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Thanks for your replies. I did contact GCC 2 years ago and sent them proof that at that time we were on benefit. I heard no more till now. I have no idea if it was paid or not. Somehow I beleive it must have been, as we left there 10 year ago.BCW don't care whether it was paid or not, they just want money, and GCC don't care

Weve received a letter from BCW reagrding council tax for Glasgow City Council threatening Arrestment of Bank for an alledged debt for 1999-2000. Two years ago after a similar one I sent Glasgow City Council proof of benefit for that period, this is the first we've heard since then. The amount hasn't changed. I am confused as to whether this debt is now statute barred. ( I was of the belief that Council Tax is not). Can anyone set me straight on how to deal with this, since BCW are clearly bullies

Last week received demand from BC&W re Council Tax arrears for address in Glasgow. We left there in 2000, this is the first communication on this. Today another letter of intention from BC&W.As we no longer have any receipts etc from 2000 must I stump up, or is this debt now statute barred. As pensioners what is the minimum I can offer. I hope someone can set me straight on this.

I have just received a letter from BC&W re Council Tax arrears due to Glasgow City Council for an address we left in 2000. I have no way of knowing if this owed or not, and it was followed up today with another letter of intention.We are pensioners on Pension cr. and this is a big worry. Is it statute barred or not, I am really not clear. This is the first ever communication on this, no demands from Council prior to receiving from BC&W Hope someone can set me straight.Thanks Maybe I should have posted this in Debt in Scotland!

Hi Karen, I don't know if this helps but it certainly did for my daughter. She was in the exact position you are, and I sent the Letter of Appropriation to her branch Manager along with a more personal one referring him to the LofA attached. This was done separately from her claim for refund from BOS HQ.Her charges were refunded (on issuing of summons) and she no longer gets charges even if she has no funds to meet her commitments.Her Branch Manager took heed of her position. Good luck

My daughter went into labour 4-5 weeks early and because the baby was breech it was decided to section her.There was a lot of confusion in the labour suite and she was given little or no choice. An epidural was not offered.Three days after the birth she was visited by a Consultant(not her own) who informed her that her womb had been damaged and that there would be a need for effective contraception as she would be unable to carry any more babies.and that an artery had been cut in theatre. She didn't elaborate., my daughter was still too unwell to respond. Prior to her discharge I telephoned her midwife and asked that she be seen by her own Consultant to explain what had happened. She was,and little more was said as she was not present.She was discharged on the monday 10 days later,when baby finally gained 40grams(She was 4.7oz at birth)When the midwife didnt appear on the Tuesday I telephoned her GP as she was unwell and quite distressed, he put a call out but she failed to answer, and her Gp saw her and prescribed anti biotics. Today she went back to the Dr. as there was still no midwife and she is still unwell.Another GP has prescibed more antibiotics and wanted swabs from her wound and from the vagina. The nurse was horrified at the amount of bruising and could not take swabs from below. What I would like to know is this- where do we go from here. Who do we ask for a second opinion? The lack of post natal care is a separate issue, but I feel that her and her partner who is furious need to seek out the best possible care as she is still very fragile and clearly not well.

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Many must have encountered this problem, surely if you're the claimant you can request the cheque in your name only since the joint a/c no longer exists or the relationship. Anyone know?

another angle on this-to reject or not? Claimant claims on joint a/c held with previous partner(not an active participant on a/c) Cheque received in joint names, present bank wont accept it. Do you reject cheque and ask for it in sole names or now abandon claim???????????Tricky

thanks for this it makes the situ. much clearer as tomorrow I have to address this

I'm in a similar situation to Alymac, where 3rd party has knowledge, despite searching allrelevant sites on data Pro. and the bailiffs I cannot find whether they have breached the law. IMO they have, a party who is not involved in the debt should have not have had their particulars taken. Local authorities seem to be above the Law? Anyone know????

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I recall alymac had a similar situation and got a refund. Worth taking a look at his thread.

