Hi guys. I have sent an LBA last week to BOS (£965) and RBOS (£350). I have had the usual fob off from each. Come the 14 day point I'll submit my claim to the court.

I'll keep you posted.

Hi Rudi, and welcome. sounds like u know what you're doing but if you get stuck don't be shy.

You won't need it - but good luck anyway!

I notice that on the weekly court lists at the Glasgow Sheriff Court, the Summary Cause cases of individuals against banks rarely show that a law firm is acting for either side. Does this mean that in cases like ours, the banks arent even appointing court solicitors, as it would be a further waste of their (our) money.

What I find most despicable, is that they keep charging and denying claims, whilst settling others at the very same time. Bank staff have clearly been instructed to lie to customers and claim that they dont know of any such successfull claims.

If you want to see successful claims, take a look at the survey results which in fact only show a percentage of the results from this site, alone.

Also have a look at the success sub-forums in the various bank forums.

Good luck with your claim.

Regards, Rooster.

Thanks, Ah say thanks Rooster.

I spoke to Willie Carson, Customer Care Manager at BOS (on 0845 850 0431), this morning, after recieving his letter denying my claim. I asked him why he would deny my claim whilst settling many many others. Would n't he just have to cough up like they did for all the others? Was I a special case, and different to all of the other claims that they have settled?

He refused to comment on other cases, but said that he was unaware that anyone had been repaid their charges. I made it clear that I would be submitting my court papers as soon as the 14 days notice had run out, unless they saw sense and paid the money to me.

We'll see what happens.

Willie Carson (the jockey?? lol) WASN'T AWARE OF OTHER SETTLEMENTS? lmao

That's the sort of stonewalling attitude that prompted my avatar.

Keep up the good work!

I just received a letter from the Royal Bank of Scotland to confirm that, whilst admitting no wrongdoing, they are repaying me the full £350 in unlawful charges they took off me!

Now all I need is for the Bank of Scotland to give me the £965 that they owe me too.

I'm pretty chuffed!

HI Rudi

I got my claim settled with RBOS on first letter. I think you have a better chance of getting it settled quickly if your claim is below £500. Both claims of mine that have been settled quickly have been below £500.

Good luck. I'm about to start court proceedings with BOS. They havent even had the decency to acknowledge my letters.

Kind regards

Gemspan

I've just recieved a letter from Margaret Wilson, Deputy Team Manager, at the Bank of Scotland. She is confirming that they "are not prepared to refund the charges levied, for the reasons stated in Willie's (Carson) letter".

I'm going to phone her now.

Hi Rudi

I wouldnt get involved in telephone conversations with BOS unless it is to finalise settlement. Keep to your plan of action. If they are not prepared to refund the charges then you take them to court. Its that simple. They will then refund the charges!!!!!

Dont stress yourself out by speaking to them; they will only seek to confuse you and intimidate you. There is a system you should follow and I would recommend that you keep to the system and not rise to their bait!!!

Good luck

Gemspan