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Some advice needed please.
I sent my letter demanding refund of charges to BOS on 12 April, giving them 14 days to respond.Sent it rec delivery.Heard nothing back yet. But made the mistake of phoning to try and find out if they had received my letter, i had to call 3 diff numbers and still don,t know if they have received it yet.
I ended up agreeing to hand in my cheque book and guarantee card at one point, during call no2 as i,ve again went OTT by £245, £207 is bank charges.
Will it be a mistake to close the account?
It doesn't matter if the account is closed as far as claiming for the refund is concerned.
..
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Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
I had 3 years worth of statements tucked around the house which i have based my claim on. Sent my initiall letter on 12th April. They replied saying they would be back in touch within 4 weeks. Was away for a while and had so much going on that i let them away with it. Had just drafted out 2nd letter when yesterday i got a call from the lovely lady at BOS.
She said they would refund me £364 out of the £3800 that has been (edit) from my account in the past 3 years. I said "no thanks" it immediatley rose to £1120. (big jump after one small "no").I said i would accept it thanks very much, it was a start and I'd recover the rest in the court.
I then got a letter this morning saying i'd declined the offer of good will in Full and final settlement, so I'm back to getting nothing. Maybe i,m a bit thick but nothing was mentioned about not getting back the £1120, as she led me to beleive i would.I've been trying to call them to clarify but they must all be out for the day as i keep getting returned to the switch board where i'm told they are not answering the phone , and to call back later.
2nd letter will be in the post tommorrow.
Mairi
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I've just received a letter from BOS. full of errors name spelt wrong ,wrong date and wrong person quoted as having written to me, anyway. i think it's now time to visit the court.
Thank you for your letter dated 15 April (15 May).
I would refer you to Tom Copeland's letter (who! You mean Elaine Brown), in which she gave you our final response. In this letter we also gave you referal rights, so you can take your complaint to the FO, if you wish. However we are aware that this is not the action you may choose to take.
I am aware from your correspondence that you are proceeding with your claim through the courts. in accordance with your notification, cust relations will take no further action in relation to your complaint, and we will await communication with our legal department advising us of the claim.
there remains nothing further for me to add, other than if you have any other concerns you wish me to investigate, then please do not hesitate to contact me.
Is this the standard Bos reply to lba? are they just trying to scare me off?
Any advice.
Mairi
I didn't even receive a response from them re. my lba. Good luck with the Court Action!
** 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
Im having a wobble.
Im claiming around 4k in segments of 750, from BOS. i filled out spreadsheet to work out interest and im having a nerve attack and can't make anymore decisions. Starting with 2003, ive entered around £570 of charges against my account, and have came up with £130 in interest. Does this seem correct or am i losing the plot!
Mairi
Hi all
Have just been down to the sherrifs court and have filed my first claim.
After all that worry it was no problem.
Just have to sit back and wait now.
Mairi
Hi again all,
Have a return date of 18/8. Still another 9 weeks to wait. ahhhhhh
Getting edgy and bored so decided to start on my husband account.
Sent his lba today. Mr Mairi v BOS. Hopefully this will proceed a little quicker, (though i doubt it)
mairi
Hi all
Have just been down to the sherrifs court and have filed my first claim.
After all that worry it was no problem.
Just have to sit back and wait now.
Mairi
Hopefully you wont have to wait too long, BOS paid up 4 days after my claim was served on them, I will be interested to see if they pay up the 8% interest.
Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr
Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.
Hi All
Thanks for the replies folks. Good luck Fruitycar. After that shambless with your interest, you must be furious. As yet i've heard nothing from the BOS
I called the Sherrif this afternoon and was told they should have received my claim within the last 10-14 days. But i reckon they are going to make me wait until the bitter end as i was a bit lax at the beginning, and couldn't stick to the proper timetable. Now i think i'm paying for that. Or maybe i'm just too impatient, paranoid and skint.
Don't think i could do this without my 3 times a day fix (Im a CAG junkie) of reading others good news to keep me from pulling my hair out.
They better give me my money back soon or im going to have to use my winnings to buy a wig.
mairi
Thanx BlueRuby.
Will be sitting up v late tonight sending letter to stop this claim, sending BOS extra 7 day lba and doing claim no2.
Im enjoying this now, and grinning from ear to ear.
Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.
Thanks for the replies folks.
thinking maybe to go for summary cause this time. Going to have a read up on it.
Anyone have any opinions on the summary cause route?
Mr Mairi v BOS letter received 13/8/6, claim and court costs paid, he'll call them tomorrow to see what happened to the 8% interest.
But 2 - 0 to us in under 1 week.
Mairi v Bos (Round 3)
on 12 April, giving them 14 days to respond.Sent it rec delivery.Heard nothing back yet. But made the mistake of phoning to try and find out if they had received my letter, i had to call 3 diff numbers and still don,t know if they have received it yet.
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Re: Closing account ?
Re: mairi v bos
Re: mairi v bos
Re: mairi v bos
Originally Posted by Mairi
