Thanks Tilly - i'm soooo pleased!!!

Hi, BOS have agreed to pay me just over £10,000 in total. They wrote offering this on the last day of their 28 days before filing a defence to my MCOL claim. They credited my account yesterday. I would be grateful if someone could change my thread title to Helpme43 vs Bank of Scotland - WON!!! This payout includes just over £1,600 of interest both at the 8% contractual rate and also interest they charged me on my overdraft. thank you, thank you, thank you CAG - the Martin Lewis site also helped. I have three other BOS accounts to go, but, in total I have now had over £13,000 back!

Hi Colin, my understanding of the tactics is that they reject you at 8 weeks and if you ring them, number on your rejection letter, they then put you into a pile for 'manager review' - the 8 week rejection is just cos they can't reply within the 8 weeks allotted, given the volume of claims they are getting. And, of course, a lot of people give up on the rejection, so it works in their favour. I would ring them and follow it up with a letter, saying you do not accept this as a final outcome and that way it keeps going. However, if you've patiently waited the 8 weeks, have you considered the next step - that is either court or the FOS? hope this helps good luck

Hi Lorraine, I filed at MCOL on 18/5 - deemed served 23/5. Acknowledged 31/5. They paid me half my claim as a pay out after manager review of my claim, not realising i had gone to court and would not take it back! I wrote and told them I would only accept as partial payment and would continue with my cliam. Have not heard anything more!! Hope I get a leter soon too! Good Luck

Hi, do you mind if I ask?: 1. how much was your claim for? 2. Did you claim the 8% interest and any contractual interest? I'm at the sameish stage as you and I would be interested to know! many thanks

Hi, the charges amount to just over £7,200. 8% interest calculated from the date the charge was made to the date MCOL was issued amounts to just over £1,420 (bear in mind that I have hardly been charged for the past three years and most of these charges are from 03/04). Then taking the monthly interest charged by the bank itself - and working out what I have been charged if I was overdrawn when the charges were made, in respect of these charges - amounts to interest of just over £970. 8% interest on this interest is then another £164. Add in the £250 court fee and voila £10,016. The interest they charged me on my charges was worked out using the complex interest spreadheet on this site - and only calculates interest if I was overdrawn when the charges were levied - this was again, only the case for part of the time. Does this make sense?

On my second, larger, claim with BOS I finally issued my court claim on 18/5/07. Today (25/5/07) I finally received a written offer from BOS - given I originally wrote on 2/3/07 this has taken some time! They have offered just over £4,100 against my claim for £7,100 of charges (which rises to £10,016 with both overdraft interest on the charges (as per the spreadshet from CAG - i.e. where you input the interest charges for a month and the amount of o/d you had that month, if any) and the 8% court interest). I have been given a number to ring re my claim, however, as I have now issued Court action I am not sure this will help me, as I now require interest and court fees as well as the basic charges to settle the claim. I will ring on Tuesday (when they are back at work) to reject the offer - by the way they have said it will go into my account within 14 days if I say nothing. And, if, as I suspect, all they are prepared to offer will be £7,100 of the charges +the £250 court fee, I fully intend to hang fire and wait to see how this takes it course. After the phone call on Tuesday I will then put the outcome of that call in writing to them, so ther is no doubt - addressing it both to customer relations and their legal department. Is that reasonable? Does anyone have any advice for this next stage? many thanks as always for all your help

OOPS! But I am feeling mighty pleased - six court battles won and one to go..... All down to help from here and also MSE. I am so pleased as my financial situation now looks a whole lot rosier!

Hi, I'd be very grateful if a moderator could move my thread and rename it as helpme43 v GE Capital - Won!!! Received payment in full for my claim - no offers before I went to MCOL - in fact no reply at all - but now offered full amount of claim, +8% interst and court fee - totalling over £300 many many thanks to everyone for all thieir help and inspiration. This money will be sued to pay bills and I am very grateful.

Hi, I'd be grateful if a moderator could move my thread as this is now helpme43 v MBNA - WON!! Received a cheque today, out of the blue, for over £400 - only fly in the ointment is that they claim to have already sent me a cheque for the rest of my claim, which I've never received. Have phoned them and they are to cancel that cheque and send me the rest this week. I won't end the court action till the cheque is received and cashed. They originally offered me just over £300 and, after filing MCOL in early May, I will now be paid in full, including 8% interest and court fee - over £745. This is a closed account with a zero balance, so this will be very welcome - I am going to use the money to pay bills. Thank you so much everyone!

Hi, could someone change the name of my thread to Helpme43 v Capital One - WON!!! Received letter today informing me that although they did not accept any liability blah, blah, blah.... but they had credited my account with the full amount of my claim, including court costs of £1,030. I have checked online, and it is there. Despite the fact that I could have asked for a cheque, as I want my debts to be reduced, I don't mind as this wipes off half my Capital One balance and it makes the removal of the rest of the balance a reality! They had until 28/5/07 to defend and I notice that they had filed a defence at MCOL today. For anyone dealing with Capital One, please note they had offerd me £312 three times before this - and had told me they would not increase their offer on each occasion. thank you to everyone for your help and support

Received letter offering full amount +court costs and 8% interest. Will post more later when have time...

When I logged on to MCOL this evening they have filed a defence and therefore the case is being transferred to my local court - As they have not written to me AT ALL - since this all started, how worried should I be? I have never had any acknowledgement of my prelim or LBA letters and no letters have been sent to me since I filed at court.

Hi Monty - re First Direct - they offered me £75 short of my full claim on my first letter - I wrote back and said no, I wanted it all and when I rang them two weeks later they paid up in full, straight away - I ahd the cheque by the end of the following week. They seem pretty easy to deal with, so, it depends on how keen you are to get your hands on the dosh - but if you want to wait just a litle bit longer you could get the whole lot back

thanks hagenuk!! This is the claim I tried to claim remission on, but the court knocked me back - have applied for remission on my big BOS cliam instead now - but been waiting over a week and still not heard from the court!!