Banks are in the news again they have been playing fast and loose with our money. Who knew? Well, yep, we all did. An enquiry looms.

I am sure this resonates with Nigel Dowdney, who runs Earlham Shopper in Norwich. He is trying to claw back a couple of missing cheques and a tiny amount of compensation for the hours spent pursuing the missing paid-ins for which he has proof by way of receipts.

On two separate occasions Nigel paid two cheques for £20 and £21.99 into his local post office. Neither was credited and when he reported them, Nigel was given a case number for each and Santander promised to investigate and get back.

Nigel says: “At no point in time has anyone had the courtesy to get back to us.”

When he phoned for the umpteenth time he was told that “the investigation had been closed due to lack of information”.

He has told the bank that he does not accept this and asks that Santander pays the money due within seven days, along with £25 to cover his costs in trying to sort this out.

Now, in banking terms, 67-odd quid is infinitesimal. Apparently, the several millions the industry was fined over bonuses were deemed ‘a mere drop in the bucket’ so that brings some perspective doesn’t it?

For anyone in a similar situation, the advice is to write to the branch again after the seven days saying: “In the absence of any response from you following my letter of (insert date) I now propose to issue proceedings for the recovery of the debt.” And then do it.

Making a claim isn’t as difficult as you might think (Have a look at Money Claim Online, www.moneyclaim.gov.uk). Small claims court would undoubtedly find in Nigel’s favour and he will get his costs back.

And I would suggest copying the letter to the Financial Ombudsman.

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