Anyone Who Can help with Scottish Law!!!

nicola · 8th March 2006, 14:04

I have just joined this great forum and have loads of communication in the past from my bank regarding bank charges. The girl who deals with this at my branch was in the year above me at school and really has taken a dislike to me, when ever I call regarding my charges I can feel her smirking on the end of the phone, she always say's charges can not be refuned, because of the charges I get more charges every month and now they are really getting out of control. I have posted of my letter today and look forward to see her reaction to this.

nicola · 21st March 2006, 08:34

I posted my first letter out to the my branch on the 6th of March and got a phone call from my branch yesterday stating that they did not keep the forms I would need to fill in to receive the statements at that branch and they had to send for one yesterday and I should receive it on Wed. or Thru. Where do I stand on the time it has taken them to get back to me?

Robertxc · 21st March 2006, 20:52

You need to do a formal Data Protection Request, which can be as follows:

Your name
Your address
Your sort code
Your account number(s)

Dear Sirs,

Please send me all of the information to which I am entitled under the Data Protection Act 1998. Please ensure that you include all statements.

I include £10 to cover the cost.

Yours faithfully.

Joe Bloggs

They have 40 days in which to comply, and in all probability they will, since they have a whole department set up for these requests. Once you get your info, tot up all the charges, add interest, and off you go! (Don't forget the £10, which is the maximum they're allowed to charge.)

nicola · 22nd March 2006, 08:32

Thank you for your reply.

nicola · 18th April 2006, 08:41

Please Help i've have had my statements from the past 6 years and I have £2995 in charges they are broken down by refferal charges of £1360, unpaid DD of £1265 and card missuse of £370 as I am in Scotland how can I claim for the full amount and do I chance my luck and put the full amount on the letter to the bank requesting the money back????

nicola · 21st April 2006, 08:28

Please Help i've have had my statements from the past 6 years and I have £2995 in charges they are broken down by refferal charges of £1360, unpaid DD of £1265 and card missuse of £370 as I am in Scotland how can I claim for the full amount and do I chance my luck and put the full amount on the letter to the bank requesting the money back, or do I just put in the letter I am requesting £750 back ????

Tinkerbelle · 21st April 2006, 08:33

Hi Nicola,

I understand that you can only claim up to £750 at a time in Scotland. Please take a look at the FAQ's and that should hopefully answer all your questions.

Good Luck!

nicola · 21st April 2006, 11:56

So I could make sevral claims of £750? Or is it just the one?

Tinkerbelle · 21st April 2006, 11:59

Several claims for £750

nicola · 21st April 2006, 12:06

Great!! I have already hand delivered my letter for the £2995 on Tuesday and I'm just waiting on the relpy. I will keep you posted.

woolfie · 21st April 2006, 18:47

Remember only one claim for £750 at any time, dont run them concurrently.

Do a search on the word 'sever' lots of info there

Woolfie

michaelhossack · 21st April 2006, 21:57

in scotland you can only reclaim 5 years.

nicola · 27th April 2006, 09:47

Jus had a letter from the RBS stating the usual we are sorry you are not happy with the service and will be get back to me before the 8th of May this is putting the 6 days over the 14 day dead line do I start court proceedings?

Tinkerbelle · 27th April 2006, 10:28

You stick to YOUR deadline not theirs

woolfie · 27th April 2006, 18:38

YES definately keep to your own timetable.

Good Luck

Ewan · 28th April 2006, 17:32

Quote:

Originally Posted by michaelhossack

in scotland you can only reclaim 5 years.

I dont see that in the FAQ? Is it accurate?

woolfie · 28th April 2006, 20:06

Seems to be accurate but general concensus is to go for 6 years regardless!!

cheers

andy

Peter Tattum · 29th April 2006, 15:19

Well, I'm just about to send a LBA to RBOS in Edinburgh for c £1015...That's insidious month-on-month charges for DD referrals, 'card abuse' etc...no-wonder I've runout of money!

All I got when I enquired in my branch, was a patronizing 'I'm sorry'...The only reason I have a bank account is because my employer needs one in which to pay my wages. Whatever happened to a paypacket???

Good luck, everyone...

nicola · 9th May 2006, 10:17

Not heard a peep since the "I will be back in touch before the 8th of May" letter, do I send them another or just start my court claim, help I'm scared!!!

BlueRuby · 9th May 2006, 11:20

Have you sent them an LBA? If not I would do that next but only give them 7 days from receipt to reply as I see from an earlier post that they have gone several days over the deadline set in your first letter. If they don't reply positively to the LBA then you could start your court claim.

CAG Products - We think that these will help you to make your claim or Reclaim your Right These sales also help us to keep helping YOU and keeps this site free of third party adverts!

Small Claims Kit	Small Claims Court Guide	CallBurner - Skype CallRecorder Review	Last Will & Testament Kit	Fight a Motoring Ticket

Alternatively you could purchase a CAG email address here, or maybe you'd prefer our address labels here
UPDATE: Consumer Forums ConsumerWiki is now LIVE - click here: ConsumerWiki N.B. Please note - due to postage costs these products are only available in the U.K.