thanks! i must admit i am tempered a little...heres why on my previous repsonse from BOS, they said they will review all my current banking situations with them in light of any further claims..., and close down all my accounts. i have a 1500 pounds overdraught, so dont want to risk having to pay that all back at once.. is this threat legal, and do you think this new Capital letter will be enough for them to go ahead with the threats? thanks again

hi all, new member today, just sent my 1st letter off to them. A certain (most likely) made up Mr G. Stanfield. Also a copy to the banking ombudsman... great site!! used Govan Law Centre last year for a successful claim of £700 at first attempt, although im hearing Capital are much harder to win with.....we shall see.... that Charterhall address is the new one 100%, so defo correct. Who is Capital Bank Chief Exec?, anyone know?? My story is a cracker... : They sent 5 letters demanding over 100pounds in letter sending charges after i missed a DD on xmas eve......TO THE WRONG ADDRESS!!! My old neighbor delivered them to me and even though they then sent a 6th letter to my correct address, they kept on the charges knowing they had sent to the wrong address..... keeping aside the whole issue of unfair charging, this is total scumism. may actually just throw my car keys in an envelope and tell them to ram it, as im 50% thru my payments anyway...