London Scottish

[maxwjz]

Hi i am new to all of this,i have had an account with loan company called london scottish ,who have charged me loads over the past 7 years.has anyone had ay dealigs with these? please help.hope this is yhe right forum.
i am soon to send letters for charges to;
capital 1
barclay card

[Seminole]

Hi

Welcome to the forum. I've not come across London Scottish but one of the other members may be able to help. We also have a search facility that allows you to search this forum or the whole site (this is available from the main index page).

Please do have a read through the FAQ section and the other forum materials. There's a lot of information here and it will take a while to become familiar with it. Please post any questions you have here. If you decide that you want to deal with Barclaryard charges, please post a thread in the Barclays topic.

[maxwjz]

Hi i have lookd i the search forum for london scottish but cannot find anything can anyone help???

[maxwjz]

London scottish called today telling me they have recieved my Data Protection Act letter and they were now going to send me all charges and transactions in the past six years.
I did not even send them the £10 charge.

[maxwjz]

I have today sent off my preliminary letter to ask them very kindly if they would refund all the money they have unlawfully charged to my account 280 pounds

I will keep this post updated as to my progress.

wish me luck!

[:Boy:]

Hello,

I used to work for London Scottish in Manchester and Robinson Way (debt collectors) who are also in the same office, as (when I was working there) they were the same company.

Did you have a 'Call 4 Cash' account?, any help, I will be happy to oblige.

Best regards

	Debt collection library Follow this link to our debt collection library. This library contains templates and advice for dealing with debt collectors who act oppressively or unfairly. This library is work in progress and will be built up over the next few weeks. 17.03.09

[maxwjz]

hi David
i did have a call 4 cash account to start off with,then it changed to london scottish.
I have also kindly asked them to remove th default they put o me credit file.

	Credit Report Click link to open in new window.

[maxwjz]

london scottish have contacted me saying,they acknowlegde the complaint and they will contact me no later than 2 weeks.
i have also asked them to remove the defaualt i have now.
i had the th letter from a getleman named karl white.

[Jacqueline07]

Hi - I have just received a reply from London Scottish following my prelim and LBA letters for £568.00 ish (can't remember exact figure - I'm at work) - received a final reply late last week stating t&c you agreed to and basically bog off letter. These charges are for returned direct debits etc from a second charge I had in 2002.

Will start my own thread on this - but will be filling in N1 for this amount next week (near to pay day!).

Will follow your thread with interest as hopefully it should/will mirror my own.

Jacqueline

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

	Are you letting your bank keep your money Are you giving away thousands of pounds?? Many people aren't claiming all of the money they are entitled to when they make their bank charges claims. You have been forced to pay unfair bank charges. Have you forgotten that your bank has charged you inteest on those charges? If you are overdrawn and the bank owes you charges - then your overdraft is made up of charges - money which you bank owes you. Yet you are paying interest to the bank - on your own money!!! Follow this link to see the discussions on this. You might even double th size of your claim.

[maxwjz]

i have not recieved anything from london scottish yet, after sending my prelin letter ,i have now snt a lba on the 18/08/06- lets see what rsponse i get.

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[maxwjz]

today i have recieved a letter from london scottish stating that i agreed to ts and cs, and that they will not refund any money nor will they remove the default.
therefore i shall now file a claim near to pay day (end of month).
will keep posted.

[Bigmac versus]

Good luck

[Jacqueline07]

Hi Maxwjz - have just rang the court and London Scottish have not acknowledged so I have been advised to request judgement. I'm a bit sceptical at the moment but have asked for immediate payment.

Will keep you posted - how are you getting on with yours?

Jackie

[maxwjz]

i am now in a postion to start my claim,however i came across a thread toaday saying that i cannot pursue my claim if i have not sent a list of charges to the bank .which i have not done (now kicking myself).
any help on how i can rectify this,is it as easy as just sending a copy to london scottish,waitin a few days till they recieve it then starting my claim.
help please

[Jacqueline07]

Max - I wouldn't worry too much - have you had a reply at all to your prelim/lba letters? Maybe, if you're worried, send one last letter with a list of the charges on. They will have the information in front of them anyway - I suppose you could just give them another few days to cover yourself. JMHO. Good Luck, Jackie

	Small Claims kit by Lawpack Sue your bank as many times as you like with just one Small Claims kit by Lawpack. Follow this link to read the review. The kit contains everything you need: instruction manual, templates, examples, forms and a comprehensive CDRom. Applies to England and Wales

[maxwjz]

hi jackie,
i have had areply from them stating i agreed to the terms and conditions and basically bogoff.
so i think i will send a list of charges and wait a few days just to be on the safe side,then start my claim.

[Jacqueline07]

Max - I received the same reply and went ahead with the claim anyway. Best of Luck - Jackie

[maxwjz]

thanks jackie
can you tell me what is the difference between a N1 County Court claim form and doing the money claim form.

	County Court guidebook by Judge Patricia Pearl Follow this link to read the review of this excellent Small Claims Guidebook. This comprehensive and very accessible guide will take you through the process of suing or defending a claim. This guide will help you take control of your litigation and make you more confident about doing it yourself. Applies to England and Wales

[Jacqueline07]

Max - none really - the only difference is the N1 you send (post) to the court (with a cheque or postal order or if you go in person, with cash) and the money claim you do online. I did the N1 form (cause I've only an electron card and the court service do not take this debit card). Also using the N1 you have more room for your particulars and you can include a schedule of charges when you send it to the court. If you do the N1 send three copies to the courts, one for them, one to send to LS and one to return to you. I also sent a self-addressed envelope (to be helpful to the court ). There is a template for the N1 on the bank templates. J

[maxwjz]

thanks for jackie.
i'll send off a n1 form think that that will suit me better.