Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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Thread: Help please

  1. #1

    Default Help please

    Hi after sending my second letter (lbaicon) demanding repayment of 965 I received a phone callicon from the Bank of Scotland offering to increase their goodwill refund from 120 to 325. Now I refused over the phone and she said oh well your bad luck I will send you a copy of how to contact the financial Ombudsman service. She said - 'please understand that we are not prepared to refund all of the charges that you have incurred on your account over the last six years.' I told her i would be going to the small claimsicon court.

    Can any one advise me what has the financial ombudsman got to do with this - she also mentioned that the oft statement about bank charges being unfair only related to credit cards - is this true. What do I do now?


  2. #2

    Default Re: Help please

    Stick to your guns scare tactics that is your money and she knows it, take the next step file a claim, I'm sure they will son see you mean business


  3. #3

    Default Re: Help please

    at least you`ve had offers lol, im at the claim stage (papers served on the 9th) and i`ve had nothing, not even an acknowledgment hehe, but andrea is right, stick to your guns and you`ll soon get it all back.

    The finanancial ombudsmen just deal with complaints, its a lenghy process and not worth dealing with, court is the way to go now.

    Good luck


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