Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
Good morning folks, I have been speaking to the customer services about getting my charges back and so far they ahave offered me £150 but that ias abysmal and have rejected it , I have spoken to the oft and they said that there is no limit to far how i can go back so I have bank statements for the last 14 yrs i have been with them , I have never had an overdraft facility and the bank pleasured itself in allowinga non over draft account to go into overdraft by its very own charges and more , they say that for example if i went into a shop and used my card for say £20 shopping and only had £5.00 in acount the floor limit that is set would let that transaction be alowed rather than the card machine in shop say declined and i have asked why set the floorlimit at an amount rather than zero so transaction is declined ? but they would not answer, bet its because it then allows them to storm in with £39 charges, surely this limit should be set at £0 rather than stealth bank charges , . I am submitting papers to court once i see exactly how much has been taken over 14 years , any advice please , thanks Gavin
Mod Note: Please do not hijack someone else's thread.
WHEN I STARTED ABOUT CHARGES THEY SHUT MY ACOUNT AS WELL, not taking into acount the fact i had a loan with them which caused me payment problems etc , I had been with them for 14 yrs
Hi I appear to have lost my previous postings regarding the Bank of Scotland so trying this one , I,m with or was with Bank Of Scotland until I queried bank charges and then they shut my account down and i have ordered 14 yrs worth of statements to claim cahrges back as the OFT say there is no limit to time so i,m told . I hope i,m posting this right this time not breaking into anyone elses thread as it seems to be called ? cheers Gavin , oh if any one else is tackling bos please let me hoh its going
If you go into your USER CP - see the pale blue bar above? - or if you click on Private Messages, this will take you to your control panel.
On the left, click on List Subscriptions... your thread(s) will show up there.
Best of luck
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Hi Gavin, I'm taking on BOS, I got my charges and court fees back but they didnt cough up the 8% interest, so I'm due in court on Thursday to get that back too.
Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr
Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.
WELL DONE !! i wish you wel and thank you for the reply , they should learn by their mistakes and move on wounded just like us customers after they have robbed us ? i have asked for last 14 yrs charges and statements, ive been with them all that time so its now time they paid up , well done to all on here for standing up for our rights at last ! remember banks of old ? it was like atending court to ask for a loan , bloody bank manager acting like god and making customers feel like he /she was , good luck and thank you for message
can anyone tell me ? the OFT said ther is no limit to how far i can go back with these charges becuse i had been with the bank for about 14 years.
but when i went into the Halifax today to pickup the last 6 years statements that the B.O.S had supplied I asked where the other 8 years statements were , i phoned blairgowrie branch to day and a girl there said that would be on the old system but can accessed. but the leagl section said that i can only claim 2000 to 2006 ? whos right ? OFT or BOS ?
because i have paid lots of charges in that previous period and wondered if some one here could advise thank you , and what i wondered if the B.O.S might try and destroy those previous statement records and should i raise an action for those records to be seized before being destroyed ? thanks
I think you had mentioned that you were going to ask your bank for the account history - I may be wrong but were you referring to asking in person (i.e. over the phone or in branch)?
If so, that will possibly be the reason they will only offer 6 years worth.
This has recently been amended to ask for a list of charges during your account history, rather than just 6 years max.
However, as we discussed, whilst it may be fair to reclaim beyond 6 years, there is still only a legal responsibility to hold 6 years of info - I suspect that no matter what you were told in person, they will deny that they have further back and supply only 6 years worth.
If, however, they make some claim as to the availability of data beyond 6 years being outside of the realms of a dpa approach, then we have them by the goolies.
I think you need to submit a full SAR and allow up to 40 days for the goods to arrive!
Sorry about the delay in responding....... busy busy busy!!
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
I think you have to go down the SAR request route. If they don't comply - fully - with that, then you can take action to force them.
I doubt very much that they will destroy records beyond 6 years because of this conversation.
Claiming beyond 6 years is fairly new and only just being tested now, but we do believe there is a case...
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Hi all
Bit new to this and my head is on information overload at the minute. I apologise if this question has already been posed elsewhere but I can't find it if it is...
My account is with Bank of Scotland (Marketgait Branch, Dundee) however I now live and have done for the past 5 years in South Yorkshire. Although I know they are both pretty similar, which procedure do I follow...the 'English' version or the Scottish one?
Any and all advice welcome and keep up the good work!
Gavin - Go to the main forum page, look down the list a little and you'll see Bank templates library. Click there and you will see a range of templated letters and requests - you need the DPA Subject access request.
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Re:Bank of scotland
facility and the bank pleasured itself in allowinga non over draft account to go into overdraft by its very own charges and more , they say that for example if i went into a shop and used my card for say £20 shopping and only had £5.00 in acount the floor limit that is set would let that transaction be alowed rather than the card machine in shop say declined and i have asked why set the floorlimit at an amount rather than zero so transaction is declined ? but they would not answer, bet its because it then allows them to storm in with £39 charges, surely this limit should be set at £0 rather than stealth bank charges , . I am submitting papers to court once i see exactly how much has been taken over 14 years , any advice please , thanks Gavin
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