alanfromderby v Bank of Scotland ** SETTLED **

**alanfromderby** · 6th May 2006 20:44

Last, but not least, Bank of Scotland icon

.

This is a MasterCard account which has been hit with quite a few late/over limit charges. DPA request on it's way on Monday.

I will take a rough guess and say the claim will be in the region of £1,000. We are going to have a very enjoyable holiday icon

this year!!!

Similar Threads:

alanfromderby Capital One update - Settled in full!

**Bookworm** · 6th May 2006 21:54

Very nice. A few more like this, you'll be able to move there!

**alanfromderby** · 7th May 2006 12:47

Ironically, that is our eventual aim!!

Part of our holiday icon

will be spent checking out a few things. We have one tie still to Derby (and it's not the mighty Ram's!!!), but certainly I would expect within the next five years or so to be moving across the Channel.

**alanfromderby** · 16th June 2006 15:13

Received six years worth of information from BOS icon

this morning, and have spent an enjoyable hour with my highlighter pen!!

The result is a prelim letter going off for £1350 plus £507.92 interest icon

- giving a total of £1857.92. With the track record of BOS, that should be comfortably through in time for our holiday icon

.

**Mairi** · 16th June 2006 16:28

Hi Alanfromderby,

" With the track record of BOS icon

, that should be comfortably through in time for our holiday icon

.

[/quote]"

Hope you're not going on holiday till at least Oct from my experience with this lot, or you may be disappointed.

Mairi

**alanfromderby** · 17th June 2006 10:22

Originally Posted by mthowlett

Hope you're not going on holiday icon

till at least Oct from my experience with this lot, or you may be disappointed.i

I would say you did let your timetable slip a little at the start - also I note that yours is a closed current account, whilst this is a credit card account. With the OFT statement being specifically aimed at Credit Card companies, they do have to at least look as though they are making an effort to comply.

I also have the advantage that I will be going through the English court system so can claim the full amount in one go...should it get that far.

We go away on 17th August...we shall see, but I am confident that this will be resolved before that date.

**Mairi** · 17th June 2006 16:17

Hey Alan
My account isn't closed - not yet anyway, they just threatened to do it a little while ago and told me do give back my card until i had paid back some of the overdraft icon

, luckily i had a parachute icon

set up, i wasn't too clear on that point. i didn,t mean to be so negative, sorry. Just losing my nerve a little. I'm now in the process of going after my husbands charges and am NOT going to fall so far behind schedule this time, (2nd letter to be sent Mon morning) learnt my lesson.
Finding all this fraying at my nerves.
Sorry again
mairi

**Movingon** · 17th June 2006 16:58

Errm.... aren't credit card charges usually zero-rated for interest icon

?

Originally Posted by alanfromderby

Received six years worth of information from BOS icon

this morning, and have spent an enjoyable hour with my highlighter pen!!

The result is a prelim letter going off for £1350 plus £507.92 interest - giving a total of £1857.92. With the track record of BOS, that should be comfortably through in time for our holiday icon

.

**alanfromderby** · 17th June 2006 17:06

Originally Posted by mthowlett

Finding all this fraying at my nerves.

Hi Mairi

No worries, it is a stressfull thing having to take legal action against anyone. Certainly when it is against a large company with unlimited resources it is easy to become overwhelmed with it all.

I am basing my comments on the other cases against BOS icon

, who seem to be trying to avoid litigation where possible, although obviously some cases do slip through the net. I may be wrong, and they may decide it is time to fight.

At the end of the day though, I know that the law is on my side, and if it means standing in front of a judge to argue my case I will do. The great thing is that, should it get to that, there are people ready to offer help and support, and even come along to court with me.

That is the most important thing to remember - we are all in this together and supporting each other.

Look forward to reading about your progress.

**Mairi** · 19th June 2006 10:03

hey alan
thanks for the forgiveness. You've just given me a moral boost to at least last till the end of the week.

mairi

**hondamad21** · 19th June 2006 14:06

Hi alan,

Just wanted to wish you luck.

I received my statments on saturday but they missed 2 months in 01.
So I have sent tem a letter asking for them + if there was any manual intervention on the account.

Anyway hope you have a good holiday icon

hondamad21

**Movingon** · 19th June 2006 14:39

Originally Posted by StoneLaughter

Errm.... aren't credit card charges usually zero-rated for interest icon

?

Sorry Alan, thought you might have missed this...

**alanfromderby** · 19th June 2006 20:27

Originally Posted by StoneLaughter

Sorry Alan, thought you might have missed this...

In the month the charge is added possibly.

However, if I was to have a zero balance, but had incurred a charge from the previous month leaving my balance at say £20 owing. I can guarantee that the following month they will charge interest icon

on that amount.

Of course, I could play the mutuality and reciprocity card - and charge them interest on top of the lot as well, for "borrowing" my money. I think they should see it as a "sign of goodwill" that I am only asking for the amount mentioned above!

**alanfromderby** · 29th June 2006 16:37

Had the first stupid offer through today - £162, gave us a good laugh anyway!!

Go away and have a rethink letter gone off today.

**alanfromderby** · 13th July 2006 12:43

It would seem that my "Go away and have a rethink letter" has not reached the person to whom it was sent. As today was the deadline fo rthem to comply I spoke to the person concerned, and was told that she had no intention of paying up - and could not do anything until she had the letter anyway.

After managing to extract an email address I sent a copy to her - along with the details of exactly who signed for the original, and at what time - and a comment that I considered:

"the “loss” of this item to be careless handling of a legal document, and is in itself a breach of one of the key Principles of Data Protection as outlined in Schedule 1 of the Data Protection Act 1998, because your internal organisation has failed to deal with it in a proper and secure manner."

I have now given them until Monday to reconsider their position - otherwise it is off again to Derby county court icon

....think I'm going to ask if I can have an account!!

**Valdez is Coming** · 13th July 2006 23:41

Alan.......you are priceless!

Long may you continue to disrupt the vultures' feeding frenzy! You inspire all of us to be unafraid of these large, greedy organisations who, despite their money and resources, are powerless against a determined individual who knows more than they do! With very best wishes.

**JMio** · 14th July 2006 13:56

Good luck Al - I'll be in the same boat veeery shortly (albeit for the marginly lesser amount of £60!)

**Ihatebanks** · 14th July 2006 14:06

I have now given them until Monday to reconsider their position - otherwise it is off again to Derby county court icon

....think I'm going to ask if I can have an account!!

__________________

A Bench in the Foyer prehaps dedicated to Alan for his sheer grit and determination

**norvernrob** · 15th July 2006 14:40

Originally Posted by StoneLaughter

Errm.... aren't credit card charges usually zero-rated for interest icon

?

Even if they were you can guarantee that they would be the first thing your next payment pays off - leaving you to pay interest on the same amount left on the balance. That same amount would have been paid off had the charges not been applied.

If they don't want to pay the interest they can go to court and argue about it can't they.

**alanfromderby** · 15th July 2006 15:54

Second offer of £500 rejected this morning by email.....along with a reminder that unless they reply positively by 12 noon on Monday my court action will be issued, and they will have to pay lots of interest icon

and charges on top.

Thread: alanfromderby v Bank of Scotland SETTLED

Thread Tools