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Go Back   The Consumer Forums > The Consumer Forums
The Bank Action Group - against unlawful bank charges
> Scotland

Scotland If you live in Scotland or have an account in Scotland, please take time to join the new Scotland User Group. (Not for RBS/HBOS English accounts.)


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Before beginning to claim your bank charges be sure to read the FAQ by clicking the link above. Read it carefully and also read as much of the forum material as you can manage before you start claiming your bank charges refund. You will have to register before you can post or view the materials which may assist you in reclaiming your penalty charges: click the register link above to proceed. To start viewing messages, select the forum that you want to visit from the selection below. Understand what you are doing and you will be able to Reclaim the Right more effectively.

Why don't you come and introduce yourself in the Welcome section at the top of the forum. Then have a look around the rest of it.
Do not post or start claiming until you have read the entire FAQ section and step by step guides and you have a good basic idea of what to do and of the layout of the forum.
Good luck claiming your bank charges.
We strongly suggest that you register under a UserID and not your own name

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Old 3rd July 2006, 11:29   #1 (permalink)
7givenchy
Basic Account Customer
Default Scotland Help Regarding Trust Deed

Hello

I posted my query regarding Trust Deeds and received a reply advising me to
ask advice from Scottish members. Can anyone help?

Due to serious health problems and a long period of unpaid sick I found myself in serious financial difficulties and sought advice from the local council debt advisory service. They advised me to enter a Trust Deed and I signed the deed last year. Subsequently I have had to resign from work as consultant advises that I will be unable to return to work for at least another year. I have continued to pay my contribution to the trust deed although this has been a struggle. Could you please advise if I can still reclaim bank charges / credit card charges in this situation.
Sandy
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Old 3rd July 2006, 17:11   #2 (permalink)
alexcraw
Basic Account Customer
 
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Default Re: Scotland Help Regarding Trust Deed

As far as I can tell, Sandy, personal circumstances don't enter into the equation. All that matters is that you got charged by the bank, unlawfully, and you are entitled to get the money back. If I was you, I'd go through the process as quickly as possible and get your claim completed. The bank's lawyers will be beavering away looking for a way around this, so the sooner the better.

Just Do It.

Good Luck
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Old 3rd July 2006, 19:12   #3 (permalink)
7givenchy
Basic Account Customer
Default Re: Scotland Help Regarding Trust Deed

Alex thank you for your encouraging message. I had started process then wondered if this was acceptable in my circumstances. Sent Data Protection Act to the Bank of Scotland on 14 June requesting copies of statements. On 24 June received copies of only 1 years statements instead of 5years as requested. Contacted bank,advised that they will send the rest in 7 days.
I will "Just Do It"
Regards
Sandy



Quote:
Originally Posted by alexcraw
As far as I can tell, Sandy, personal circumstances don't enter into the equation. All that matters is that you got charged by the bank, unlawfully, and you are entitled to get the money back. If I was you, I'd go through the process as quickly as possible and get your claim completed. The bank's lawyers will be beavering away looking for a way around this, so the sooner the better.

Just Do It.

Good Luck
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Old 7th July 2006, 19:27   #4 (permalink)
charlieho
Basic Account Customer
Default Re: Scotland Help Regarding Trust Deed

Sandy,

From what I gather about Trust Deeds ANY monies recovered by yourself will go to your Trustee and into the pot to pay your creditors.

Best of luck in reclaiming what is rightfully yours

CharlieHo
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Old 8th July 2006, 09:23   #5 (permalink)
7givenchy
Basic Account Customer
Default Re: Scotland Help Regarding Trust Deed

Yes I think this is indeed the case, but I feel so strongly that I ended up in this dreadful situation mainly through these unlawful charges so I am willing to go through the procedure to reclaim
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