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B o S Preference Account -Bank Account or Credit Card ?
Hi
Regarding the Bank of Scotland Preference account I have read on here many different explanations but still not sure if its a classed as a Bank Account or Credit Card Account on my Experian Credit Report its listed as a Credit Card on some letters I receive they refere to it as a Credit Card however there is some letters that names it as a overdraft Bank Acount.
However I CCA Blair Oliver Scott about a week ago and today I have received a copy of a CCA BUT it is not mine it is for someone completely different any ideas how I should approach this with BOS I am sure the other person would be very delighted to learn the fact that they have sent somebody else his CCA anyway they do refere to the short hand written note on the compliment slip attached to it that this is for me and as we are aware they do not need to send a signed agreement.
Well this is a signed CCA but not for me for someone else.
Any suggestions what I should do, I know firstly I shall need to contact them to tell them that this does not belong to me but would you try and contact the named person to let them know what BOS are doing.
DATA PROTECTION........who said there was data protection.
Re: B o S Preference Account -Bank Account or Credit Card ?
i would send a stern letter to their data controlled about receiving private information about another customer and that you would be very concerned if they have sent your details to someone else.
i personally would make contact with the other person to mae them aware of what has happened
ida x
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Re: B o S Preference Account -Bank Account or Credit Card ?
Hi Ida
Many thanks for your reply Ida I have now contacted the owner of the CCA (or rather his family) by telephone and they are livid.
I cant believe this is happening such incompetence.
I really want to send a really stern letter but I am not very good at writting these sort of letters.
If anybody out can help me comply a stern letter to Blair Oliver Scott regarding this cock up I would be very grateful the sterner the better
no holds barred
Obviously my details are flying around out there now god knows who has them maybe another cagger.
Ta SW
Re: B o S Preference Account -Bank Account or Credit Card ?
Dear xxxxxx,
I recently wrote to Blair, Oliver and Scott requesting a copy of any alleged agreement for account no. xxxxxxx
I received a reply on xx/xx/xx but was dumbfounded to receive and agreement between Bank of Scotand and Mr xxxxxxxx re account no. xxxxxxxx. I have now got the contact and financial details of another Bank of Scotland customer.
To say that I am astonished to the complete lack of privacy and care that BOS has taken would be understated. I am now very concerned that my details have been passed to another customer or too many other customers.
I will be sending this letter to the data controllers and complaints departments of Bank of Scotland and also to the Information Comissioner due to the serious nature of this clear breach of the Data Protection Act.
I await your reply on how you will resolve this serious issue and what measures you have taken to ensure that any of my personal and financial information have been retrieved for any other customers you have sent this too.
As this is a matter of urgency, I would expect written confimration of letter by return,
sent this to bank of scotland data controller:
TRINITY ROAD
HALIFAX
WEST Yorkshire
HX1 2RG
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Re: B o S Preference Account -Bank Account or Credit Card ?
Originally Posted by IdaInFife
Dear xxxxxx,
I recently wrote to Blair, Oliver and Scott requesting a copy of any alleged agreement for account no. xxxxxxx
I received a reply on xx/xx/xx but was dumbfounded to receive and agreement between Bank of Scotand and Mr xxxxxxxx re account no. xxxxxxxx. I have now got the contact and financial details of another Bank of Scotland customer.
To say that I am astonished to the complete lack of privacy and care that BOS has taken would be understated. I am now very concerned that my details have been passed to another customer or too many other customers.
I will be sending this letter to the data controllers and complaints departments of Bank of Scotland and also to the Information Comissioner due to the serious nature of this clear breach of the Data Protection Act.
I await your reply on how you will resolve this serious issue and what measures you have taken to ensure that any of my personal and financial information have been retrieved for any other customers you have sent this too.
As this is a matter of urgency, I would expect written confimration of letter by return,
sent this to bank of scotland data controller:
TRINITY ROAD
HALIFAX
WEST Yorkshire
HX1 2RG
Hi Ida
Fantastic letter sorry about the first message I have another relative on here who praises you very much (but its true Iwe sat for ages trying to comply a letter then as if by magi your letter appeared you make it look so easy. I will get this away to them tomorrow and let you know outcome (think my other relative tried to butt in on us)
never mind as long as we can get a result, I was wondering what BoS might do or say or maybe they just ignore it hoping it shall go away.
WE did manage to contact the other person by phone and they are raging mad. (So hopefully theyy follow this up also I have sent them a copy by 1st Class post today as they have been waiting on this agreement for 2 months and now need it desperately.
Re: B o S Preference Account -Bank Account or Credit Card ?
Hiya everyone
Long time since I posted on this thread, however was looking through the file I have on this account and found something that I am not quite sure adds up can anyone help.....
Received this default notice from Bank of Scotland for my Preference account it is dated 24th August 2009 I have marked it received 2nd September 2009 to be remedy 14th September 2009 dates do allow for the 14 days but I did not receive this until 2nd September which would only allow me 12 days to remedy (Not sure how to prove this.
I have also found a letter telling me they are terminating my agreement.
This was dated 11th September 2009 (remebering default notice was to be remedy by 14th September 2009.
