Hello all,

I had sent my DPA request (standard letter from library) for Halifax & Bank Of Scotland credit card on the 5th June.

Today received two thick brown letters containing my statement for the last 6 years.

The cover letter states . . .

---------------------------

Dear Mr XXXX

Our Reference: xxxx xxxx xxxx xxxx

I refer to your recent communication and enclose a copy of your statements(s).

I hope this meets your requirements.

Your Sincerely

Amy Lawrie

---------------------------

I did not just ask for the statements but also any manual intervention (as per the standard DPA letter).

Dose anyone think it is worth chasing them for this? Or should I just add up the fines and request repayment ???

thanks in advance,

Hondamad21:)

Dont worry about manual intervention, just add the charges and you're away!

Good luck

Hi,

Sent my DPA on the 5th June. Received my statements on the 22nd June. Sent initial letter. Received reply yesterday. . .

“Thank you for your letter . . .

We incur costs for administering . . .Bank believes it is fair . . .

Charges clearly outlined in terms and conditions . . .Complying with the Banking Code.

To demonstrate our commitment to you as a valued customer, prepared to offer a refund for half the amount applied to your account in the past six years. “

If anyone wants the full version I can type it up for them.

Just wondering dose anyone have a letter to basically say that I accept this as a part settlement and I will continue proceeding until then ?

Thanks in advance,

Hondamad

Hi Hondamad,

Unfortunatley if you say you will fight for the balance of charges still owed they will probably withdraw the offer and make you fight for all of it.

BoS called me and I was offered around a quater of my charges back, I said yes please but i will go to court to get the rest, next day i got a letter saying i had declined the offer as Full and Final settlement.

Sorry if this is not what you wanted to hear.

Mairi

Hi Mairi,

I expected as much. But I am willing to hold out for the full refund.

So what happened with your claim?

Regards,

Hondamad

Hi Hondamad,

I had to submitt my first of many small claims to the court on 6/6. And am hanging around waiting for the return date 18 Aug.

Havn't heard a cheap from them yet.

Mairi

Hi,

Received a letter from BOS CC today offering the to pay back the charges. However they are refusing to pay the interest that was charged to me for the unlawful charges. To confirm I am not talking about the 8% we add when we take the claim to court but the interest that they have charged me, which i calculated through Vampiress great spreadsheet.

Should I accept this offer or hold out for the full sum that includes the interest I have had to pay?

kind regards,

Hondamad21

hondamad21,

Seems to me you should hold out for the full amount as if BOS wants to take issue with the amount you have added on for interest then they will, ultimately, have no option but to see you in court.

Clearly, the chances of this happening are remote though it might, I guess, mean it takes you a little longer to get your money.

Fred_Funk

I agree. They will try their best to put you off, but I can't see the sense in them going to court for this small part, which is a genuine attempt to work out the interest.

Accept only on the basis that it is a partial settlement, and make it clear that they will face court costs plus interest persuant to s.69 County Courts Act if they don't settle your claim in full