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unspec

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About unspec

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  1. This topic was closed on 09 March 2019. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. TY Quick update: £509 went into my account today. Survey completed, best of luck to everyone else!
  3. Two forms totalling £509 arrived. BoS claim that this is a "gesture of goodwill" of course! Looks like they caved quickly, I'll update when I get the funds. So, 100% of the money owed (my first post was incorrect the real figure was £509). I'm really chuffed
  4. I sent my LBA to BoS for £509 direct to the HQ (I now live in Yorkshire) and yesterday received two calls trying a lowball offer before finally agreeing to the full amount! I must admit I thought they would put up more of a fight, but I'm not going to be totally happy until I have the money in my account. Best of luck BTW
  5. Came in from doing some shopping and got a second call from them! Was offered £200 for the second amount with the guy saying "you do realise we have costs too". I refused the offer, stating as those were unenforceable penalties I would go to my local small claims court for anything short of a full settlement. Imagine my surprise when the very nice person on the other end of the line simple caved! So, there will be two letters sent out to me (I put in two claims) to indicate that the funds are a full and final settlement. Result I'll update the thread when I get the forms.
  6. Just got a call today from BoS. They are paying the full amount for the unpaid cheque/DD (so that is one of the two letters I sent). The person on the phone had not seen the other letter, and there were no questions or papers to sign, just a full refund. So, that's £109/£109 for the first letter and £0/£400 for the second letter so far. How exciting
  7. Charge them £5 for each page.
  8. As a fellow BoS account holder, might I say congratulations! Best of luck with the other banks!
  9. I wasn't aware that they weren't defending anymore. However for completeness the link for the two documents can be found here: http://www.govanlc.com/step1_letter.html Interestingly I was under the impression that you can only ask for the interest once you start legal procedures, not before.
  10. I also live in England but my account is in Scotland. I intend just to go straight through to a local County Court, after all do they really want me taking several days off work + travel expense to attend a Court in Scotland? Fine by me.
  11. I do not _need_ to make separate claims, however reading another forum it seems that it can be prudent to do so, as for a bounced DD or cheque there is no service defence, only the question if the charge was represented the damaged caused to the bank. As to the other points I can see no mention of taking a Scottish bank to court in England, only the mention of a 'local County Court'. I assume that confirms that all my actions can be taken within England, but you know what assuming did... Thus, the question.
  12. Just tweaked the Excel file to work in OpenOffice (for some reason it didn't work in v2.0 I'm using on OS X) and worked out the charges for the last five years. £529.00 in charges. £131.96 in interest. I have sent two request for the charges to be repaid to my account. One for the unauthorised overdraft charges and a separate one for unpaid cheque and DD charges. I suspect they will get the letters on 26/04/06. I'm in England at the moment (although when some of the charges were applied I was in Scotland), so I take it I can just take it to an English court?
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