Marc Gander - The Consumer Survival Handbook


A 220 page introduction to all things consumer related by our own BankFodder.

Includes energy companies, mobile phone providers, retailers, banks, insurance companies,debt collection agencies, reclaim companies, secondhand car sellers, cowboy garages, cowboy builders and all the rest who put their own profits before you.

£6.99



Patricia Pearl - Small Claims Procedure - A Practical Guide


An excellent guide for the layperson in how to use the County Court - a must if you are intending to start a claim.

£19.99 + £1.50 (P&P)


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  1. #1
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    stuart30 Novitiate



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    Wink BOS- LBA 750 Claim Limit?

    I am at the lbaicon stage.

    In my previous letter which I sent on the 16/11 I claimed for 888 in overdraft charges. They didn't receive the letter until the 21/11, so I am calculating the 14day period from the date they received and not the date I sent it. I have received a standard letter saying they would deal with my complaint and get back to me within 4 weeks. However I am sticking to the 14 day deadline and am planning to send the LBA on the 5th Dec (Is this ok?)

    What I wanted to know is whether I should drop the charges I am claiming in the LBA to 750? I can't find a section on scottish small claimsicon on the forum but a few threads seem to suggest that the maximum that can be claimed in the scottish smalls claim court is 750. Is this correct? If so how do I explain/phrase my dropping the figure I am claiming from 888 to 750 in the LBA?


    Thanks in advance for any suggestions/advice

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  2. #2
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    bramble2000 Novitiate



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    Default Re: BOS- LBA 750 Claim Limit?

    Hi, i am in a similar situation
    I sent a letter to BOS on 26th Oct they reciaved it on 1/11 stating they would reply within 4 weeks
    sent another letter today 30/11 saying they would make a desion by 28/12
    Can THEY really take that long (8 weeks)?


  3. #3
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    detones Novitiate detones's Avatar



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    Default Re: BOS- LBA 750 Claim Limit?

    just use the summary cause claim. it gives you a limit of 1500 and it's the same form as the small claimsicon.

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  4. #4
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    stuart30 Novitiate



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    Default Re: BOS- LBA 750 Claim Limit?

    Thanks for that. Hmm. think I'll be sending the lbaicon when their 14 days is up then. They didn't give me a single days grace when they were applying their charges.


  5. #5
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    javorb Novitiate



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    Default Re: BOS- LBA 750 Claim Limit?

    i have just sent off a letter claiming 6663 from the bos,anyone out there had high claims settled.di any of you claim back the account maintenance charges?


  6. #6
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    Default Re: BOS- LBA 750 Claim Limit?

    Stick to the timetable!! It is more than reasonable!!

    These are just stalling tactics.

    They tried it with me too.......

    Darren

    BOS - WON - 5.6k
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    Virgin Mastercard - WON - 300
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    Barclaycard - WON - 200
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    Lloyds - WON - 1.6k
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  7. #7
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    detones Novitiate detones's Avatar



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    Default Re: BOS- LBA 750 Claim Limit?

    Quote Originally Posted by javorb View Post
    i have just sent off a letter claiming 6663 from the bos,anyone out there had high claims settled.di any of you claim back the account maintenance charges?
    i'm claiming the account maintenance charges back. they are still a charge and i'm sure the bank didn't do 28 worth of maintenance to my account each month.

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  8. #8
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    javorb Novitiate



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    Default Re: BOS- LBA 750 Claim Limit?

    I Am Considering Going Through One Of The Companies To Claimback ,since My Claim Is Over 5000,i Am Not That Confident About Going To Court ,one Of The Companies Take No Fee ,they Claim Interest Only


  9. #9
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    dazzaboy2 Novitiate dazzaboy2's Avatar



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    Default Re: BOS- LBA 750 Claim Limit?

    JavorB, don't!!

    Not one of these claims has ever ended up in court. I'm the same......claiming 5.4k, just posted my N1 to the court las week so am expecting something to happen in the next week to 10 days.

    Follow the guides on this site and you'll be hunky dory!!

    Darren

    BOS - WON - 5.6k
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  10. #10
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    gemspan Informative gemspan Informative



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    Default Re: BOS- LBA 750 Claim Limit?

    Hi thereI am confused! I have received my statements from BOS for 2 bank accounts. Not all the statements are included and it would appear the ones when halifaxicon became involved are not there. I am assuming they will arrive shortly. From the statements I have, I have been charged almost 2700 in charges (not including the maintenance charges - I will have to add those too!). I did notice that the maintenance charges jumped from 15 to 28 which is absolutely ridiculous.Can somebody please clarify the following:1. In Scotland, do you claim for 5 or 6 yearsicon?2. If a claim is high, would you go to summary cause. What is BOS settle on a Full and finalicon settlement meaning you can't claim anything else? What court should it go to and what is the limit. Do you put the claims in all under one claim?3. What about returned items charges? I am claiming these along with everything else, it is a penalty charge. Am I wrong?4. Should I wait until I receive all my statements to make my claim and should I make the claim on a "per account" basis ie current account, credit card, budget account etc.,I thought I had this all sussed but there seems to be conflicting information and I just want to make sure I get this right.Thanks a lotAnnie


  11. #11
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    mchristie Novitiate



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    Default Re: BOS- LBA 750 Claim Limit?

    Hi there

    I too am in the process of trying to claim bank charges of 9122, which includes interest from Bank of Scotland and would like to see what kind of response Gemspan gets.

    Response to her questions above that is, not her claim LOL Although of course that will be interesting to. I'm just poised ready to send the letter once the above questions are answered.

    Thanks

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