Scotland or England ???

[razgruff]

Hi I new

I'm just reading through the information on the forum with the intention Of trying to claim back a large amount of charges that the Nat West have taken off me over the last few years, and especially the last couple of months.

But here's the problem

I only moved to Glasgow in January, and my account is held in the Bicester branch Oxfordshire where I used to live.

Would it matter which Court I used Scottish or English???

[ecobabe]

hi there. i don't know that much but not sure if you have to use sheriff court where you live, but it would be better if you could do it in england cos you can claim up to £5000(?)at a time in england but in scotland only £750 in one claim.

[barracad]

NatWest's standard Terms & Conditions state:

General

• If your address is in Scotland, Scottish law applies to the contract between you and us. If you live elsewhere, English law applies to the contract between you and us.

Therefore, I believe you would have to make your claim using the Scottish legal system.

[razgruff]

That's interesting Barracad.

I've held the account for about 6 years .
all of that time except the last 6 months, I was in England.

I would assume that the contract was started when I first opened the account.

Unless the bank had given me a new contract every time I changed my address ( which they didn't. I didn't ever sign anything other than a change of address form)

I would have thought that English law would have applied

A Scottish Court would be easier because of my location, but the difference in claim amounts between here and down south makes the idea of trying in England appealing

[barracad]

If you have your original T&C's you could check them. Or you could see if they have any T&C's on their website - they are likely to be similar.

To me, it would suggest it depends on your current address, but without reading through the entire T&C's I couldn't really say for definite.