haha sorry mate just i seen all the english cases going to court but up here the claims are different, so wondered what the difference was

the ball is well and truly in motion now. once i get the letter from the FO i'll feel a lot better, dusary since this case is in scotland what happens once the FO get involved?

still keep getting fobbed off! "we have until the 14th of august...blah blah blah...8 weeks blah blah blah" the girl on the phone from the bank there seemed like a genuinely nice person and has now e-mail a senior manager etc with the stage i'm at as i said my first letter with enclosed bank charges etc came through sometime in may so how can 8 weeks be august 14th?!. Is this good or bad?!

right... haha next step completed. just off the phone to a very helpful at the FO. my complaint form to open an independent investigation will be sent to me in the next few days. now....i'm about to call the bank and let them know off this? all sound ok so far?

okay doke!!! their time is up. still no reply and i've waited at least 16 days between the two lbs i sent. do i call the FO first? thanks for the help everyone, the finishing line is in sight!!

tick tick tick! haha. getting there now, Actually looking forward to the next step! i take it once i send over my complaint to the FO i send a copy to the bank to let them know i am pressing further action, i've been waiting years for this..! Cheers for the help so far folks

ok........... just called the HBOS to confirm my 2nd letter had arrived, it had. but the woman in customer relations pointed out to me they now have until the 16th of august to reply?!?! i beg her pardon. i was sure they had only 14 days! any idea why they would give themselves that amount of time? sorry about all these questions!

Hi sea-side lady! masterloan, on behalf of...Alliace & Leicester! whom i have never dealt with. which i find unreal, considering they have gave me 48 hours to pay this sum and this being my first correspondance! thanks, i'll start preparing for the final stage

Also, does anyone know what number i should call to do enquire about this? would just like to chance my luck today and see what happens if i get through

Hi again everyone right i'm now wondering if i should maybe give the bank a call to see where i'm at,i've sent my LBA well a letter very similiar to the bank which would have been delivered monday/yesterday latest. with my threat to issure further action in 7 or 14 days respectively. should i call or shoul i wait...i just don't want to sit around twiddling my thumbs! hope everyones cases are going well oh and heres an interesting fact. i got a notice from a collection company!? today asking for payment of £200 from my account...i do not have any loans! I paid of all outstanding debt last year....very strange

good work!! i'm patiently waiting for the days to start ticking down now too..

perfect i'll take a wee look just now, thank tilly seems a bit crazy that i'm going to file a court claim against...a bank!

perfect! right i think i know where i stand now, which is ideal...just a case of waiting to see what their next move is then?! one thing i have noticed by looking around though is that i never included interest charges in my claim... i'm also hazarding a guess that they will try and put this off for as long as possible?

Thank you Tilly! i'm a bit naive here but i'm gueesing the LBA would be the second letter "i'm dissapointed you have decided not to refund my charges....i wish to hear from you within 7 days or i will take the following action....small claims court...FOB etc" or... The LBA being when i get the financial obsduman involved? Cheers!

Hi all, Came across these forums through an other bank chagres site, happy to be a part of it! my current situation is that i have just recieved the standard fob of letter yesterday, a couple of useful pamphlets...haha & a 2 page photo copied letter trying to throw me off the scent. I am currently reclaiming around £2000 in charges from the HBOS after 3 nightmare years with this bank resulting in failed payments to loans etc after the ridiculous amount of charges i would recieve each month. I am overdrawn though, what would be the likelyhood they close my account down IF they do decide to pay up? Also, whats the estimated time etc after sending the 2nd letter (today) threatening to take them to court etc any help and a rough idea of where to go from here would be very much appreciated!