I am at the stage before sherriff court currently looking to claim around the £2400 mark.

I have sent my LBA and the deadline has expired, just got their standard template. so im about to toddle off to the sherriff court.

Before i do this do you think i should give customer relations a ring and see if they will re-think there mistake? If they pay me now they'll only be benefiting themselves in the long run.

I would call them...it shows that you have exhausted every avenue, but they probably won't play ball. You'll end up having to issue court proceedings anyway (I think)

good luck

Dave

Let us know how you get on!!

will do. im phoning first thing in the morning so ive got time to go to the court if they tell me to shove it.

Ok. I spoke to tommy mclean directly this morning and he said that he is going to get some nice chap called neil to give me a ring back later to let me know if there is anything else they can do. I've been honest with them and stated that if they are able to refund at least £1500 then i'll drop it. However that is the lowest i'm willing to accept and if a suitable arrangement can't be made then i'll be taking my behind upto the sherriff court (its on my route to work anyway).

Ill let you know what happens.

YAY! good for you

IMHO I would settle for 552 (my claim is for 792) giving them 12 quid a charge. ONCE A MONTH. I think that in this day and age if I went over my overdraft I should be penalised and that 12 quid is ao OK sum.

The thing is we all know they are going to have to make money some how.

Did not hear back from neither tommy or neil. I will give them one last days grace today and then i'm going to the sherriff court. if there due me over 2k sure as hell im not going to sit about and let them keep it

Just a little update, I got a letter offering me £1235 which i have accepted and i am waiting on payment. However what i want to know is i have a 1000 over draft at the mo but i am approximately 1200 overdrawn. Will the bank use the offer to clear my full overdraft including the agreed one? or will the just clear the unauthorised £200 and let me keep my other one? if they clear it then this past 2 months has been a complete waste of time, but i will say that if it does i will be going to the sheriff court to claim the rest and also the newspapers.

Oh and by the way, Full and final setllement my @r$e.

I am about in the same position as you are Bajills, I will accept 552 out of my 792 and would REALLY rather not file a claim, all of the form filling, legal stuff just seems a bit stressful and I work about 78 hours a week so could really rather do without.. for the sake of 250 quid I would rather settle early.

How did you reach Tommy Mclean directly?

They will probably credit the amount into your current. Are you worried they will revoke your o/d?

I am very worried about them revoking my overdraft. I need the money.

I dont think they will, however you could ask them to send you a cheque?

i read somewhere in this forum that the bank doesnt want to close your account as it may cause bad publicity. But definately get a parachute account.