Thread: Russell v Bank of Scotland

Hi All,
I'm thinking of claiming back my charges from BoS, and have heard that they are likely to close my account when I'm successful. My worry is that my mortgage (recently arranged) is with the Halifax - are they likely to try and close my mortgage account too?

Thanks

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Thanks - I'm off to post my DPA letter now

Hi again,
I've just spent a few hours with a highlighter, and calculate I'm owed £2,248 on my BOS current account, and £825 on our joint account. As these are just the charges, I'm waiting eagerly for Vampiress' scottish interest calculator before I send in my preliminary letters.
I'm looking forward to the start of the battle!

In terms of using the spreadsheet to calculate your interest at 8%, there isa view about on these pages that it should be the contractural rate of interest that we charge them. They have charged us that when we went into red. If you go to sticky post and look up minzai spreadsheet, it calculates interest at both the 8% and also what your bank is currently charging. Again you will need to look up this interest figure. When I apply spreadsheat to my charges, at 8% the total comes out to about 12.5 k but when i use the banks 25.56% the totals come out to 21k.
Some difference.

Anyone able to comment on how you approach claimimg charges back from 3 accounts with the BOS? Separate claims for each account or one claim for all three?
cheers!