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
    Basic Account Holder
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    You'll regret it if you don't.
    klfman Novitiate



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    Default klf vs Bank of Scotland

    Sent initial request for statements for 2 accounts on 6th Nov, received them on Sat 2nd Dec. Except statements for current account only dated from Jul 2003 so phoned up and requested that remainder were sent out immediately (no doubt sending out onle half statement is a standard tactic from bank)

    Added up charges for Bill Payment account and in the space of 11 months the charges come to 1108 . Due to some sort of administrative error by bank member of staff my bill payment account was never configured so that enough money was going into account to cover my bills (all bills were fixed) so over a period of time it went into unauthorised overdraft and then i was getting hit with 30 charges for every DDicon going through account. The account was never more than 200 over its limit as money was always going into it and yet bank charged over 1000 in that period, evidence in itself that their charges do not reflect the cost of administration.

    I've compiled the spreadsheeet and am about to send it of, but would like to know if i should send it to local branch where account held or head office in Edinburgh.

    The bill payment account was to cover bank of scotland loan as well and because of adminicon error on it i incurred equiv penalty charges on the loan as well, is it possible to also claim these back?

    I'll keep u updated with my progress...

    Kind Regards
    KLF

    p.s. As a side note, I live is rural community in lowland scotland and went to my local branch in early 2004 to ask if the bank could accept some responsibilty for failure to configure bill payment account correctly (NOTE Some, being the operative word) I was told that the problem was entirely my fault for having my quote "head in sand" and that bank would not refund any of the charges. I also at that time didn't have a full list of statements and asked if they could print of duplicates and was told it would cost 5 per statement!!! This website has been a real eye opener, even in a local branch in rural community the bank have their staff well trained and have turned them into corporate monkeys. I knew the person i was talking to reasonably well and even then he couldn't bring himself to give me my statments or at least be honest and say it would cost 10 under data protection act.

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  2. #2
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    lesleya Novitiate



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    Cagger since : Mar 2006
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    Default Re: klf vs Bank of Scotland

    Hi

    Isn't it scary how much money has been charged once you sit down and tally it all up - my total was 5k+ over three years!

    I have been using the following address in all of my correspondence:

    Bank of Scotland
    Customer Relations
    PO Box 29112
    Dunfermline
    KY11 2ZX

    To date they have been very good at replying and have settled two small claimsicon fairly sharpish! - I feel like I am slowly getting to know everyone in the department!

    Keep us posted of your progress - Good luck
    L

    BoS-sm claim1 return date 23.11.06
    633.12 settled 05/10/06 (no 8% interest!!!)
    BoS-sm claim2 return date 07.12.06
    512.00 settled 04/12/06
    BOS - sm claim 3 lodged 02.11.06 for 701.86
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  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.
    dazdm2001 Novitiate



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    Cagger since : Dec 2006
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    Default Re: klf vs Bank of Scotland

    Ahhhh, The infamous bill payment account!!!!!

    We after some persuasion from the bank set up one of these three years ago, And had nothing but trouble with it along the same lines as yourself, To cut along story short at the time a friend of my partners worked in the bank and luckily enough when she went along to discuss this with the bank it was this guy she spoke to, He managed to refund us the money and we closed the bill payment account.

    They sure can sting you with alot of charges over a short
    period of time, I just sent my request for statements of today. for the rest of the money they owe us. Good luck with your claim. Darren



Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
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