Hi Guys just thought I would keep you up to date with the Bank of scotland actions if there is anyone out there like me. Read everything on the post but still feel very lost.

1 - 8 May 2006 - Asked for statements for past 6 years for account a and b. Branch where I hold account b declined.

2- 8 May 2006 wrote letter to account b to supply details.

3 - 16 May 2006 - Received statements for account a and calculated cost £1041 + £69.27 interest = £1110.27.

4 - 16 May 2006 - Sent letter asking money backon account a £1041

5 - 25 May 2006 - Received reply dated 24 May 2006 for account b.

Dear Mr....

Thank you for your recent letter dated 8th May

I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the account affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result.

We clearly outline our charging our charging policy in the terms and conditions that apply to your account. In addition we are commited to complying with the banking code, which sets standards of good banking practise for banks and building societies to follow when dealing with personal customers. The terms and conditions of your account state that you must have funds in your account to cover your transactions. We cannot be responsible if you have authorised payments against funds that were not available.

I understand that you would like to receive information about specific transactions on your account when manual intervention was required. We are under no statutory obligation to record the information you require and thus are unable to comply with your request.

We are keen to help you avoid any unnecessary charges by providing various ways to keep track of your account.......bleh bleh telephone banking etc..

Ultimately it is your responsibility to manage your account. However as a gesture of goodwill I am prepared to refund £20.00 of charges in full and final settlement of your complaint. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return the enclosed acceptance form in the pre paid envelope.

If you would like to discuss your concerns, please contact me on 08457 253 519.

Damian Robertshaw

Customer relations Manager

6 - 25 May 2006 telephoned the nice people and spoke to Eilleen she took about 5 minutes to read my file hehehehe. Explained I want my statements for account b and have not received it. She said she will order them up and also asked if I am willing to accept the £20. I declined.

Good Luck

Did you send the £10? If you have 2 accounts, you dont need separate claims, you can do them together.

Good Luck

Lou x

No I tried handing them the money over the counter when I asked for my statements, also my 2 accounts are at different branches and I got referred from the one to the other :)They took £5 out of each account. So I am just playing their little game and doing everything to the book.Funny thing is they are really pounding me with bank charges at the moment! Took a personal loan repayment early causing it to bounce after all whos got £200 laying around 1 day before pay day?? Gonna be taking that one up as my agreement states on the 1st of each month...£39 and immediately charged me £28 to be overdrawn by the £39 they took. Think they might be angry with me lol. Just confused if so many people are winning and they are breaking the law why act nasty and stand the risk of looking even worse in the news papers?

7. Still no statements for account b phoned telephone banking and asked what the problem was. Lee advised me the statements can take up to 10 working days ..so will have to wait a bit longer.

swerwer

i have been i contact with the bank of scotland today and ask them to issue my account statements for past 6 years they said it would cos £5 which is ok. Did you recieve any information on point 4 yet did you get your money back

Brian

No Brian I am still struggling to get them to release the last accounts statements. As far as I can gather out of their responses you would have to be prepared to go to the sheriffs court and lodge a complaint as they have no intentions of settling as yet. Chambers street in Edinburgh. Good luck and I will keep everyone posted.

15 June still no statements for account b! Called bank of scotland telephone banking and spoke to Kathy who transferred me to a department that said I called the wrong number. Btw go to online service and click on complaint procedures... it just signs you out lol! Ok so called back and spoke to Graham who transferred me to Rowina. She assured me the statements are on there way. Wonder what to do if they refuse to release statements??

Hi there,

You really need to have a good reaad through the FAQ's you will find all the answers to your questions in there. It is vital when proceeding with a claim from your bank that you follow the correct procedures.

In the template library you will find a template to use to request the statements you require. This is done under the Data Protection Act or DPA as it is often reffered to on here. If you send that letter plus the £10 change the bank cannot refuse your request for statements or they are in trouble.

So send the bank your DPA with £10 (this covers all acounts held with any one bank and they have 40 days to respond.

Hope this helps

Woolfie

Woolfie I did read the Faq and I did send a dpa request... the bank didnt respond to the dpa within the 40 days ...you say they are in deep trouble so erm...where do I go from here????

First of all you need to double check that they received the DPA. Did you send it special delivery? Then you will need to write to the IC the information commisioner. There is a section in the FAQ's called DPA non compliance which will help with this. Also you should do a forum search for DPA non compliance.

Sorry I cant be a lot more help here but I havent had this problem myself.

Reccon it is yet another stalling technique from the bank tho.

If you have any more questions feel free to post them here and I will try and get some more answers for you.

Good Luck

Woolfie

Hi all, just want to say, i love this site and what it's doing.

A friend passed me the link to here and ive had a smile on my face ever since :D .

I have just sent off request statements letter for the past 6 years, before i did this, i was in my branch of BOS in Morningside, Edinburgh to try and get some help with the esculating charges + over draft they have put me in, anyway i thought i would ask about getting previous statements and was told they only keep one year on pc record and all statements before that time where templates and would cost me around £35 per month's statement to obtain them (£2100 to get my full history). lol

Hi Lee and welcome to the forum.

You should start your own thread as you have hijacked someone elses here and they get all upset when you do that!!

Anyways best of luck with your charges and any questions let one of us know.

Cheers

Woolfie

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