20 year claim limit in Scotland & other ramblings

[Dusary]

Originally Posted by biggranty

Hi Biggranty here

I now fancy going for the years previous to this but I think that would have held my claim up so will wait till I have reserched more and the moneys through.

Good luck out there with your claims!

Well, I have decided to wait until I have the *FULL HISTORY* of my two accounts with HBoS (formerly BoS).

I requested the history PRIOR to January 2001 since I have Jan 2001 - April 2007 statements to hand.

Today I received two letters

"Attached to this letter is the information you requested for the above account after 17th April 2004, however charges prior to 17th April 2004 will be sent uinder separate cover.

We will aim to provide you with this information as quickly as possible. We are currently experiencing a high number of similar requests and it may take a little time to process your request."

Meanwhile, the interest on £18,000 (past 6 years) is growing and growing.
Their problem, not mine!

BTW: The letters are coming from:
Bank of Scotland
Customer Relations
Trinity Road
HALIFAX
HX1 2RG

(no phone number!!)

And signed by a Marcin Senator, Data Subject Access Request Team, Customer relations.

[Vital Spark]

Okay. I'm a bitttie lost here.

1. Are the courts and banks clamping down on multiple small claims for the same bank acconts?


2. If the sums are not falling within Small Claims or Summary Cause remits should we be using a solicitor?

3. If anyone in Scotland knows of a solicitor already handling such cases and, if this is necessary (do intend going back 20 years at least), will you plese pm me with their name and contact details?

[Dusary]

Originally Posted by Vital Spark

Okay. I'm a bitttie lost here.

1. Are the courts and banks clamping down on multiple small claims for the same bank acconts?


2. If the sums are not falling within Small Claims or Summary Cause remits should we be using a solicitor?

3. If anyone in Scotland knows of a solicitor already handling such cases and, if this is necessary (do intend going back 20 years at least), will you plese pm me with their name and contact details?

I dunno - about point 3. I guess it depends on which Bank you are chasing. In my case with HBoS - their Head Office for Customer Relations is in Halifax, so that would seem to take me down the English Law road - but, as you'll see from other threads here - if you get the *We're not playing with you* final letter from your Bank - then you could take the FOS road.

[sn00psmum]

Originally Posted by Vital Spark

If anyone in Scotland knows of a solicitor already handling such cases and, if this is necessary (do intend going back 20 years at least), will you plese pm me with their name and contact details?

Try sending a pm to Seahorse, he's in Aberdeen area but I know he had a solicitor lined up for his claim against RBS
SM

[Vital Spark]

Thanks Snoopsmum (btw, does that name mean your son or daughter's a journalist?),

I'll pm Seahorse today.

Best get ready to take beasties out for long walk now. They can't stay upright much longer with all four legs crossed.................. ..and then there will be vet bills.................... . Oh dear, a petowner's life, huh?

Thank you too Dusary

[sn00psmum]

Originally Posted by Vital Spark

Thanks Snoopsmum (btw, does that name mean your son or daughter's a journalist?)

LOL no, but my dogs are Beagles & one's called Snoop! Was trying to upload a funny pic of him but it's too much for my brain to handle!!
Edit: did it!

Originally Posted by Vital Spark

Best get ready to take beasties out for long walk now. They can't stay upright much longer with all four legs crossed.................. ..and then there will be vet bills.................... . Oh dear, a petowner's life, huh?

[Dusary]

Maybe we should have a new thread: Dogowners V HBoS

[Dusary]

Back to the *serious* stuff.

Today I FINALLY received statements for the period January 1996 - Jan 2001 (I've already got the 2001 - to date statements) for ONE account. (I'm not convinced that this is my total banking history for that account).

I'm contemplating adding that to my spreadsheet before sending my preliminary request for repayment.

What do you good folks think?

[Vital Spark]

I think I'll be watching your progress closely because I really don't have a clue. I'm asking Lloyds for statements from all of my history with their bank.

I did request tis in my Subject Access Request but they didn't send it all.

I've a letter posted in my Vital Spark vs Lloyds thread asking for opinions on its appropriateness. Anyone wishing to visit said thread and leave their opinion is most welcome to do so.

[Dusary]

OMG

Am I to be the guinea-pig?

[gargoil]

I have my 2nd hearing against HBOS on 6th July they have defended charges over 5 years old. Will be reading up on as much as I can over th enext month to see if I think its worth going for them!

[Dusary]

URGENT: Claiming beyond 6 years in Scotland

[Vital Spark]

Originally Posted by Dusary

OMG

Am I to be the guinea-pig?

'Fraid so, my dear. But, I'm a great believer in their being a positive side to everything: at least you don't have to worry about watching out for your tail.

[Dusary]

Originally Posted by Vital Spark

at least you don't have to worry about watching out for your tail.

It's not me tail I'm worrying about - it's all the other bits!!

Lates ruling by Court of SEssion (07/06/2007)