Hi

I'm a new member and I've been looking through this site for the last few days, trying to take it all in.

First of all I live in Scotland.

Since I opened my BOS account in 1998 I have retained all my statements. (I always told my wife they might come in handy)

I've composed a spreadsheet of my last five years charges.

The charges are listed into 2 main types.

1. Excess O/D Charge,

2. Charges to & Interest to

charges 2 always appear together in the statement.

I therfore do not require to obtain a list of charges to my bank, so I should now be ready to write a Preliminary approach letter.

In the template in the section 'What I require' .

The first value, is this all Excess O/D charges + Charges to ?

And the second value, all Interest to amounts ?

I know I've more questions, but the answer to these would help get me started.

many thanks

Ian

Not Ian Duncan the piper by any chance?

I'm no expert, feeling my way through all this myself, but my understanding is that the first amount is as you describe. The second one is only the interest that has been charged because the charge made you overdrawn - so if you were charged, say, £100, and this made you overdrawn by £200 for two weeks, your interest claim is for interest on £100 for two weeks. Yes, it's rather complicated to work out

Cheers,

Calum

Hi Calum

Unfortunetly I'm not a piper, I couldn't even hold a tune in a bucket !

Thanks for the info, I've now calculated the charges and interest. I've now sent the PA letter via recorded delivery.

i'll keep this post updated with my progress.

cheers

Ian

good luck Ian, read bigcols thread in the rbs forum it very good for dealing with rbos.

The BOS received my letter on the 15th Sept (posted 11th Sept) and sent me a letter about them investigating and could take up to 4 weeks.

I've now got my LBA letter ready to be posted.

Should this not be posted until 29th Sept (14 days after they've replied to my PA letter ?)

Any info appreciated

Ian

I have done the same thing. I just got my investigation letter and little booklet on how to complain today. I will give them 14 days from today and then send the next letter. I think your about 4 days ahead of me. Good Luck ! Firey

Well, not heard back from the bank, so I've posted my LBA today, they should receive tomorrow (29th).

I'll keep this post updated with my progress.

cheers

Ian

Hi there

first time using this site and looking for some advice

i am at the stage ready to put info into spreadsheet but cant seem to locate it (having a dumb moment)

1. how do you get the spreadsheet? where is it located

Here you go

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

Right, just back from holiday, received another fob off letter from the bank.

Time for court. I'm going to do it using a Summary Clause as the cost is about £1100, this will save having to do multiple claims.

Any major differences between using Small claims and Summary Clause (Remember I'm in Scotland)?

thanks

Ian

apart from potentially exposing yourself the the bank's legal costs - nothing really.

99.9%chance this wont happen as

a) the judge is highly unlikely to award costs to a bank at the expense of an individual and

b) It wont get to court anyway!

in other words......"Fill yer boots!"

j

Thanks for the prompt reply.

Do you know where I can get the Summary Clause forms?

thanks

Ian

you can get them here:

Summary Cause Forms

I believe you only need forms 1 and 1b

also, have a read through scotias thread at

http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

This shoud give you everything you need.

j