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The Phantom v Bank of Scotland


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Sent prelim on 16/10/2006 to request refund of charges applied to mortgage account for late payments. £1053.22 in total which includes contractual interest. Earliest charges were early/mid 2000, so over 6 years.

 

Recieved letter refusing refund on 31st Oct.

 

Sent LBA on 2/11/2006. No response so filed N1 form at Court on 29/11/06.

 

Recieved letter this morning (2/12/06) offering "goodwill payment" of the full amount, which I will obviously accept. Unfotunately, because they missed my deadline for Court action they now owe me another £120.

 

P.

Northern Rock; S.A.R sent 11/8/06 - Delivered. Recieved details of 6 yrs charges on 8th. Wrote back asking whether or not they hold information going back further than that.

MBNA; S.A.R sent 11/8/06 - Delivered 14/8/06

Barclays; S.A.R - (Subject Access Request) request sent 11/8/06 - Del 14/8/06

Diners Club; S.A.R sent 11/8/06 - Delivered 14/8/06. Recieved form to fill and return with fee on 17/8/06. Sent form back, delivered 4/9/06.

Intelligent Finance; Prelim letter emailed 16/08/06, claiming £318. Email recieved from "Anne-Marie" 17/8/06 saying my email has been passed to Customer Relations dept. Fob-off letter received 23/8/06, letter sent in return same day - Delivered 24/8/6 Recieved letter offer 25% settelement - refused - LBA sent. MCOL on 10th revcieved notification that they intend to defend on 13th. 06/9/2006 WON!!!!!!

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Wow,

 

This early settlement is encouraging!! Just filed my N1 too for £5.4k. I'm hoping they stump up the cash soon after they recieve papers from the court too.

 

Not holding my breath tho as I'm going for contractual interest too............

Darren :p

 

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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