BOS no reply. panicing about court!

**detones** · 19th October 2006 12:11

Just wandering if anyone else has had no reply from BOS icon

? I've sent the lba icon

and the 14 days expires on Monday!! so i'm getting a bit nervous of the prospect of going to court. half of me wants to just forget about it but i am claiming £2300.00. i think most of the worry is the fact i know nothing about the court system.

Similar Threads:

**lesser1010** · 19th October 2006 12:25

don't worry it'll be new if they do go into a courtroom.just follow the procedure in the library of this site and you'll be fine.we're all nervous at first.

**lesleya** · 23rd October 2006 10:51

Hi

Don't worry about going to court. BOS settled my first small claim icon

within 5 days of me receiving notification from the Sherriff Court of the return date for the action.
2nd small claim lodged with a return date of 7th December, so fingers crossed for a similar outcome - it will then be time to lodge number 3 ....

The banks don't want to go to court if they can avoid it - the reason given in my letter was
"on a purely commercial basis, it will cost Bank of Scotland icon

money to defend your claim in terms of the legal costs (even if the bank wins) because your claim will probably be allocated to the small calims track, in which costs are not generally awarded"

L

**CapitanColumbo** · 23rd October 2006 18:02

They messed me about for AGES, saying they were getting statement from "an old system"

I got a letter today (as you may see above) offering me a settlement - although i'm also worried that i have to take them to court!

**maroondevo52** · 23rd October 2006 19:57

File a claim, they will not take you to court.

Best wishes.

Scott.

**detones** · 23rd October 2006 20:34

Recieved a letter today, starting:

Further to our letter of the 26th September. I'm sorry that you have not yet had a full response to your concerns.

We're still investigating your complaint, and you will recieve a response from us as soon as possible, but certainly no later than 17th November 2006.

The thing is this is the first letter i've recieved since the statements so god knows what letter they're talking about.

L.B.A deadline expires today so i'm going to file the claim tomorrow!!

**maroondevo52** · 23rd October 2006 20:56

Good Luck,

Keep us posted.

Best wishes.

Scott.

**detones** · 24th October 2006 11:11

thats it i've handed the summary cause in. The women made me ammend a few things. The amount in section 4 on the first page is the total amount (charges and interest icon

), not including court costs. i also had to add into section 7 the amount i was cliaming i.e £1050.00 charges plus £375.18 interest.

Overall think it went quite well. i asked the staff down there about reclaiming bank charges and they said alot of people had been down there already. she added the banks always paid up rather than go to court.

so i've just got to wait now for the court stuff to arrive, then i have to have a sheriff officer issue the summons.

feel more reassured now and i'am no longer fearing the prospect of going to prison.

**mwilson** · 24th October 2006 15:24

Hi

I too have had no contact from BOS icon

since my lba icon

on 28.09.06 I have been away for a week or so, so my action has lost a bit of momentum. Now I am back, I too am a bit apprehensive of the next move.

I am claiming about £2K, so will not be leting it go. I think that is what they are hoping for by burying their heads in the sand over this.

I am going to get small claims forms tomorrow!

Martin

**detones** · 25th October 2006 12:37

received stamped summons this morning, (handed them in yesterday). going to submit them to the sheriff officer this afternoon to get issued think it costs about £25.

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