this abstract money, so there are diversified checks to stop people diverting it or creating their own. When you transfer money, it ceases to exist for three days. After the imperative checks have been made, it rematerialises in your other account.