Thread: Bank of Scotland Credit Card

Hi everyone
Advice would be much appreciated.
My lba in March clearly stated that I would be taking action against them if by 5 April I did not recieve a full refund. I thought I would ring them today and got this wee girl who stuttered and stammered repeating what was in their letter I received YESTERDAY (4th April) ..."....you will receive a response from us within a maximum of four weeks, in-line with the Financial Service Authority regulations. "
Do I still have the right to file against them TODAY..or are THEY within their rights to hold out another 4 weeks."
I dont want to seem unreasonable.....smiles.. ....She told me that they were in undated with 1000's of such claims....(surprise , surprise) and there was a back log.
I told the wee girl that it was their chance to settle NOW in full or face paying the interest plus my court fees a later date as I planned to go to the small claims court..... it was their choice.
She said the Bank was still within THEIR rights and had another 4 weeks to respond. And she didnt even take the reference number or anything to check the amount of my claim.....I could have been anyone! She didnt even take my name!
Must I wait the 4 weeks?

What should I do..

I'm new at this but have been reading a lot and I would say dont wait any longer. I don't know what right the girl is referring to but at the end of the day its you who has imposed the timescale by which you want them to respond. Providing you have given them the time which is deemed an acceptable timescale then you have stuck to what you said in your lba. If you go against what you said in your letter, the bank will think you're not serious and try to fob you off.

Did you send a preliminary letter followed by the standard LBA from this site? How much time did you give?

I would say go ahead and file your claim and let them know you mean business.

Maybe someone with more experience could back this up?

Claire,
It's another of the myriad delaying tactics employed by all of these financial "institution" in an attempt to put you off reclaiming YOUR money. Stick to your timetable, follow the process as explained on here and you will succeed. Keep the faith

Thank you Kitty & Naughty
Yes....I have went by the rule book and sent a preliminary letter first then later the lba giving them a further 14 days( from the date they receive the LBA).
I have claimed against other banks but this was the first time I have been had the "Financial Services Authority" regulations mentioned in any correspondence from any Bank I was claiming against. I guess every Bank's tactics are different......smiles
This is Good Friday , so I have decided I will file a claim online TOMORROW I dont want any bad luck.....smiles.... One more day wont make much difference.
Kind regards
Clare

Hi T4ff
As a woman and not renowned for taking orders ....especiallly from a man.(who are often wrong).....I broke all the rules......smiles
I filed against the B of Scotland this morning. (7th April).
I hope its "lucky 7".......smiles
Kind regards
Clare

Watch it where did you get the idea that men are oftn wrong. I take exception to that statement. Quite a number of sites are manned by men and give good advice Apart from all that I have had several letters saying that the bank in question does not agree with FSA etc. It goes in one ear and out the other (I have to read it out loud for that to happen) I just file when I said I would and that is that

Texel.....This is for you.......smiles
God may have created man before woman, but there is always a rough draft before the masterpiece

Enjoy!