hello there, well i have eben a lurker for a wee while now and i just thought i would tell you about my pro with the bank of scotland, which up until recently i have had no prob with, but all of a sudden i have getting charged left right and centre even when i have money in my account.

Last week i got charged £90 because i i had 3 different cheques come off but i was only £1.34 over drawn, so although i had enough in my account for two of the cheques i was short on the finaly one by £1.35 so they charged me for all 3, and of course because i went over drawn i will now get charged another £28 at end of the month, it is pure profiteering which i am going to mention in my letter which i copied from the templates i might also mention writing to the papers see what they say anway enough of my rant away to post my letter wish me luck jen

Good luck Jen. Ive sent off my SAR request and once I get my statements I'll be claiming back my bank charges from the Bank of Scotland too!! I'll follow your thread see how you get on as well.

Sarah

Good luck from another noob. I've just requested my statements and sitting waiting. I too have suffered similar to you over the years and gone a few pounds overdrawn. In June I was charged a total of £150 plus £28 charges for being £18.74 overdrawn, due to small cheques for small items for kids school trips/books/after school events, which were sent by the school 6 weeks after they were written totaling £33. I spoke to the bank who said I should manage my account better. I admit that I am partly to blame, but as per other strings on the DG the charges are totally disproportianate.

that's the key. You should try to look after your account but they should be a little proportionate!

So it's time to get even!

I was the same, they drove me mad at the end, so now it's pay back. I'm waiting to see if they defend, but that menas I get to add the 8%

Good luck, you don't need it!

BOS are driving me mental, charging me left, right and centre for DDs that there is sufficient funding in my account to cover. I don't know how many times i've had to phone up - the letters/charges just seem to be computer generated with no human input to check if the charges are fair or not. I've sent my first request for a refund off and got their 'looking into it' letter. They've got 'til next Thursday then it's the threat of court! Read around and feel good that all your money can/will be reclaimed!