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Dublin: 14 °C Tuesday 21 May, 2013

In full: Ulster Bank’s letter to customers

CEO Jim Brown has written to all customers to say that reconciliations to accounts will continue over the coming weeks.

Image: Sam Boal / Photocall Ireland

ALMOST FOUR WEEKS since a catastrophic “technical glitch” disrupted its services, Ulster Bank has today said that all of its systems are now running as normal.

However, the bank revealed this afternoon that because of the scale of the incident, the clean up will continue for weeks with a small percentage of outstanding transactions yet to be processed. These will be completed over the “next couple of days”, according to the group.

Ulster Bank added, “There is no doubt that there will be reconciliations to some customer accounts that also need to take place over the coming days and weeks.”

Chief executive Jim Brown sent the following to all customers today:

I’m pleased to inform you that the recent technical difficulties at Ulster Bank have been resolved. For the vast majority of our customers, our services have returned to normal. However, given the scale of this incident, the clean up continues and a small percentage of outstanding transactions are being processed over the next couple of days. There will be further reconciliations to some customer accounts as a result and I’d like to thank you for you for your continued patience.

Of course, I realise you have questions that need to be answered and I want to make sure those answers are delivered promptly and to your complete satisfaction.

Will I be out of pocket?

Absolutely not. Ulster Bank has made a firm commitment that no customer will be out of pocket as a result of this issue. If you have incurred any fees or charges as a result of these technical difficulties, we will provide a full refund. If you are an Ulster Bank customer, you don’t need to do anything as these refunds will be provided automatically. For customers of other banks, we are working closely with your bank to ensure that the same principles apply.

Customers’ out-of-pocket expenses will be refunded, details of how you can claim will be made available shortly.

Will I receive any additional compensation for the disruption?

Given the level of disruption, the recognition of the inconvenience caused to you, our customers, is now of vital importance. To this end, we’ve developed a range of measures that we are discussing with Regulatory bodies, full details of which will be issued shortly.

What about my credit rating. Will that be affected?

Ulster Bank is working closely with all the main credit rating agencies to ensure that none of our customers’ credit ratings will be adversely affected as a result of this incident.

So what went wrong?

The technical issue that caused this unprecedented and unacceptable failure in our IT systems affected the entire RBS Group. The problem was caused when maintenance on IT systems in Edinburgh disrupted the regular processing of overnight transactions. It took time to resolve this problem which, in turn, created a significant backlog so many customers’ account balances were incorrect. The important thing is that this issue has been corrected, although further reconciliation to some customer accounts may need to be carried out over the coming weeks.

What are you doing to make sure it won’t happen again?

RBS and Ulster Bank will carry out a full and detailed investigation into the causes of the problem, overseen by independent experts. We will publish relevant findings from this investigation when they become available.

Once again, I would like to apologise personally to you for this significant disruption in our service.

Thank you.

Jim Brown, Chief Executive, Ulster Bank.

Earlier today: Ulster Bank now showing account balances>

Ulster Bank: petition calls for free banking until 2013>

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Comments (34 Comments)

  • This is just crazy. I find it hard to articulate the rage I have for this bank. I must be one of the “few customers” yet to be sorted. I called them up last week to see what was the story because my account was short 4 weeks pay. I also noticed that 2 weeks pay had been added but it was also obvious that these were duplicate transactions from earlier in the month. The girl in the call centre asked if I tried adding up the 2 weeks pay to see if the total matched what I should get for 4 weeks! She also said her workmates were laughing in disbelief that I was alerting them that I got 2 extra weeks pay and not to worry that everything would be sorted by Monday.
    I wished her well and told her I hoped “magic Monday” went well because it was obvious she was delusional aswell as unable to add.

