Hi DS, Sorry I've not got a clue. You should start a new thread, I'm sure someone will help you out. Regards. Scott.

Hi Harry, They have 40 days to get your info back to you. Regards. Scott.

Hi, Tweedtech. Sounds like you've done your homework and are heading in the right direction. I think one Summary and one Small Claims is the way to go. They are almost identical, with small claims the court take your £39 then do the rest for you. With Summary Cause you pay your £39 then the court will send your papers back and you have to get a Sheriff's Officer to serve your claim. This cost me £15.97. All costs you can claim back from your bank. Give me a shout if you need any more help. Start a thread in the Bank of Scotland forum. Best wishes with your claim. Regards. Scott.

Hello and welcome, zoett. What's to be frightened off. They unlawfully took your money and you want it back, end off. Read all the F.A.Q.s and Step-By-Step Guides. you should spend a few days getting to know this site and finding out where you can get help. Have a look in the First Direct Forum, read a few threads then start one yourself. There are plenty of people in the same boat as you willing to help. Just remember it's your money and you will get it back. Have a look in the First Direct Success Forum, that will give you more confidence. Best wishes with your claim. Regards. Scott.

Hi, yvette. I just looked in the forums for Sainsbury's, could not find it so had a look in Other Institutions, and Bingo. More luck than anything else. I'm not sure if there's a search thingy on here. Regards. Scott.

Hi Julieblue, Looks like your heading in the right direction. Remember to post threads in the Abbey and Lloyds TSB forums. Lets people in the same boat as you know what the score is. Best wishes with your claims. Regards. Scott.

Hi, Sorry miss read your post. Customer Services Sainsbury's Bank Card Services Pitreavie Business Park Dunfermline KY99 4BS Yvette, There's a thread you should read. It's in Forums ..Other Institutions...Other Institutions Successes. It's on the second page....BONG vs Sainsbury's Bank Card Services. Hope this helps. Regards. Scott.

Hi, Yvette, The S.A.R. letter is in the Bank Templates Library (Forums). Regards. Scott.

Hi Malx, To find all posts by yourself, click on your name and you'll find them. Best wishes with your claim. Regards. Scott.

Hello and welcome Mincer, Take some time to read all the F.A.Q.s and Step-By-Step Guides.Have a look in your banks forum, read afew threads then start one yourself. Best wishes with your claim. Regards. Scott.

Summary Cause Summons served on Capital One Bank. 17th January 2007.

Summary Cause Summons served on the Bank of Scotland 22nd January 2007.

Hi, My first claim against BOS was Small Claims, which I won. My second is Summary Cause, due in court early March. The sheriff clerk in Edinburgh told me i'd have to be the most unluckiest person on the planet if I ended up in court. Said I could loose somewhere in the high hundreds but thought this was very very unlikley. You are right about the almost no risk with Small Claims, I think all you would loose was your £39.00 court fee. Its really up to you, how quick do you need the cash ? Best wishes with your claim or claim's. Regards. Scott.

Hello and welcome Tramman, Start a thread in the YB Forum, sure you'll get plenty of help. Best wishes with your claim. Regards. Scott.

Hello and welcome Sedge209, Good to hear your on the right road to recovery. Have a look in the Lloyds Forum, read a few threads then start one your self. Your certainly in the right place to get your cash back. Best wishes with your claim. Regards. Scott.

Hello and welcome, Have a look in the Northern Rock Forum, someone in there will help you out. Regards. Scott.

Hi McWoodgnome, I'm also in the process of claiming from HBoS on a Business Account. They paid me in full for my first claim,(then shut my account) I'm now on my second claim, this time using Summary Cause. Due in court in March, I'll let you know how I get on. Best wishes with your claim. Regards. Scott.

Hello and welcome Iris14, Good to hear your getting the ball rolling. Have a look in the Barclays Forum , read a few threads then start one yourself, keep people updated with your claim. There are a few horror stories on this site, you just have to spend some time looking for them !Look in the Forums, bound to be something in there of interest. Best Wishes with your claim. Regards. Scott.

Hello and welcome, Bigal8000. That's the spirit! It's your money and you will get it back. Read all the F.A.Q.s and Step-By-Step Guides, I think I spent about a week scouting around this site trying to suss everthing out. The more you take in now the easier and quicker the cash will be back in your pocket. Have a look in the Natwest Forum, read a few threads then start one yourself, plenty people there will help you out. Best wishes with your claim. Regards. Scott.

Hi, Your doing the right thing setting up another account, I was with the Bank Of Scotland for about 27 years untill I won my first claim. They then gave me 30 days to close my account and asked me to cut up my Visa card (nice people!). I have about £1,800 on the card but they said I should carry on making payments as normal and didn't ask me to pay the lot back at once. I'm not sure about your loan with Natwest, someone in the Natwest Forum should be able to help you on that one. I know it seems daunting but if I can take my bank to court and win, then anybody can. Just remember its your money and you will get it back. Have a look at the Natwest Successes, they are bound to cheer you up. Best wishes with your claim. Regards. Scott.

Hello and welcome, Read as much on this site as possible before starting your claim. Read all the F.A.Q.s and Step-By-Step Guides, there is a lot to take in, but the more you digest the easier your claim will be. Have a look in the Halifax Forum, read a few threads then start one yourself. There are plenty of people in the same boat as you willing to help you out. Best wishes with your claim. Regards. Scott.

Hello and welcome, You should re-claim all your bank charges. Read all the F.A.Q.s and Step-By-Step Guides. Have a look in the Natwest Forum read a few threads then start one yourself. The charges to your account are legally unenforceable and you should demand the repayment of your money. Regards. Scott.

Hi, Killbi11, You should go down the Summary Cause route. Its the same as Small Claims but you can claim up to £1,500. When you hand in your forms and pay your £39 court fee, the court will send your papers back and you must employ a Sheriff's Officer to serve your claim, this cost me £15.97 which you can claim back. The court will send you a list of local Sheriff Officers. You will get all your cash twice as fast. Hope this helps. Regards. Scott.

Hi, Squeekyclean, In Box 4 Claim(form of decree or other order sought) Put: 1. The persuer claims from the defender the sum of £xxxxx 2. £xxx Interest from xx/xx/19xx to xx/xx/20xx 3. plus the expenses of bringing the action. Section 7. takes a bit of time for me to type out. I'll try and get back to you soon. Hope this helps. Regards. Scott.

Hi Andy, Have a look in the A & L Forum, read a few threads then start your own. Helps people that are in the same boat as you know what the score is. Best wishes with your claim. Regards. Scott.