Hello everyone

This is my first post.

First of all thanks to this site my family managed to reclaim over £5000 pounds of bank charges from RBS last year.This was on 3 personal accounts.

So a big thank you to all the moderators and others for all the information and advice given.

I would like to now reclaim charges on a business account but have seen on business reclaiming info that it is no longer advisable to reclaim because of the OFT court case. Could somebody please give reasons why?

:?

Hello

This is my first post too!

As I understand it, you can still enter your claim for charges but because of the OFT case, if yours gets as far as court it will stop there for now.

If you are going to put in a claim you need to look at what you can claim for, because you can only go back 6 years from the date you claim so the longer you leave it, you may be losing out!

Good luck.

Hi, Type 35B.

Hello and Welcome.

My Business Claim through FOS, was paid in Full on the 20th, March 2008.

Here's their reply to me word for word.....

The FSA has recently issued further guidance on this issue and clarified that this does not apply to complaints about default charges on Business Accounts. As a result, HBOS has indicated that it is, in principal, prepared to settle such complaints. It will shortly be in touch with you directly with a settlement proposal.

Of course, if it is not possible for you to reach an agreed settlement without our further involvment, you should let us know. Similary, please tell us if your complaint is resolved, so that we can update our records, or should you have not heard from HBOS within the coming six weeks.

Have a look at my thread...

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/130094-maroondevo52-hbos-fos-business.html

Remember, you have to exhaust your Banks complaints procedure before you can complain to FOS.(Within six months of getting a Full and Final offer from your Bank )

At this time, I have not seen any more guidance from FOS on Business Claims.

Regards.

Scott.

And Hello and Welcome to you too 2008smiles.

Thanks Scott

Will get template letter from library sent off asap, will let you all know how I go on. Hope it goes as well as the personal accounts did, mind you they only paid up just before a court date was set.

Cheers Dave

let us know the bank you are claiming from and this thread can be moved there.

Thread moved to new forum for business claims