YOU MAY ASK: "WHERE IS THE HUMOUR?" AMONGST ALL THESE LETTERS/WRITINGS...WELL I AM A GREAT BELEIVER IN TRANSPARENCY IN THE WAY GOVERNMENT-BODIES/CORPORATIONS DO THEIR BUSINESS SO THAT THERE IS A LEVEL "PLAYING FIELD" FOR ALL THOSE COMPETING IN THE MARKET PLACE...SO THAT INSTITUTIONS WORKING UNDER A VAIL OF SECRECY ARE EXPOSED AND THUS ALLOWING FOR "FAIR COMPETITION" THAT WILL INEVITABLY BREED EXCELENCE...SOME PEOPLE ACCUSE ME OF BEING A "LEFT WING LOONEY" BUT NOTHING CAN BE FURTHER FROM THE TRUTH...I JUST BELEIVE IN HONEST BUSINESS PRACTICES (READ MY BOOK ON BUSENESS ETHICS) AND THOSE WHO FEEL THREATENED BY PEOPLE LIKE ME DO SO BECAUSE THEY REALIZE THEIR DAYS WOULD BE NUMBERED IF THERE WAS "A THOROUGH CLEAN-UP" OF THE SHADY BUSINESS PRACTICES.
I WILL ATTEMPT TO BORE YOU EVEN FURTHER (THAT IS IF YOU ARE STILL WITH ME) WITH YET ANOTHER LETTER TO THE FINANCIAL OMBUDSMAN...I ASSURE YOU IT IS THE VERY LAST ONE AND AFTER THAT THE JOKES WILL BE FLOWING THICK & FAST EVEN IF I HAVE TO EMPLOY A "PROFFESSIONAL COMEDY WRITER"...
Second Addition to Doc. “The_Grand_Rip-Off”.
REPLY TO FINANCAIL OMBUDSMAN’S LETTER: REF. 8055067/MK/D107.
This is a reply to a letter from the Financial Ombudsman (ref: 8055067/MK/D107)…
As far as I am concerned my “complaint” is not with The Governor and Co. of the Bank of Ireland but with Post Office of Great Britain as that is where I deposited my money and by accepting my money it by de facto holds money in my name for which interest is due…I complied to their request for I.D. with both my driving license and my British passport and I gave them my address.
“They” say that they could not accept my money because I gave a C/O address and not a permanent address…very few people on this planet have a permanent address as very few of us stay in the same property (that is assuming that one is not born to abject poverty and by so being homeless for a period of time) from birth to death…so the very concept of a “permanent address” is a misnomer…there is no such thing the fact is that all correspondence from “Them” was to my mother’s address (as I had no other) which I received and responded to…so if one wants to be pedantic I complied to “Their” requests and there has been a breach of contract on “Their” part.
As I deposited my money with the Post Office they are responsible for my money not a third party…and it is quite clear to me why the Post Office deposits British savers money into an Irish Bank…it is because the money will be converted to Euros and the post office hopes to get a better return on their (or our) money on the assumption that the Pound will depreciate against the Euro and in my humble opinion this is not a very patriotic act…they gain from our pain.
It is not my job to tell The Post Office or the Bank of Ireland how to run their business but surely they should not accept depositor’s money until they have checked their bona fide’s which is how banks use to act in the past…it is very convenient for them to do other-wise but very unethical…it should be made quite clear to British Citizens where there money is invested…the Post Office is an institution and a little bit of respect is called for!
With reference to your letter on page 2 you state that I deposited the money (£35K) in the Post Office “on 8 October 2008”…which is quite untrue as the date was: 08/Oct/2007…you also quote the Bank of Ireland (second to last paragraph) that “I did not use a care of address at the time of application”…in fact it was the same address as the one I have used in all my communications with both parties (as I had no other…working as an Itinerant Builder at the time)…with reference to the £35k sent to me from the Bank of Ireland on 14 Dec.07 to my mother’s address…you state in your letter (second to last paragraph) that “I could have made alternative arrangements” which is also untrue as at the time I was travelling to various countries and my bank acc. was in the UK and you assume that I was in one place long enough to receive mail…even if I was I had no place to deposit the cheque while in transit…so I had no alternative but to leave the cheque with my mother until my return to the UK.
You would appear not to be totally impartial in this matter as in your “conclusions” (page 4) you state that “you are unable to recommend that my complaint should be upheld”… I think “They” have a moral and legal obligation and entered into a covenant by accepting my money at the out-set…I acted in good faith and complied with their conditions…they had the benefit of my money and they owe me interest and I think an impartial Court of Law that recognises the law of the land which includes the EU would agree!
In your letter you have made a few false statements that makes one wonder if you are truly competent to make an appraisal about this matter.
I am pursuing this claim not from greed though I could do with the money but in order to bring “to book” unethical and possibly illegal practices and set an example because I know it just tip of a very large ice-berg and should “They” see the light and make the settlement…I would give the money to a charity that promotes ethical business practices…for even The Law has its failings and cannot account for every scenario…so it is the spirit of the law that has to be adhered to especially in these trying times…with the best will in the world the Government cannot legislate quick enough to protect citizens from this Great Tsunami about to hit us and I am referring to impending “Depression”…we will need sympathy and compassion not legislation.
This is my final letter to you regarding this matter…I am a great believer in “transparency” in business and government and shall put in the public domain all correspondence engendered from this matter.
I am your obedient and humble servant…Peter Hugo Mcclure.
PS: FOR THE NEXT EXCITING EPISODE TO THIS SAGA YOU WILL HAVE TO WAIT BUT NOT VERY LONG...