Hello and welcome, Soloman15. I have already won 1 claim against BOS and that was a Business Account. The terms I used were 'the Unfair Terms in Consumer Regulations(1999) and the Unfair Contract Term Act(1977)' I have just started a Summary Cause action against them using the same terms. Due in court in March, I'll let you know how I get on. There is a template in the Bank Templates Library for Business Accounts.Have a look in the BOS Forum and start a thread to let us know how your getting on. Best wishes with your claim. Regards. Scott.

Hi, Still not sure how you can't do 4 x Summary Cause, don't the courts in Shetland work the same as the rest. Seems odd. Regards. Scott.

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

Hello, In Scotland you can claim between £750(Small Claims) or £1,500(Summary Cause) Both will cost you £39 Court Fee. If you go Small Claims the court will do everthing for you and all you could loose would be £39.00. If you go Summary Cause the court will send back your papers and you will have to employ a Sheriffs Officer to serve your claim.This cost me £15.97. The court will send you a list of local Sheriff Officers you can use. If you were to loose your Summary Cause claim(very doubtful) you would have to pay somewhere in the high hundreds court costs.You would have to do your claims one at a time, takes a wee while to get all your cash back but Hey! you have nothing back at the moment. Take some time to read the F.A.Q.s and Step-By-Step Guides then have a look in your banks forum, read a few threads then start one yourself. There are plenty people willing to help you out. Best wishes with your claim's. Regards. Scott.

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

Hello and welcome Nelly75, Good to hear another HBOS customer claiming back their charges. I've already won one claim and in the process of another. Start a thread in the HBOS Forum to keep us up to date with your progress. Best wishes with your claim. Regards. Scott.

Hi Helen, Just forget about the chap and start court action. He's also wishing you would go away ! Take them to court, you will get your money. Regards. Scott.

Hi Helen, I think what I would do is deduct the £1,000 from your claim then file it. I'm not realy sure what the score is with your claim. Hopefully someone with more knowledge than me will help you out. It sounds like a stalling procedure by the bank hoping you'll be happy with the grand and go away ! Best wishes. Regards. Scott.

I've only claimed once and they closed my account and asked me to cut up my Visa card.(nice people). Regards. Scott.

Hello and welcome Jim, I'm sure if you do all the leg work your son will be more than delighted for you to get his money back. Read all the .F.A.Q.s and Step-By-Step Guides. Have a look in your son's Bank Forum and read some threads then start a thread of your own.Everthing you need to get your son's money back is on this site, just takes some time to take it all in. There is always someone in the same boat as your son willing to help you out. Best wishes with your claim. Regards. Scott.

Hello and Welcome, Have a look at the F.A.Q.s and Step-By Step Guides. Everything you need to claim back your money is on this site, just takes some time to take it all in.Have a look in the Barclays Forum, read a few threads then ask some questions, I'm sure someone in there will help you out. Best wishes with your claim. Regards. Scott.

Hi, I think you have to claim one at a time as the judge may lump all your claims together. Not sure if that's true, but read it somewhere. Regards. Scott.

Hello and welcome, Yes you can claim back your charges from a Business Account. I have already claimed some charges back from BOS and i'm in the process of claiming back more with my first Summary Cause claim.You can go back 6 years in England and 5 years if your in Scotland. I think in England you can claim online for up to £5,000. but in Scotland you can only claim £750(small claims) or £1,500 (Summary Cause). You have to make your claim in Scotland at your local Sheriff Court. Have a read at all the F.A.Q.s and Step-By-Step Guides, the more info you take in now makes the whole process so much easier. Claiming as a business is slightly different from claiming from a personal account, there is a letter in the Bank Templates Library for Business Accounts. Start a thread in your banks forum to let us know how your getting on. Best wishes with your claim. Regards. Scott.

Hi Donald, It cost me £15.97. for the sheriff's Officer, but as you say the bank will have to swallow that. I think the reason some people don't want to go down the Summary Cause route is when claiming Small Claims the only thing you will loose is your £39.00 court fee.(if you were to loose) but if you were to loose using Summary Cause it could cost you somewhere in the high hundreds.I was told by the Sheriff's Clerk I'd have to be the most unluckiest person on the planet to loose! Best wishes with your claim. Regards. Scott.

Hi abra15, Summary Cause will cost you £39.00. The court will then send your papers back to you and you have to get a Sheriff's Officer to serve them on the defender. This cost me £15.97. The court gives you a list of local Sheriff's Officers and you can claim the costs back. Best wishes with your claim's. Regards. Scott.

Hi, Best wishes with your claim. Start a new thread in your banks forum and keep us posted. Regards. Scott.

Great News Stephanie, Well Done! Regards. Scott.

Hello and welcome, musette. I think the £10 covers all information held by the bank on yourself. Take some time to read the F.A.Q.s and Step-By-Step guides. The more info you take in now the easier and quicker you will get your money back.Have a look in the Halifax Forum, read a few threads then start your own.There are people in the same boat as you willing to help you out. Best wishes with your claim's. Regards. Scott.

Hi, Redhoppy, Good to hear your claiming back what is rightfully yours. Keep us posted on how your getting on. Best wishes with your claim. Regards. Scott.

Hello and welcome, Oscar99. I'm in Scotland so had to go Small Claims, I believe if you have an English Address you could use for correspondence you can claim online with the max claim £5,000. In Scotland you can also claim using Summary Cause, this lets you claim up to £1,500. I've just filed my first one.Hopefully someone more clued up on things will help you out.You should go for every penny they are due you, it's better in your pocket. Best wishes with your claim. Regards. Scott.

Superb Gass ! Well done. Regards. Scott.

Hello and welcome, Issac. Go for it! It's Your money. I thought I was bad at running my account with BOS, but after reading some of the horror stories on here, there are thousands of people in the same boat, some sinking faster than others. The bank would love it if you were to " just let it go ".Remember it's your money and you will get it back. Have a look in the Barclays forum, read a few threads then ask some questions. There are lots of people in there willing to help you out. Best wishes with your claim. Regards. Scott.

Hi, Brian. Have a look in Forums, scroll to Other Institutions and Citycard. I'm not sure if thats the same lot. Hope this helps. Regards. Scott.

Hi and well done, Don't think I could have got that far without coming onto this site and asking a lot of questions. Start your own thread in the Halifax forum and keep us posted. Regards. Scott.

Hello and welcome Craig, If I can recover all my Bank Charges then anybody can. I am totally useless with letters ect, it took me a while reading round this site and asking people for advice but I got there in the end.Just remember it's YOUR money. The banks will do all they can to put you off. Read all the F.A.Q.s and Step-By-Step Guides, have a look in your banks forum, read a few threads then start one yourself, there are lots of people willing to help you out.The bank will be delighted if you gave up now. You have come to the right place to get your money back, everthing you need is on this site, just takes some time to take it all in. Best wishes. Regards. Scott.