Thinking of getting some money back from BoS

alvinlwh · 29th September 2006, 02:24

Hi all,

I am thinking of checking with BoS on how much they had taken from me, not as much as my ongoing case against NatWest I think, so I may just send off for a Subject Access Request first. I may or may not try to get back my money as I have a good ongoing relantionship with them. But there are some questions I would like to ask first, I opened the account in Edinburgh, Scotland, but I am now in Manchester, England. So which law applys? Or it does not matter as the (est) amount is less than £500 anyway. The reason I may not want to take action is as I said, a good relantionship, and I have a 0% overdraft with them. Even if I get a backup account, I will not get the 0% overdraft, and I do not want to loose that.

weej · 29th September 2006, 09:29

If £500 is right, then the court dosent matter, but you can claim in England if you want. Also as regards your overdraft, any enforced change to your banking conditions may be deemed "retaliatory action". That said, it is a bit of a grey area.

I suppose you could could commence action then negotiate an amicable solution if they threaten to take your overdraft away. At the end of the day, its your call (personally I would just go for it).

Hope this helps in some small way.

J

alvinlwh · 29th September 2006, 10:35

Quote:

Originally Posted by weej

If £500 is right, then the court dosent matter, but you can claim in England if you want.

then negotiate an amicable solution if they threaten to take your overdraft away.

I just had a quick calculation yesterday, it is just over £160. But I have some gaps in my statements. So until I send my Subject Access Request off, I wouldn't know.

Those who had claimed from Bos before, how negotiatable are they?

alvinlwh · 29th September 2006, 12:27

When I looked in my old statements (old style pre 2004), I noticed that my charges are only £8.50 each. Can I claim on that? If they are willing to negotiate, I will be happy to drop those as there are only about 4 of them in the £160 total.

alvinlwh · 30th September 2006, 13:30

A quick question to those who had claimed from Halifax.

I had charges listed as (example) "Charges to 30 Apr" £8.50 on the old style statements. But nothing happened on 30 Apr that will warrant such a charge. Instead it did go OD on 13 Apr. Is this what the charge refers to?

And the charges listed on the new style statments just reads "Charges as Notified" £20.00 with nothing else to indicate what they may be for.

Are these the items I will be claiming for?

alvinlwh · 13th November 2006, 12:54

No replies, not surprised.

Anyway I am sending off my first letter to BoS today. Claiming for £218 in charges and £ 37.75 in interest. If they are willing to discuss, I am willing to accept a 75% offer (+/- 5%).

alvinlwh · 18th November 2006, 17:23

Standard 'we will look into it and get back to you again in 4 weeks' letter recieved today. Well they have 7 more days before LBA.

alvinlwh · 29th November 2006, 16:21

LBA sent yesterday, if they think that I will wait 4 weeks and forget about it, they can dream on!

LondonPam · 29th November 2006, 18:43

The charges are often applied a week or so later so you should be fine to claim them back.
Good luck.

alvinlwh · 11th December 2006, 13:32

I am filling in the forms for HMCS website but they state that the address must be in England or Wales. The address I got for BoS is the Dunfermline one, so does that mean I cannot use HMCS? If so what should I do?

alvinlwh · 11th December 2006, 17:22

Can anyone help here?

alvinlwh · 11th December 2006, 22:13

No one?

reallystuck · 12th December 2006, 10:31

hi the address i used was bos
customer relations
po box 548
leeds
is1 1wu
it got to the main office.good luck

HydraUK · 12th December 2006, 11:22

Quoting from 'N1A - Notes for claimant on completing a claim form'

Quote:

When suing or being sued as....

a company registered in England and Wales or a Limited Liability Partnership. [in other words a PLC, LLP or Ltd. company]

....You must provide an address including postcode which is either the company's registered office or any place of business that has a real, or the most connection with the claim e.g. a shop where goods where bought.

On this basis I used my branch address.

alvinlwh · 12th December 2006, 11:34

Quote:

Originally Posted by HydraUK

Quoting from 'N1A - Notes for claimant on completing a claim form'

On this basis I used my branch address.

I do not have a local branch. The branch I opened my account at was in Edinburgh and even then it no longer exist.

HydraUK · 12th December 2006, 11:38

How about this then http://www.consumeractiongroup.co.uk...tml#post123107

alvinlwh · 12th December 2006, 11:54

Quote:

Originally Posted by HydraUK

How about this then http://www.consumeractiongroup.co.uk...tml#post123107

It is BoS not RBS that I need

HydraUK · 12th December 2006, 12:08

Well pardon me for trying to help

paracton · 12th December 2006, 20:29

The address I used was

Bank of Scotland
Trinity Road
Halifax
West Yorkshire
HX1 2UJ

They have just acknowledged service of my claim on them through mcol so this address is fine. The letters following my LBA came from this address.

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