Hi,

Last week (19th May) I sent the bank (BOS) my first letter requesting the list of charges they've levied against me over the past 5 years. I know that Scottish Law means that small claims must be for max £750, so if my charges total more than £750, as I think they will, then I would need to make multiple claims.

So, I'm thinking of rolling up all the charges together, telling the bank (by letter of course) that they owe me £XXX and if they settle in full now rather than go to court they will save themselves the 8% APR I can make them pay when they lose in court.

Obviously I'll try to word it a bit more eloquently than that, but does anyone see and reasons against doing what I'm proposing ? Or would I give them the impression I'm afraid to go to court ? (I'm not)....:-?:-?:-?

They already know this. The 8% is less than peanuts to them.

They like to push you to take them to court because they think you'll bottle it first. They don't know just how strong we all are here. It's a great place to build confidence.

We're all here to help and wish you well. Follow the steps and guide of the site and keep us updated. You'll be fine.

Good luck.

Thanks Vampiress ! I actually looking forward to all of this....

This site is great - I'm more than willing to donate to help - my salary goes in the bank at start of the month so I'll donate then. After all, I wouldn't want to go overdrawn and upset the bank now would I ......

They'll know exactly what the procedure is with regard to your claim.

It won't be the first time they have recieved similar letters.

As Vampiress said it seems the tactics of many banks is to push you as far as possible before paying up.

I would be inclined to follow the procedures on here carefully. If you try and skip a stage to get your money quick. They will more than likely call your bluff.

You must be prepared to go to court if necessary, it's very unlikely it would get to the stage where you sit in front of a judge, but you need to let the bank know, you are fully prepared to do so in order to get your money back.

Hi C,

I am actually planning to take this approach when I claim against HSBC back to 1982. In a nutshell, requesting a meeting with the manager, discuss my charges (huuuge) and give them a fortnight to think it over.

So, for your claim, ANY offer you make to settle before court would always weigh heavily in your favour...good luck, and let us know how it goes.

This topic was closed on 11 March 2019.

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