My application against the Bank of Scotland was stayed this week even though I met the FSAs recommendations and definitions on hardship. I wrote a cover letter to the District Judge stating clearly why my claim should be dealt with now under the following criteria: 1.I had incurred over £500 of charges in the previous 12 months 2. I was regularly exceeding my overdraft limit 3. I was facing repossession 4. I had suffered a large drop in income. The Bank of Scotland has claimed that I am not suffering hardship and despite my letter the District Judge stayed my claim. I have also complained about The Bank of Scotland to the FSA. I would also advise anybody who has had their bank account shut down as a result of issuing a claim to complain separately again to the FSA. Nationwide paid me £250 in compensation when the FSA wrote to them over this following my complaint. Dont let the banks get away with punishing you for recovering money which they took from you in the first place!!

I went to the Derby Combined Court to file against The Bank of Scotland and was told that the Court was staying claims. I wrote a covering letter to the District Judge and submitted my claim with full supporting correspondence which I had sent to The Bank of Scotland which explained why my case should be dealt with now under hardship. I met several of the hardship definitions and recomendations detailed by the FSO. I had incurred over £500 of bank charges in the previous 12 months and been regularly overdarawn, facing repossession and having had a drop in income. Despite of this the District Judge has chose to stay my claim. I have also complained to the FSA that The Bank of Scotland are disregarding the hardship reccomendations and I will post the outcome of the separate complaint. If the banks shut your bank account down when you complain or file in Court it is worth making a further complaint to the FSA as I recieved £250 from the Nationwide as compensation for doing this after the FSA upheld my complaint. It is worth complaining of this as the banks have no right to punish you for reclaiming money that they have taken from an individuals bank account without permission.