yea this is the norm just keep to the template timescales to let them know you really are taking them the full way on your terms not theirs

JD:p

Hi guys, i only managed to get my lba away on the 5-4-07, few days late now on my timescale but keeping the pressure on, problem is ive checked the rec del no' at the PO website and its been delivered from their leeds office? last letter went to edinburgh? any ideas why it should go to leeds as it was posted to dumfermline customer services

cheers JD

LBA sent today.

I fully expect to go the full road and am totally up for it, keeping to schedule suggested in the templates, thank's to everyone for the great support from in this forum,

I'm very confident about pursuing this to the template time scales and hopefully it will put some pressure on the banks to respond in a fair amount of time rather than their time scales.

Thanks to this forum I feel confident about going all the way and really would like to challenge them in a court of law whether the charges are in fact legal, I am so confident and am actually looking fwd to day in court

JD

Hi there read through the FAQ's and bank template letters first thats the best advice I was given at the beginning, it will save a lot of time and help avoid making any mistakes, read my thread Johniedepp v bos

keep fighting or theyll keep charging

Good luck JD

cheers mate I think for the LBA I'll use the English version, I cant see any difference at my end? and It will keepme to my time scales

Best of luck JD

I wasnt in credit at the time the english template calcs it at around £500 so can I claim both the interest and the 8%??????

HELP PLEASE can anyone advise on scottish complex spreadsheet as when i try to use it it will not calulate the correct sums for me? the english one seems to work fine? need this for my LBA tommorrow so ANY HELP BEFORE THEN WOULD BE GREAT

Cheers JD

Thanks for including me in your reply aldav45, have you tried using the scottish spreadsheet in bank templates, I coudnt get it to work, Jowalshi said he/ she would help if I PM ed her to have a look but I got no reply, like yourself i'm preparing my LBA and could do with some help please see my other thread Me V BOS for uodates

Good luck keep you posted

JD

Hi Guys having probs with the scottish version of bank template letter the english version seems to calculate the interest fine, is this a problem anyone else has encountered or should I ignore claiming with interest and stick to claim for charges + judicial interest

any advice would be apprieciated as I'm sending my LBA tommorow

Cheers JD

cheers jowalshy have now sent the spreadsheet

JD

hi jowalshi found the spreadsheets THANKS

Now I'm started im a bit confused.

in the interest columns it has not calculated interest for some entries and the total interest for £2600 claim is pushing the Fig Up to £25,332 ????? must be doin something wrong

any ideas

I could PM you if that helps

Cheers JD

where can I find the "advanced spreadsheet" I've had a look round and cant see it

JD

Cheers jowalshy, I'll have a look and get back to you

JD

Hi Guys looking for some help I'm now beginning to prepare my LBA in a template from the Library Some questions I have are The LBA begins with stating that I am very disappointed that you have failed to respond to my letters of the 09/03/07. But they did respond saying they were justified in their charge etc.?

also it says "I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX.

I am enclosing a copy of the schedule of the charges which I am claiming. I have already sent you a copy of this in my original letter of the [XXDATE OF FIRST LETTERXX]

How do I work out the overdraft interest or is this the 8% calculated on the spreadheet. Sorry if this sound a bit stuoid but I'm reaaly not sure if this is the correct template letter for me

JD

thanks guys appreciate the support it helps give me confidence to go full way, hopefully when ive came through this i'll also be able to help some others get their cash back.

power to the people

JD

Hi aldav45 Im in the same boat as yourself but you are a few days ahead of me as I only recieved my "Fob off letter" today

good luck keep me updated to any developments and if I GET ANY NEWS I'll do the same

cheers

jd

Recieved letter today dated 20th march stating "that we are sorry to learn you are unhappy etc...... and that the Financial Services Authority gives them 8 weeks to investigate and respond to complaints?

Any advice on whether I should wait till then or press on with original deadline as set out in the LBA.

Cheers JD

thanks jowalshy forkeeping me right, in my prelim letter the template said they should reply within 7 days of reciept, i'll give them to the 28th as by that time it will be 14 days since the prelim letter, and i'll then send off the LBA ivereally got the bit between my teeth and am definately going the full way

cheers jd

so far recieved no replied to my initial letter, checked the rec delivery had been delivered and it was recieved on the 13th so its now onto the "ignore" template letter giving them 5 working days to reply or I will complain to the financial ombudsman that they have failed to reply to my complaint.

posting it today so 3rd letter will be due to besent on 28th mar will keep an update if anything else happens in between

cheers jd

Bank of scotland

ive just sent off letter(11/03/07) rec delivery claming £2653 from bos which the charged me over the last six years

not heard anything yet

thanks in advance for any support:)

hi Ive just sent off my first letter on the 11/03/2007 for £2653 will let you know how i get on

still not heard anything yet

johnie:confused:

Hi there I have just begun a cliam sent my first letter with list of charges and as I also bank with BOS my case is very similar to yours I sent off my rec delkivery letter monday 11/03/o7 andgave the 7 days to reply so by my reconing the time has elapsed. what should I do now

Hi new to this I have just begun a cliam sent my first letter with list of charges, I sent off my rec delivery letter monday 11/03/o7 and gave them 7 days to reply so by my reconing the time has elapsed.

I see people talking about sending LBA (whats this?) Ive als seen on another site that you should send an ignore letter, anyone have any ideas what should I do now or should I leave it a bit longer

Johnie:-?

Thanks a lot as im new to this im still trying to find my way round the site