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Omg This thing is scary


Jen Runciman
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Bank of Scotland v Cowbag 13

Story so far

25 Aug sent the S.A.R - (Subject Access Request) letter, received my statements on day 42.

Sent letter requesting repayment of charges on 3 November for last 6 years amounting to £6118.30 before interest. Now as my branch is in England but i live in Scotland i understand i can claim in English courts, please correct me if i'm wrong now. The bank have written to me refusing payment so am about to send letter threatening court action before i plough ahead with the actual court. As i say this is very scary. All help greatly appreciated. i also understand that if i am successful the bank has to re instate my credit rating as it is at an all time low!!!!:|

Cowbag 13

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All the answers are here...spend as much time as you can reading other peoples threads. Everyone has the same fear about this point.

 

Can't advise you regarding the courts thing, somebody else will no doubt.

 

I'm at the LBA stage claiming £8200 before interest so the wife is nervous as h*ll.

 

The FAQS are very helpful too....

 

Good luck

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Yes Jen, they're all right about that - but it'll be the most worthwhile headache you've ever had. You should indeed be able to claim through the English courts if the defendant has offices or branches in England.

 

Check out the threads about Contractual Interest, too. They are big, but they ARE WORTHWHILE. Don't send your LBA until you have read them, and understand what a difference claiming it can make.

 

The people here are truly amazing. Dive in, read up, and ask around.

 

All the best,

 

Bill. :)

 

PS - You'll probably find your defendant down there is HBOS plc., Trinity Rd., Halifax - or possibly their Leeds office.

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Thanks very much for your replies they are all greatly appreciated. I am reading as much as i can before i need to lock myself in the padded room!!! I get to a point though where too much info starts to get confusing, must be a blonde thing!!!

Cowbag 13

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Thanks very much for your replies they are all greatly appreciated. I am reading as much as i can before i need to lock myself in the padded room!!! I get to a point though where too much info starts to get confusing, must be a blonde thing!!!

 

No, Jen - I ain't no dumb blond, either, but it can be a bit like studying for an exam. You have to do it gradually, then you have to do it again !!

 

Not easy for simians like me, but I found it fascinating first of all, especially when you see what some of the guys here know. Then you start to get to know some of the regulars, and it becomes a little village. Don't hurry, though - it ain't a walk in the park. More like a game of golf - you won't get to the 19th if you rush it !!

 

HTH

 

Bill.

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No, Jen - I ain't no dumb blond, either, but it can be a bit like studying for an exam. You have to do it gradually, then you have to do it again !!

 

Not easy for simians like me, but I found it fascinating first of all, especially when you see what some of the guys here know. Then you start to get to know some of the regulars, and it becomes a little village. Don't hurry, though - it ain't a walk in the park. More like a game of golf - you won't get to the 19th if you rush it !!

 

HTH

 

Bill.

 

Get back in your cage - you'll scare the poor girl!

 

Hi Jen,

 

Bill is right a few days and you will start to understand the wholething and your confidence will grow - well his has anyway now hes over 400!

 

Any questions Jen just postthem and someone wil lanswer.

Consumer Health Forums - where you can discuss any health or relationship matters.

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Get back in your cage - you'll scare the poor girl!

 

Hi Jen,

 

Bill is right a few days and you will start to understand the wholething and your confidence will grow - well his has anyway now hes over 400!

 

Any questions Jen just postthem and someone wil lanswer.

 

Dammit, Gizmo !! You caught me doing my jungle strut !!

 

See what I mean, Jen - there's always someone watching out for you.

 

Dammit !! :lol:

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