You could file a summary cause. This allows you to claim up to £1500. The only difference is that if you lose at court you have to pay their defence fee's. As we all know this is very unlikely to go to court, but it is your decision. I filed a summary cause at the sherrif court and got a settlement within 3 weeks.

Having looked quickly at that website - I think the larger claims are done through an ordinary cause - details are on the left of that page. Am a bit lost when it comes to that amount -wouldn't it be great to have the english system of up to £5000!!

That website certainly is very helpful - thats a lot of money they've had off you - hope you get it back!

i got the full £965 plus I also got £39 for the court costs i incurred filing the claim.

Hi, I claimed £965 by filing a summary cause at my local sherrif court - go to Sheriff Courts in Scotland to find out about scottish court procedings. This is different from a small claim as it is riskier - i pay the banks court costs if i lose. Because it was a summary cause I had to take the papers up to the nearest sherriff officers instead of the court sorting it - and pay them to serve them on the bank. I did go for interest of 8% in the court papers and had it gone to court I would have been after that but as they settled I don't get it. I actually found the form at the above website - it's brilliant for scottish court procedings! you can do it on your computer but it won't let you save it so you have to do it at once and then print it off. Hope this answers all your questions - any more just ask.

Hopefully this will cheer you up - I just received £1000 back from them- had to file a summary cause and get sherrif officers to serve the papers on them. They had responded to both my lba's tho. (with paltry amounts) I sent all my letters through to customer relations in trinity rd, halifax. Received a letter from them 2 days ago offering the full amount + court costs. They said in the letter that if i got any more charges they reserve the right to close my account. I have opened accounts elsewhere because i think the staff in my local branch are horrible.

Hi Guys- been quiet for a while cos i filed my summary cause at the court house. (A bit riskier but meant i could go for the full £965 + costs at once - as you all know small claims in Scotland only goes to £750) Had to then take the papers up to a sherrif officers to serve the papers on the bank - very nervous indeed!! All went quiet - then got a letter yesterday from the bank - THEY'VE SETTLED IN FULL PLUS HAVE PAID MY COURT COSTS!!!!!! Plus instead of paying the £965 i asked for they've given me £995 by accident! YEE-HA THANKS TO YOU GUYS!

Hi this has helped me a lot. A am presently helping my other half out and I am thoroghly confused. I noticed he always had a charge around the 18th of the month ranging from £5 - £25. this was recorded as a 'charge to 3rd of that month' Also there were referral charges of £20 - I assume these are the one's for actually going overdrawn whereas the charges were once a month. Now looking through his statement later there are some charges for£30 and some for £10?? I'm trying to write out a detailed statement of charges and i just have no idea what the charges are for!! Has anyone got any idea?:-?

Yes it has, edinburgh district council's tickets are all ok. Have checked before - unfortunately.

i run a small delivery business in Edinburgh. I employ one driver, who was delivering to a customer a rather large amount of water. He asked a traffic warden nearby if it would be ok to park in a bus stop while he delivered as it was a really big delivery of about 60 cases. The traffic warden said that would be fine as long as he wasn't any more than 15 minutes. Now my driver was only on his second lot of cases when he came out to find a different traffic warden with his wee machine printing out a ticket. When he told the warden that he had permission from a different warden he was told that unfortunately this warden had processed the ticket and he had to put it on the van. However he did note down in his book a record of what my van driver said and said that if we appealled we would be let off with it. When I wrote in the the NPC they politely wrote back and said that as my van had been parked in a bus stop it was an automatic ticket and unfortunately as i don't have a note of the first traffic wardens no. we had no way of verifying the story. Do I have a leg to stand on? To be honest the situation in edinburgh is getting ridiculous, i have run this business for 4 years and never had a ticket until this year - where i have had 4!

Well I handed my summary cause asking for £965 + costs plus expenses in at the sheriff court yesterday too - I'm also in a small town - haddington to be presise. The woman didn't say anything to me though apart from the fact that I would have to take it up to the sheriff officers myself.- this also costs money - not too much I hope. I have also been careful about keeping replies all as you said above - keep me posted to how you are doing, we could compare notes!

look at post above - go to sub forum Scotland, scotia has posted a sticky thread with all necessary info.

Are you quite confident about doing a summary cause? I have filled in my forms for it but am just a little worried incase i get stuck with paying their fees if i lose?

I am also just filling in the forms am near dunbar so slightly further away but i also found it quite difficultfinding info for Scottish people. I am currently filling in a summary cause form cos i am looking to get back £965 + interest + costs. The only difference i can find is that if i loose i pay all their costs. Wondered if anyone new what to put into no 7: state details of claim here?

Hi after sending my second letter (LBA) demanding repayment of £965 I received a phone call from the Bank of Scotland offering to increase their goodwill refund from £120 to £325. Now I refused over the phone and she said oh well your bad luck I will send you a copy of how to contact the financial ombudsman service. She said - 'please understand that we are not prepared to refund all of the charges that you have incurred on your account over the last six years.' I told her i would be going to the small claims court. Can any one advise me what has the financial ombudsman got to do with this - she also mentioned that the oft statement about bank charges being unfair only related to credit cards - is this true. What do I do now?