    Reply
    • Mine was sorted two weeks ago, but all gone Pete Tong again, no wages last week, payments for Credit Cards left my Current Account two Weeks ago but didn’t get to the card yet. Plus some withdrawals are duplicated so if I withdrew €100 it shows twice adn deduces from my balance even though I only received the €100, rang about this and was told an investigation is underway – so this is another issue to be resolved

      Reply
    • I feel your pain!!!! At the end of my tether with them,. All seemed to be coming back on track last week but as of today still missing Salary for last 2 weeks!!!! This bank is a bloody joke!!! And they have spent the last month blatantly lying to their customers!! I dont believe for a second that this will be all sorted even in the next month!!! For once in this corrupt and unbalanced country could someone tell the TRUTH!!! If they had put their hands up and said we really dont know how long this will take to resolve, it may have saved alot of frustration for their customers!! Hopefully they will be held accountable for this debacle, and our government needs to step up and ensure that the British government plays their part in getting to the bottom of the issue in RBS!!!!! But alas, I fear we will be issued with the constant empty promises and no consequences for those involved!! How long before RBS use this debacle to their advantage and withdraw Ulster Bank from the Irish Maket. 176 years ……..

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    • Emmie 16/07/12 #

      Taking your frustrations out on a customer service rep is not going to help anyone. Having been in a similar position working for AIB, I know all too well how tough it can be.

      Yes you’re angry, but I’m pretty sure this girl didn’t cause any of this meltdown. She’s probable dealt with hundreds of very upset people the last few weeks, her brain is probably fried! It is a tough tough job, and knowing every single call is going to be more and more abuse does not help.

      I remember being accused of earning hundreds of thousands of euros just because I was in the bank. Because that was exactly why I was answering phones in a crowed depressing office.

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    • censored 17/07/12 #

      She didn’t cause the meltdown but she had a great laugh making fun of a customer (did you read the comment?)

      Reply
  • I got paid 11 days late last month and guess what! I got the exact same payment in to my account last Saturday. I went in to ulster bank to tell them that they paid me twice. The women behind the counter laughed at me and said sure if they fix it they will take it back and sure if they don’t happy days!! My honesty proved out to make me feel like a fool!!

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  • Goodbye Ulster Bank, it’s been an experience. Unfortunately not a happy one!!!

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  • Direct Debits are being changed without requests from the originator. The fraud department , the branch nor the helpline cannot explain why this is happening . Neither can they guarantee that it wont happen again. One of mine was “mysteriously” changed to bi-monthly thus the occurence of so called “duplicate direct debits”. Ulsterbank insists on blaming the originator despite repeated reassurances that the originator did not change the direct debit. When I contacted Ulsterbank today they said this was the first they had heard this. What other glitches are waiting in the wings.

    Reply
  • He’s writing to me? I doubt that as I’ve been trying to register a change of address with Ulster Bank for nigh on three bloody months now!

    Reply
  • Has anyone ever seen that episode of South Park that lampoons Tony Hayward of BP’s apology for the Gulf oil spill? Every time I hear the apology on the radio, I have visions of Jim Brown, lying on a plush carpet, stroking a puppy, with a roaring log fire in the background, giving me bedroom eyes while saying “Sorry.”

    The money squandered on the media apology campaign would be better spent updating their software and ensuring their customers are sorted asap.

    Reply
  • There are so many things wrong with that letter! But first and foremost it’s a lie! Their system can’t do everything. Up to today they still can’t cancel missing/stolen bank cards and issue new ones. Oh and over the weekend they paid direct debits twice!!!

    Reply
  • It is totally unacceptable what has happened with Ulster Bank. I am still missing a payment to my credit card and nobody called me back as they promised. They have no customer service, never mind a reliable system. Any recommendations to move to another bank welcome ! Another transfer I made also failed and I am out of pocket substantially. This whole thing is a shambles. I don’t believe a word anymore. Best, Susanne

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  • went into my branch last friday as my a/c was showing it was overdrawn was offered an overdraft WITH INTEREST to b paid back at 100e a wk , i refused it saturday morning rechecked acount there was a differance of 500e showing a wage to paid in today monday 16th saturday was 14th plus showed charges and its still in 0 balance , compensation for stress its a wig ill need ready to pull my hair out so fed up mention fed i havent shopped as in food for 3 wks the cuboards are bare depending on family its beyound a joke

