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)


Results 1 to 19 of 19
  1. #1
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Forkandles V Bank of Scotland ***SETTLEMENT ACCEPTED***

    Initial letter sent today by recorded delivery.
    One copy to local branch, the other to Trinity Road, halifaxicon.
    Trying to recover a total of 2199 in charges and interest.
    Will keep you updated as to what happens.

    Similar Threads:

  2. #2

    Default Re: Forkandles V Bank of Scotland

    no, handles for forks!

    Welcome aboard and good luck, we will watch out for updates

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Follows
    0
    Following
    0

  3. #3
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    Well that's 14 days up tomorrow and not a dickie bird from them. According to the Royal Mail website my letters were delivered, but no reply.
    lbaicon being sent off tomorrow.
    Will keep you posted.


  4. #4

    Default Re: Forkandles V Bank of Scotland

    I suspect they're just a little busy

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Follows
    0
    Following
    0

  5. #5
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    Just a quick question, hope you all don't mind.
    As I am at the lbaicon stage, do I stick with my full ammounts or do I start to break them down to prepare for court, as it seems advisible to keep claims to 750 max.

    I am claiming for two accounts one for 1078.50 and the other for 1120.50




  6. #6
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Mar 2006

    Posts
    215

    Default Re: Forkandles V Bank of Scotland

    Are you in Scotland or England? Where was the contract made?

    BOS - Prelim letter del 19/5/06 LBA del. no response - filed 12/06
    Clydesdale Financial Services - Gave them their chances off to court we go!
    HSBC - Watch out I'm coming after you next!

    If you like anything I say click the scales!
    Follows
    0
    Following
    0

  7. #7
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    I am in Scotland. One letter was sent to my local branch, the other to retail bank collections in halifaxicon.

    I have an agreement where I am paying money back to these accounts and now use another bank for my banking as I am having real debt issues. If I can get the money back then it would half the ammount that I owe to them.:-|


  8. #8
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    Sorry, just to clarify the accounts were opened in Scotland. So everything done up here, well before the Merger/Takeover!


  9. #9
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    And on the 14th day a letter arrives............

    Dear Forkandles,
    it is my understanding that you are unhappy at the charges that have been applied to your accounts over recent months, and you feel that these should be refunded as dictated by recent Office of Fair Trading investigations.

    Having started it's investigation into charges in 2004, the Office of Fair Trading (OFT) confirmed its opinion that default charges, as they are called, of more than 12 should be considered unfair.

    We have noted the comments made by the OFT and have co-operated fully with the OFT during the consultation process and will naturally continue to do so. However, we cannot comment further at this stage, as we need to fully assess and understand the recent announcement.

    At the moment the statement refers specifically to credit cards, but is likely to be expanded to other products in the near future. HBOS along with other lenders will respond to the OFT statement in due course.

    Charges are specifically applied to customers whose transactions fall outside the parameters that have been set. It is approriate that an individual whose balance was insufficient to meet payments that he/she has made should bear the cost of the additional administration incurred as a result, rather than expect this to be absorbed by the shareholders as a whole. They are only applied when transactions fall outside the limits that have been set and they are thus valid.

    In regard to your credit file I can confirm that this is a true and accurate reflection of how the account has been maintained. In light of this we would not be able to ammend any information.

    I am sorry that this letter does not provide you with the response you are seeking however I trust this clarifies matters for you. I have enclosed a copy of our complaints leaflet, which explains our procedures.

    Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsmanicon Service for assistance. If I do not hear from you within the next eight weeks I will assume you are satisfied with our response to your letter.

    Yours
    Liam Pollitt

    This letter was sent from halifaxicon, at Trinity Road.

    Any comments please.


  10. #10

    Default Re: Forkandles V Bank of Scotland

    Waffle.

    Just proceed with your claim.

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Follows
    0
    Following
    0

  11. #11
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    Thanks for the comments.

    After going through other posts I have decided to send the lbaicon, but asking for just 750 as this seems to be the best way to proceed in Scotland.

    What I would like to know, do I just arrive at this figure through charges alone or do I try to get this figure from charges and the overdraft interest?

    I do intend to go after all the charges, but in 750 blocks, so this may take a little while.

    Any thoughts comments?


  12. #12

    Default Re: Forkandles V Bank of Scotland

    750 in charges

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Follows
    0
    Following
    0

  13. #13
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    Another letter arrives....

    Dear Forkandles,
    Thankyou for your letter...blah,blah.....ch arges are justified....blah,blah... ..However, as a gesture of goodwillicon I am prepared to refund 475 of charges in Full and finalicon settlement of your complaint. This amount covers both accounts, 250 for one and 225 for the other.

    Thankyou, but no thanks I want ALL my money back and will be writing to let them know. I am so glad they sent this letter, because now I feel that they are on the run and will at some point cave in and give me money back.

    The letter was sent form Retail Banking in Rosyth.


  14. #14
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    lbaicon sent of yesterday (21/6/06) to branch and halifaxicon for 730 in charges from 2001 to 2005. I included a list of all the charges dates etc.

    For fun I sent a reply to the letter offering me some of my money back, saying that I would take that, but that I also wanted the rest from them. Lets see what they come up with next.:grin:


  15. #15

    Default Re: Forkandles V Bank of Scotland

    I've just had fun with them today on the phone. Will post more details early next week as I don't want to compromise my position....

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Follows
    0
    Following
    0

  16. #16
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Unhappy Re: Forkandles V Bank of Scotland

    Was getting ready to head to court with a claim for 730 (first block of charges) when I get a phone callicon and letter offering 1413 for both accounts, it breaks down as follows:

    Account one: charges claimed 995.00
    bank offer 749.00
    difference -246.00

    Account two: Charges claimed 1027.00
    bank offer 664.00
    Difference -363.00

    Total claimed 2022.00
    Bank offer 1413.00
    Difference - 609.00

    The figures quoted do not included any interest. To be honest I am thinking about taking this offer. This is due to the fact that i have to claim in 750 (max) blocks in Scotland and the thought of having to do this for months at a time does not seem that appealing.

    Any comments................. .....


  17. #17
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Apr 2006

    Posts
    13

    Default Re: Forkandles V Bank of Scotland

    Have decided to accept the offer.

    Good luck to everyone else in their quest, I'm sure that all will go well.


  18. #18
    Basic Account Holder
    Do you record your calls?
    You'll regret it if you don't.




    Follow Real_CAG on Twitter
    Cagger since : Jun 2006

    Posts
    10

    Default Re: Forkandles V Bank of Scotland

    you got 1400 back, and saved futher hassle, dont think you can be blamed for taking the offer, well done


  19. #19

    Default Re: Forkandles V Bank of Scotland ***SETTLEMENT ACCEPTED***

    Congratulations

    Would you take a moment to fill out the survey please?

    ..

    .

    Opinions given herein are made informally by myself as a lay-person in good faith based on personal experience. For legal advice, you must always consult a registered and insured lawyer.


    Follows
    0
    Following
    0


Reclaim the Right Ltd. - reg.05783665 in the UK reg. office:- 923 Finchley Road London NW11 7PE
We use cookies to personalise content and ads and to provide social media features. We also share information about your use of our site with our advertising and analytics partners. See details