Hi all,

I am trying to claim back over 6 grand from the Bank of Scotland in Edinburgh.

They have offered me 325 pounds and have said that " Having considered all

the circumstances of the case, it seems we have reached the position where

no further explanations will serve any useful purpose".

I am a self employed Painter and Decorator and have had many sleepless nights

over these bank charges, last year alone I was charged 1,870.00 pounds.

I have a business account and just wondered what to do next, I know I can only go back 5 years but I beleive the small claims courts in Scotland only let you make a claim for 750 pounds. Can I make 5 seperate claims for this amount?

Any help would be great.

Thanks,

Scott.

Start reading the forum material but concentrate also in the Scottish forum where you will get lots of help and advice.

Robertxc is Scottish and has had amazing results against Scottish banks. I am sure that he will watch out for you and support you.

Read the FAQ and the forum material to begin with.

Which bank is it? Some Scottish people have sued English banks in England under English rules even though the accounts were opened in Scotland

Start reading the forum material but concentrate also in the Scottish forum where you will get lots of help and advice.

 

Robertxc is Scottish and has had amazing results against Scottish banks. I am sure that he will watch out for you and support you.

 

Read the FAQ and the forum material to begin with.

Which bank is it? Some Scottish people have sued English banks in England under English rules even though the accounts were opened in Scotland

It's the Bank of Scotland, Head Office in Edinburgh.

I have read the FAQ ect but I am still toiling.

Start postin in the BOS forum and see what responses you get

It's the Bank of Scotland, Head Office in Edinburgh.

I have read the FAQ ect but I am still toiling.

Can you confirm whether you live in Scotland or England? If you happen to be in england you can sue them there, and the limit is £5k. If you're in Scotland, not to worry. You'll still get your dosh back, it will just take longer.

Hi Scott,

 

Can you confirm whether you live in Scotland or England? If you happen to be in england you can sue them there, and the limit is £5k. If you're in Scotland, not to worry. You'll still get your dosh back, it will just take longer.

Yes I live in Edinburgh and have had this account with them for about 28 years.

Hi,

Posted a message in MSE regarding the £750 limit in Scotland and was directed here. I have prepared my interest and total charges, which total £4086. Then I read with dissapointment today that I can only claim £750. However I read something about splitting the claim. Is this possible?

Yes, it's possible, but you have to do them consequetively - one after the other. Don't overlap them at all, or the bank will go to court to have them joined into one. You could also read the FAQs about Summary Cause, which has a limit of £1500

Thanks for the reply. I am also checking our using an English adress as I have relatives there. Is this legal and what if the bank or court find out. Can they do anything about it?

I don't know, but if the account is registered in Scotland, you might have problems.

Hi

I have been reading various thread on reclaiming. When you split the charges up and and go through the small claims process does it mean that you are charged £39.00 for each claim. We are about to embark on this reclaiming and will be doing our homework over this weekend to get the ball rolling.

Hi,

Yes you have to pay £39 for every claim you make but you can claim this back from your bank. Think about starting your own thread in this forum, there are loads of people willing to help you out. Read all the F.A.Q.s and Step-By-Step Guides.

Best wishes with your claim.

Regards.

Scott.