Can somebody explain to me how they can terminate my agreement with a letter dated 11th September 2009 when Default Notice was to be remedy by 14th September 2009 (you never know I could have won the lottery within these 3 days and paid them everything....wishful thinking I can only dream.
Am I correct in thinking that something here does not add up or am I clutching at straws. They have Iqor on my back just now and they are getting very demandin and threatening.
Still not sure how this account is meant to be regulated as it states Credit Card on my Credit File, overdraft on the default notice and letters from BOS.
Questions
1. Can they send a default notice out on 24/9/09 and expect me to get it next day and remedy by 14th September 02 when I did not receive DN until 2nd sept 09.
2. How can they terminate on 11th September 09 if default notice is to be remedy on 14th September 09.
3. After terminating this account on 11th September 09 they sent me a statement on 2nd Jan 10 increasing the balance by charging me more interest any idea what they are playing at.
Re: B o S Preference Account -Bank Account or Credit Card ?
Originally Posted by scotswalker
Hiya everyone
Long time since I posted on this thread, however was looking through the file I have on this account and found something that I am not quite sure adds up can anyone help.....
Received this default notice from Bank of Scotland for my Preference account it is dated 24th August 2009 I have marked it received 2nd September 2009 to be remedy 14th September 2009 dates do allow for the 14 days but I did not receive this until 2nd September which would only allow me 12 days to remedy (Not sure how to prove this.
I have also found a letter telling me they are terminating my agreement.
This was dated 11th September 2009 (remebering default notice was to be remedy by 14th September 2009.
Can somebody explain to me how they can terminate my agreement with a letter dated 11th September 2009 when Default Notice was to be remedy by 14th September 2009 (you never know I could have won the lottery within these 3 days and paid them everything....wishful thinking I can only dream.
Am I correct in thinking that something here does not add up or am I clutching at straws. They have Iqor on my back just now and they are getting very demandin and threatening.
Still not sure how this account is meant to be regulated as it states Credit Card on my Credit File, overdraft on the default notice and letters from BOS.
Questions
1. Can they send a default notice out on 24/9/09 and expect me to get it next day and remedy by 14th September 02 when I did not receive DN until 2nd sept 09.
2. How can they terminate on 11th September 09 if default notice is to be remedy on 14th September 09.
3. After terminating this account on 11th September 09 they sent me a statement on 2nd Jan 10 increasing the balance by charging me more interest any idea what they are playing at.
Scott
Hi Scott,
Well in answer to Question 1: They probably do expect it .. but sadly for them it aint so and.... this is where having a calendar handy is useful.
24th August 2009 was a SUNDAY !!. the 25th August was Bank holiday Monday, so for starters that DN would not have left their building until the Tuesday, 26th. I dont suppose you kept the envelope it came in ? In the absence of proof that they sent it anything other than by 2nd class mail then it is deemed delivered 4 working/business days after popping in the post. Sooooo it didnt go in the post until the 26th August , 4 working/business days after that would be Tuesday, 1st / Wednesday, 2nd September. So that fits in with the day that you received it.
They then go on to say they want you to remedy BEFORE the 14th September which IMHO leaves you just 11/12 days to remedy. Not enough.
But then, oh great joy and do keep that Termination letter very, very safe.. they go on and terminate your account a whole 3 days before the remedy date. I love it.
Can I suggest you contact diddydicky who will explain the process of recission of contract and what you will need to do next.
It is really interesting that they are managing to add interest to an account which in all reality no longer exists
1: Making a PPI claim ? - Q & A's and spreadsheets for single premium policy -HERE
2: Take back control of your finances -Debt Diaries
3: Feel Bullied by Creditors or Debt Collectors?Read Here
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Re: B o S Preference Account -Bank Account or Credit Card ?
Hi Diddydicky
Don't know what I am thinking about.....head in the clouds with worry.
I don't need to look out anything as I have not paid them any monies or contacted them in any way, no letters or telephone calls, they do phone me about a dozen times a day but have been ignoring them for months.
The only contact I made was on the 9th August I requested the CCA which they sent me on 2nd September I can post this up if you want to see it.
Many thanks for your speedy reply it is mmuch appreciated.
Cheers
Scott
They are actually taking somebody to court over this one but they've picked on somebody who is well aware that they are trying to have it both ways, i.e. claiming it is both a bank and a credit account.
Once you get a copy of your agreement it will be easier to make some kind of recommendation.
I haven't heard from BoS for yonks. I suspect that they are picking on a few people who they hope won't fight in the hope of winning a court case and then brow beating the rest of us into accepting that they are right.
No chance.
Regards.
Fred
Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.
Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.
Re: B o S Preference Account -Bank Account or Credit Card ?
Hi Fred
I have a copy of the original agreement that they sent to me this was taking out along side a loan in 1997 and they still had the copy. It does state on it that it is an overdraft, however some of the letteres I have received from them have credit card account and some have overdraft it is registered with the Credit Reference Agency as a Credit Card they just can't make up their bloody mind.
I shall get a copy of the agreemnet posted up asap.