    Reply
  • Still a disaster, they are feeding customers bullshit on the web site and from their help line , still no wages from last week in my account fixed my arse, no one really cares either

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  • Still waiting on wages from last week, rang this am to be told account was up to date, of course it was not. I then drove ten miles to my nearest ulster bank only to be told that my account appeared to be fine. They refused to give me my wages saying that the account had money in it and were not allowed to give out money. Drove home and rang the ulster bank to be told that some transactions were still in the system, and that I would have to wait. Its gone beyond a joke now. Initially, informed it would be all sorted by today. I am a mature student,not entitled to the dole, so I am relying on my wages to pay my own way.

    Ulster bank what a joke

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  • I can completely understand from my experience in IT sector that updates from a third party to a system can cause havoc but it’s rare.

    BUT!!!!! The should be second backed up system as redundancy or a restore point created each day for a back up to run smoothly. With a bank it should have multiple layers of safety it’s shocking they don’t.

    Lastly whatever outside company installed the update should have tested the update before installing. Very sloppy from rbs/ulster bank

    Reply
  • Direct debts came out twice, rang over weekend to be told it will be sorted by mon. Not sorted rang bank this morning only to be hung up on, rang back which took am hour to get through again as phone line was busy, to be told it will take a few weeks to sort. Getting annoyed with lies.

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  • It’s absolute bullsh*t. I have customers who are wanting to buy disabled and mobility products which they normally require urgently and have had so many cancellations and interuptions thanks to Ulster Bank! It’s an absolute joke and now hearing its gonna be another few weeks because i am still waiting on the account to update. Im getting seriously worried now……..

    Reply
  • New glitch : @UlsterBank_Help: @castletonian This isn’t something we’re aware of- Direct Debits changed without consent. What next ?????

    Reply
  • Just to clarify, I have filled out the forms to register the change of address more than once. I have emailed, rang & called into my branch more times than I can remember. Still waiting for the address to be changed. Considering what has happened with UB is this really that hard to believe?

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  • I have been paid extra also but I know that the bank will be looking for this money back so I can’t touch it. If or those of you in the same situation, be careful! I’m in America on holidays and living off credit cards as I don’t know who owns what money in my account anymore. I’ll be straight in to my branch when I get home. I have been very patient until now even when I was in the branch an was dealt wih in a very inappropriate was when looking to withdraw my own money! Very annoyed!

    Reply
  • lots of duplicate withdrawls from our account and also direct debits which were previously cancelled appear to have been reinstated grrrrrr

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  • UB still messing up! Myself and my wife both got paid twice this week and the mortgage came out twice. This only happened today! In the process of changing back to Back of Ireland

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  • My account is showing as overdrawn due to duplicate transactions. Called UB twice last week and was told it would be fixed by Monday 16th. It wasn’t fixed. When I tried to call Monday morning, I was hung up on / cut off 3 times and when I did speak to someone she was rude and unhelpful. Called them two more times for updates on Monday and was told it would be fixed by Tuesday morning. Nothing so far though… Absolute JOKE!!!

    Reply
  • Ulster Bank now showing their complete unability to get ‘Back to Normal’ My uncredited payment is almost a month ignored at this stage despite phone calls and letters. Reported now to Ombudsman and Consumers Association. Time to withdraw savings and move elsewhere I think

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  • Glad they went into the ‘why’ a bit. But that maintenance in Edinburgh could cause this sounds pretty terrifyingly amateur. Where were the redundancies? What kind of one-horse operation was/is RBS running on the tech side? Also, isn’t this letter about a month late? I didn’t need apologies and tea and coffee a month ago. I wanted this. And I await the results of the investigation.

    Reply
  • Comments missing again.???.

    Reply

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