I have found the LBA template for business accounts, but cannot find any info for preliminary letter. Can you help? M

Hi everyone I have been looking through the forums for advise on Business Accounts. I have finally found a LBA template, but can't find any info for a preliminary letter template. Can anyone help? Also, I am very happy to read about all the Scots using English addresses as our small claims limit is a joke. Can I pursue my claim like this, even though I have sent my initial correspondance with my home address on it? Thanks M

Hi All I have got to the point of filling in my court papers twice now, but because f circumstances, haven't been able to follow it through. I am determined to take this all the way this time after another bout of charges on my accounts. I do need some advice however, or pointed in the right direction within the forum. My personal account charges are around £3000 over the last four years (I know I can claim up to 6, but I was beter with money back then). I have read about people using addresses in England to claim through the English courts for the full amount of the claim, instead of several small claims. Is this ok to do? and, how do you go about it? The next advice is about Business Accounts. Again, the amount over the last four years is around £3000. I received a letter from BOS Business Banking today after sending the preliminary letter, it says that the OFT rules about charges only apply to credit cards and that the BOS legal dept. have advised that the OFT inquiry based on the Unfair Terms in Consumer Contracts Regulations do not apply to business customers. Can anyone shed any light on this, or again, point me in the right direction within the forum to find the relevant information. Please help a very confused man!

Can the same particulars be used in Scottish Courts for business accounts? Martin

I haven't read anything about summary clause. Is this not a more costly and risky alternative to the small claims route? Martin

Hi Court it is then!! Because of our small claims proceedures, I have split my claim into individual years at around £600 each. Should I do one claim at a time, or hit them with all 4 years claims at once? Martin

Hi I too have had no contact from BOS since my LBA on 28.09.06 I have been away for a week or so, so my action has lost a bit of momentum. Now I am back, I too am a bit apprehensive of the next move. I am claiming about £2K, so will not be leting it go. I think that is what they are hoping for by burying their heads in the sand over this. I am going to get small claims forms tomorrow! Martin

Hi Everyone Just asking a question to get things right in my head before going any further. I sent my initial letter on 14.09.06. I got a rude phone call and then heard nothing further. I then sent the LBA on 28.09.06 and have again heard nothing. At this point, I should now be going ahead with some court action, is this correct? Should I be sending a letter informing them court action is imminent, or have they had all their warnings? Any help to ease the nerves at this point would be very welcome. Thanks Martin

Hi All I have just completed my LBA to BOS for my personal account. Can anyone tell me if there is a specific LBA for a business account claim as I can't seem to find one in the templates. Thanks Martin

Hi All, I have been gathering information off the site for a number of weeks, and finally sent of my claims last week. I thought I'd gotten a grip on the procedures involved (Scottish Law) but have read something which I'm now worried about. As my total claim is for around £1500, I split it into three years worth of charges. I have read in another thread that once you have taken a company to a small claims court, you cannot sue this company again. Also, part two of my claim is also with BOS, but for my business account. I sent my initial claim in on 14/09/06 and received a call from my business manager two days later. He is adamant that all legislation regarding charges only apply to personal accounts. The call was almost bullying, and it has made me more determined to take this all the way - if I can. Again, I have made three individual claims for the last three years. Any help or advice on these two problems would be most welcome. Martin

Hi Jason I am self employed so am in the habit of keeping bank statements for a while; I actually have them all for the last few years. Don't know what will happen with the claim for charges to my personal account, but I have already had an almost threatening call regarding the claim on my business account. All claims went away 14/09/06, so I'll find out soon enough. Martin

Hi Jason I too am fairly new to the site, and have just sent off my claims to Bank of Scotland. As far as I can make out, the small claims court in Scotland only deals with amounts of up to £800 (not sure of exact figure). I have submitted my claims in individual years, so, if need be, I can go to the small claims court and they'll be able to deal with it there. Martin

I have been looking at the site and gathering information for a few weeks now. I put together my claims and sent them off 14/9/2006. Today I received a call from the manager of my business account. He tells me that all the relating legalities for bank charges apply only to personal accounts. Does anyone know if this is the case? I think BOS must be clutching at straws as all the information I used was found on this fantastic site. Any advice on this would be greatly appreciated as I felt I was being bullied at this early stage into accepting the charges were my fault. Thanks, Martin