I am also awiting diddydicky getting back to me regarding the default notice and termination letter don't know what a lot of us would have done without this site there is a lot of amazing kind people like diddydicky and yourself helping people get a wee bit fight back in themselves as when you are down they(The Creditors) kick harder
Cheers
Scott
Re: B o S Preference Account -Bank Account or Credit Card ?
Originally Posted by scotswalker
Hi Fred
I have a copy of the original agreement that they sent to me this was taking out along side a loan in 1997 and they still had the copy. It does state on it that it is an overdraft, however some of the letteres I have received from them have credit card account and some have overdraft it is registered with the Credit Reference Agency as a Credit Card they just can't make up their bloody mind.
I shall get a copy of the agreemnet posted up asap.
I am also awiting diddydicky getting back to me regarding the default notice and termination letter don't know what a lot of us would have done without this site there is a lot of amazing kind people like diddydicky and yourself helping people get a wee bit fight back in themselves as when you are down they(The Creditors) kick harder
Cheers
Scott
My suspicion is that they claimed it is a bank account for the purpose of getting bank charges claims stayed, but a credit card account for the purpose of trying to enforce it. They can't have their cake and eat it though. I suspect that your 'agreement' will be familiar to a few of us here, i.e. the bit for the loan contained references to the CCA, but not the bit for the Preference Account.
Regards.
Fred
Before you criticise another man you should first walk a mile in his shoes. Then, when you criticise him, you'll be a mile away and he won't have any shoes on.
Don't get me confused with somebody knowledgeable by all those green blobs. I got most of them by making people laugh.
Re: B o S Preference Account -Bank Account or Credit Card ?
dear Sirs,
Re Your Ref -Account xxxxxxxxxxxxxx
I refer to my letter of 13 September 2009 in which i accepted your unlawful repudiation of the above alleged agreement.
I note that you have not as requested, supplied me with the exact amount of arrears truly outstanding (and not including unlawful charges made to the account) at the time of your unlawful termination of the agreement.
I beleive that i have a valid counterclaim against you but require the information referred to above in order to evaluate my position
Re: B o S Preference Account -Bank Account or Credit Card ?
Hi diddydicky
Can you tell me do I send this letter to BOS or Iqor.
Also you state at the beginning of letter:
"I refer to my letter dated 13th September 2009 in which I accepted your unlawful repudiation of the above allege agreemnt".
ALso I think the arrears they were asking for in the default notice was correct - there again I might be wrong - meed to check that out.
Forgive my ignorance but I didn't send them any letters regarding this account.
It was the dates on the termination letter that were wrong and according to citzenB the default notice dates were wrong too.
Sorry for pestering you again my medication plays havoc with my brain and I maybe missing something and I don't want to make any mistakes especially when I don't really know what I am talking about.
Re: B o S Preference Account -Bank Account or Credit Card ?
Hi diddydicky
Can you tell me do I send this letter to BOS or Iqor
. Whoever is dealing with it- if it is iqor then change text to refer to "your client" etc Also you state at the beginning of letter:
"I refer to my letter dated 13th September 2009 in which I accepted your unlawful repudiation of the above allege agreemnt".
ALso I think the arrears they were asking for in the default notice was correct - there again I might be wrong - meed to check that out.
Ignore the DN- you are accepting the letter of termination - which was unlawful
Forgive my ignorance but I didn't send them any letters regarding this account.
really !!!!! | (why dont you double check your files )
It was the dates on the termination letter that were wrong and according to citzenB the default notice dates were wrong too.
Its not for you to point out to them WHY they have unlawfully terminated- just that they have (thats what they pay their lawyers for)
Sorry for pestering you again my medication plays havoc with my brain and I maybe missing something and I don't want to make any mistakes especially when I don't really know what I am talking about.
When the Liberals and Conservatives were in opposition, they both agreed that banks should pay back high bank charges to customers. Nothing seems to have happened since they came into power as a coalition. PPI Insurance has been sorted. Now they should turn their attention to bank charges and help customers get exorbitant charges refunded.
Advice & opinions given by citizenb are personal, are not endorsed by Consumer Action Group or Bank Action Group, and are offered informally, without prejudice & without liability. Your decisions and actions are your own, and should you be in any doubt, you are advised to seek the opinion of a qualified professional.
PLEASE DO NOT ASK ME TO GIVE ADVICE BY PM - IF YOU PROVIDE A LINK TO YOUR THREAD THEN I WILL BE HAPPY TO OFFER ADVICE THERE
Could anyone who has one of these accounts and might be prepared to give a witness statement please look in on the above thread.
RMW
I am not an expert in law, finance or any related field, I just read a lot. Any advice is based solely on what I've read so please don't take it as gospel without checking it out yourself.
I prefer not to give advice by PM. If you want me to look at something, send me a link to your thread, and if I can help I'll reply on there.
B o S Preference Account -Bank Account or Credit Card ?
Preference account I have read on here many different explanations but still not sure if its a classed as a Bank Account or Credit Card Account on my Experian Credit Report its listed as a Credit Card on some letters I receive they refere to it as a Credit Card however there is some letters that names it as a overdraft
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Originally Posted by IdaInFife
and.... this is where having a calendar handy is useful.
