Hi,

Came across this site about a month ago and decided to find out how much the bank took from me in charges. When I was a student about 2 years ago I got a lot of charges to my current account, I was thinking about £200-£300 in total. I was totally gob smacked when I got my statements in and the total charges before interest was £2,386!!!

Sent of my prelim letter on 17/08/06 so hopefully I will hear something shortly!

Timeline

---------

Data Protection Act sent - 25/07/06

Data Protection Act Money Cashed - 02/08/06

Data Protection Act Acknowledgement Letter - 09/08/06

Statements from 04/04 to 08/06 received - 14/08/06

Statements from 08/00 to 03/04 received - 16/08/06

Prelim Letter sent for £2,386 - 17/08/06

Welcome to the site......good to see you started the process and are well underway.

I too am claiming with the Rbs and mines at advanced stage.

Keep reading other threads as its helpful to know.....

Will be watching your progress.

Got standard letter today saying sorry that I am unhappy with the charges and they will contact me within 4 weeks.

Will wait til 31st aug til I send LBA

No follow your timescale.....and they been advised on that Lba as soon as its due !

Yeah the 14 days are up on the 31st of this month so I will wait til then to send the LBA even tho I know I wont hear anything else from them!

LBA sent on the 1st sept, hopefully I will get better response to this

Heard nothing back from my LBA so I am going to go down to the local court on Monday and make a clam.

However I think I have made a wee mistake. The first charge I am claiming for starts on 29/01/01. Because I am in scotland I can only claim for 5 years, what date should I use as starting 5 years from, the day I sent for the data protection act?

Any advice would be great

29/01/2001

As far as I know BOS like HBOS has an English office so you could claim through english courts. Then you can claim the 6 years and saves you puttung multiple claims in with the scottish limit being £750. If you have an address in England you can use then you can claim via moneyclaim online, otherwise you need to fill in an N1 form. For 5 years in scotland, I think it dates back to 5 years from date you requested statements so break them down into chunks and start the first claim, by the time you get to the most recent one you may even have more charges to claim back...

Good luck...I am just starting out and waiting for statements...

Hi,

Thanks for that.

What I am going to do is just break it down into claims of £750, I have calculated the 8% interest and going to fill out the court papers today and hand them in on monday. Would someone be willing to look over the papers etc before I submit them to the court. I am really worried that I am going to make a mess of it!

What is it you need us to look over for you? Im sure we can help. put as much as you can on here so you will get a few peoples opinions on things, im sure its fine. Good Luck.

When I handed in my claim at the Sheriff Court the lady behind the counter went through everthing, she even changed things that I had got wrong.

Hope this helps.

Scott.

Hi,

Thanks for the input, I have checked over the forms tonight and I am pretty sure I have got everything right, I was just panicing

Claim for £735 + £260 interst + £39 court fee's will be submitted tomorrow!

You could file a summary cause. This allows you to claim up to £1500. The only difference is that if you lose at court you have to pay their defence fee's. As we all know this is very unlikely to go to court, but it is your decision. I filed a summary cause at the sherrif court and got a settlement within 3 weeks.

When I win this claim I think I will do the rest of the charges I have by doing a summary clause, I will see how this goes first of all

Claim was filed on the 19th September!

well done

Got a letter from the court today, Return Day is 27/10/06 and the Hearing Date is 03/11/06.

good luck! keep us posted.

I Won!!!

Got a letter this morning saying its not in there interest to pursue the claim so they are paying £735 for the bank chanrges, £260 for the interest and £39 court fee's to my bank in the next 7 working days. Total £1,034 donation will soon be on its way.

I am going to send the bank a letter saying that this claim was part of a bigger claim and I will be pursing the rest. They have 7 days to pay the rest of the money in full else I will be submitting another court claim. Is that the best way to do it?

CONGRATULATIONS

Well done your determination paid off and shows yet again people power !!!!

Please complete the survey for us........a donation would be nice too

You will need to set out what these other charges are and send a schedule.

Are we talking about charges applied since the claim started ?If so send them the letter yes.Its worth a try but you may have to run another claim.

I have had no charges on my account for a good year now, these charges are all from 2-4 years ago. I broke the charges down because I am in scotland and wanted to go the small claims route.

Do you think I should just go ahead with the other part of my claim ?

Yes I do.

Get the prelim out ......no reason to wait.

Am certain they will not refund the earlier charges without court action.

Brilliant news. Well done

Fantastic!!!!! :D Well done!

Wxx