Claiming £937 from Bank of Scotland. Had a 'phone call on Friday offering me £138!!!!

Too busy to talk on Friday and said I would call them back - should I bother??

What do I do next? Can I claim for the £937 or does it have to be under £750

Where do I get the court papers from? Getting mixed up looking at all the different threads - have ended up getting more confused:confused:

Can anyone point me in the right direction??

Thanks for "listening"

Carol

OK, what letters have you sent so far?

Have sent the first letter asking for statements.

Received statements and worked out how much they had charged me.

Sent letter with spreadsheet asking for money.

Then had 'phone call on Friday offering me £138.

Do I now 'phone them back and try to discuss my claim with them or do I go on and go down the court route? If so - how?

Just had a lovely big Sunday dinner and am feeling recharged and ready to go!!

Thanks for any advice,

Carol

why not give them a ring and see what happens? youve nothing to lose apart from the cost of a call. if not totally satisfied. then court????

Have had another 'phone call from BOS now offering me £340. Said that I would take it as partial payment but that I will continue with my claim for full amount.

Have completed the letter before action and am going to send them another copy of my spreadsheet - do I include the interest yet?

Does anyone have a link on how to complete court papers in Scotland?

Thanks,

Carol

Hi,

Don't add the interest until you file your claim in Court.

Go to Forums-Guidance Notes-Scottish Procedure.

Best Wishes.

Scott.

Dear All,

Have just received a letter from BOS. Part of which states

"As a gesture of goodwill I offered to reund you £355.00 of charges to your account, which you do not wish to accept"

He did offer this on the 'phone and I said I would accept it as part payment and continue to claim for the rest.

It then goes on to say "We are not prepared to refund all the charges that you have incurred on your account"

Should I have just accepted the £355? I am actually claiming for £987.

I had actually already posted my LBA giving them a further 14 days or I would complete the court papers - am I on the right track or should I just give up??

Many thanks

Carol

Carol, absolutely do not give up.

I would send a letter to the bank repeating that you were prepared to accept the 355 as part payment and are still prepared to do so. That said, as a gesture of goodwill you will give them a further 7 days (or even stick to your LBA timescale, if this offers them around a week from now) to meet your demand in full, otherwise you will proceed with a claim without further communication with them. As long as you are being reasonable and giving them a realistic chance to settle within a realistic timeframe, this is all you need to prove right now.

If you need a hand with the wording, let me know.

Do not accept the 355. You are due a lot more and have not messed up, so dont worry.

j

Thanks Weej,

I'll give it a shot:p and keep going,

many thanks

Carol

I have completed my court papers now and raring to go.....only problem I now have is when I saved my schedule of charges I didn't include the interest.

I now want to add on the 8% but can't work out how to do this without starting from scratch with a new form

I am sure I should be able to add in the interest onto my existing saved form but can't work out what to do......can anyone help?

I have been driving myself about crazy this afternoon trying to fill in the correct court papers, then my printer ran out of ink, then the paper jammed and now I can't work out what to do about the spreadsheet.

Is it more bother than it's worth:?:

Need to go and have some more chocolate..........

thanks

Carol