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Have just started claims against Smile and Capital One, my next target is the Bank of Scotland who have been a thorn in my side for a good few years. Have taken in all the information on the site but still have one question before I can initiate my plan of action against them. I have had (past tense) 3 accounts with BOS, 2 at one branch, 1 at another. I am just wondering when I send my DPA notice to them can they ask for £10 to provide statements for each account,ie £30 or should one payment of £10 cover all of them? I am not sending the letter to the branch but to the suggested address in Rosyth! Thanks in advance for any help!
Hi gargoil, one £10 payment for all 3 accounts, just list them in the one letter.
BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.
Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845
Statements received for closed BOS account: 27/07/06, Owed £2596.52
First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07
CapitalOne-£1247, settled in full.
LloydsTSB- £910, sttled in full.
Received a letter through today(halfway through the 40day period) saying that they cannot process my request for one of my accounts as they require more information on the account in question. They want info such as sort code, roll number,type off account and date closed. Definate delaying tactic as how hard can it be too put my name,address and account number into their computer to find these details? Why do I need to supply them? QAnd if they can't get th edetails how do they even kno th eaccount is closed as I didn't inform them of this. The letter does however state that I'll receive the data within the 40 day deadline I set out for them so at least I have that in writing from "them". Bunch of bar stewards!!! It is addressed Dear Sir / Madam so looks like a standard letter, and is signed...
Nicola Inett
Data Protection Consultant
Business Risk - Retail
"Business Risk" is this perhaps a team BOS have to deal with things like that. Yes I am a threat.
Address on letter for people sending Data Protection Act to BOS is.....
Received statements for 2000-2004 today, about the size of the yellow pages, assume the rest will arrive soon. Thats 20days after sending the Data Protection Act. Gonna take me ages to total up but on adding up 1 year on 1 account I am at over £450 already so I'm expecting this to run to a good few grand!
Received rest of statements to present day for 2 of the accounts a rough totalling gives about £2900-£3000. Going to spend tonight compiling spreadsheet and then hand deliver them down to my local BOS tomorrow afterwork!!
My guesstimate was a bit on the low side, turns out I shall be claiming for £3290. So I hand delivered my prelim letter today to my local branch, it was all very polite and friendly and I got a receipt no problems. A lot nicer than the hassles of the RBOS yesterday (see my RBOS thread!) But just because the BOS are being nice doesn't mean I'll play nice!!
I tend to find them a bit on the 'shiny' side for that unfortunately...
Ahem, sorry - pretty standard stuff so far, stick to your timetable & your refund will come!
Good luck
** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **
I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"
The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim
Not long to court time now. I am wondering one thing though. I understand in Scotland it is best to break it down into £750 sections and do one claim at a time. However as I am claiming for 2 different accounts can I claim for £750 for each of them in tandem or do I have to still do them at different times?
Was just on the telephone to a very helpful young man from Bank of Scotland. I'm going to make a claim for 3 accounts and am at court papers stage in a few days for 2 of these accounts. The third account i never received any info when the DPA SAR was sent. Was busy with other claims so didn't chase it up as I don't think they'll be many charges going through this account!Decided to chase it up now so telephoned BOS customer relations this morning. I got put through to the "team" dealing with this and the guy I got was pretty mush th emost helpful person I've ever spoke to at a bank. This account is a bit more complicated than the others as it was a joint account between myself and an ex-partner till late 2005 and is now souly controlled by my expartner. The guy said he would take on my case personally and get all the correct paperwork straight out to me. I asked him if they were bogged down with these requests and he says they are inundated with them. He said cases like mine where I haven't received all the info within the 40 days are being made a priority which is causing newer requests to take longer and longer to get the statements out to people. So I apologise to people who are just sending out the DPA this now for holding you guys up. At least it sounds as if th eBOS staff are getting some OT out of this anyway!!
PS lba time ends on tuesday (hoping they don't pay as the 8% interest I can then add on adds up to £1500) and will be putting court papers out a week today!!
Am on the phone to BOS! They have "LOST" one of my accounts, which should still be open with a negative balance of approx £600-£700. I got the copy statements through and am at the end of the lba 14 days. Was phoning for balance but account has "disappeared" off the system. Lady on the phone has spoken to several "departments" but it has went missing! Oh dear!! I fear this could lead to delays and problems come small claim court time!!
Erm ,apparently they've said that they've recently "wrote off" the £700 debt on this account!! No idea why? They don't have any idea why either but they are sending me a letter to confirm this is the case. I was claiming £1800 +8% interest on this account, so that would have paid off the £700 and left me with £1100 but now I think the £1800 will be going straight into my pocket!
im just starting my claim with BOS and i was going to send it to my branch but everyone seems to be sending it to other places whats the best one to send it to?
gargoil V Bank Of Scotland
, my next target is the Bank of Scotland
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MCOL submitted 19/07/06 