One down two to go! 1st CC; Balance on cc cleared and today received a cheque for remainder.Paid out charges, court fee and interest. It was due in court on Tuesday 26th. 2nd CC: Summons to be issued Monday £517.00 Plus int., fee Daughter /BOS: Summons to be issued Monday £471.00 Plus int.,fee Kinda wish I had loads more to claim. THANKS TO THIS SITE AND THOSE WHO HAVE MADE ALL THIS KNOWLEDGE AVAILABLE I AM TAKING BACK WHAT IS RIGHTFULLY MINE. A DONATION WILL FOLLOW

Staff bonus for selling big loans BANK staff are being paid bonuses of £100 a week for encouraging customes to take out big loans, a report claims. Documents leaked from two major banks reveal how bosses tell their staff to sel the loans plus the lucrative insurance policies that go with them. Unknown to customers, branch advises are cashing in with high earning rewards if they persuade them to borrow more money. Watchdogs slammed the bank staff bonus schemes as "irresponsible lending." Commission tables for Royal Bank of Scotland and Nat West reveal a scoring system where bank workers notch up extra points for flogging loans with expensive ins. plicies. The report leaked to a financial website by a bank employee shows that in-branch advisers aare able to earn a quarterly bonus of £1200 if they consistently reach a weekly target a about 2700 points over three months. Staff score 30 points if they sell a customer a loan of between £3000 and £4900. But they can pick up 90 bonus points if the loan is sold with payment protection ins. supposed to pay out if a borrower loses their income. If bank workers sell a loan of £20,000 or more, they earn 270 points. But if that loan includes ins. they get 590 points. Teresa Perchard of Citizens Avice said, "we see many cases of irresponsible lending while often the loan insurance is unsuitable or even useless." But Royal Bank spokesperson said"we take great care to ensure that the accounts are sold appropriatley and have a checklist to ensure that our customes fully understand the products and meet our eligibilty criteria." "The incentives reward both sales and service reflecting the priority we place on customer service."

todays Daily Record---

Today I issued a summons against BOS for credit card 1, I have a mind to estimate charges for card 2 and file it at the end of 7 day deadline.I think I need to take advice, haven't been well so havent been up to speed. I think it could be wrong to add it to another claim, Sherrifs can be sticklers for sticking to the point.

Hi Charlie, I sent off letter before action yesterday for non-compliance with DPA request which was sent on the 20th June. this gave 7daysto respond, but alas I really don't know how to enforce such as I believe I should go for a Court Order. Any suggestions?

Oh how I wish that was true. I am trying to get my daughters statements from the BOS for just that reason, only yesterday a £39 letter of £40 odd child benefit leaving here £1 odds. This Govt is playing into the hands of these bank robbers by the changes in how benefit is paid. Many times she has been left with only half of what the law says she needs to live on.

I hope that I haven't ruined my claim, but I was sick of the BOS phoning every day, sometimes twice, that I have settled the outstanding balance on husbands CC minus the £480 unlawful charges(its still climbing). I had writen to Blair& co offering same, at the same time as I had sent Preliminary request for repayment. Do I stick to my origional calendar and this week send off LBA? Today I sent BOS a stop harassment letter or else! (and I mean it, thought it was only DCA's who took this road) DPA self sent 20.6. DPA daughter sent 20.6

Here's an update on how I'm progressing. BOS Visa (hubby's) DPA sent 22/5, statements rec. 22/6, Pre. req. for payment of £480 sent 24/6 Blair Scott & Oliver - letter sent offering £xxxx in full and final payment minus the £480 26/7 WOW- BOS phoned this evening 27/6 not accepting offer(they now talk with a forked tongue). Told her that was tough, that it would have been a useful if not small cash injection. She had no knowledge of my letter requesting refund!!! BOS Visa (mine) DPA sent 20/6 BOS (Daughters A/C) DPA sent 26/6 Thanks to all those who have made this site available.

Bank of Scotland Got a letter friday re credit card from blair oliver and scott courtesy of the bos, in a panic searched all the debt advice sites and found you folks via glc. What a mind blowing experience this weekend has been, .Today sent off first dpa - more to go. I am a novice on the pc, so bear with me if I stumble.