Hi joolz, I forgot to calculate my interest when I claimed against BOS.They settled my claim in full on my return date. I then wrote to them asking for my £200 odd in interest and my £39 court fee. They payed both within a couple of days. Best wishes. Scott

Hi, the best way to find out is to go to Forums and scroll down to the Royal Bank of Scotland...Bank of Scotland forum. There are loads of Rbs and Bos customers in there. Ask a question and you will get a helpfull reply. Best wishes. Scott.

Hi and welcome, Best thing to do first is go to Forums and read the FAQs. Everthing you need is on this site, it just takes some time to read. There are different forums for each Bank scroll, down find your bank and post a question, there are lots of people in the same boat as you willing to give you all the help you need. Best wishes Scott.

Hi and welcome, You will find your 2nd letter in the Bank Templates Library. Go to ..............Forums........Bank Templates Library.....Letter Before Action. This gives them 14 days to give you back your money or you take them to court. Stick to the 14 days, they will stall you all they can. Everything you need is on this site, just takes a wee while to read through it. Go to the Halifax bank forum, you'll get help from plenty more halifax customers. Best wishes. Scott.

Hello, Glasgowceltic, want some advice from a jambo ? Go to forums then scroll down to Royal Bank of Scotland and Bank of Scotland post a question, there's loads of punters willing to help you out. It takes a wee while to get into this site but everything you need is here. You will get your cash back. Hope this helps. Scott. p.s. Romanov's not the full shilling !!!!!!!

Hi, Read all the FAQ'S, then take some time to look round the site and gather all the information you need. Everthing is here, It just takes a wee bit time to suss it all out. You will get your money back. Best wishes. Scott.

Hi, Just take some time reading up on the site and whats the best way to proceed. Read all the FAQ'S. You will get your money back. Best wishes. Scott.

Hi, For the credit card letter go to Bank Templates Library............. Credit and Store card/letter. Best wishes Scott.

Hello, Take them to court and get it back.

Tell them to take a hike! Just carry on with your timetable, you will get your cash back! Don't worry, that's a bog standard reply.

Hi, On my spreadsheet I put 'charges as notified' down the whole colum. You will know by the amounts, what charge is what(I think) The charges I had were Returned d/d charges and excess overdrawn charge. Hope this helps. Scott.

Simeon, The BOS sent me a full settlement on the day of my return date. They then phoned me on the return date to make sure I had received it. Think they were worried they might have to go to court! Best wishes with your claim. You will get your cash. Scott.

Riggy, My return date was 3rd October 2006 and hearing date the 10th October 2006. As I said before I got their full settlement offer(through the post) on the 3rd and they phoned me the same day, just to make sure. At first all they put into my account was the £720 I had claimed, I had not calculated my interest before I made my claim so I wrote to them asking for my interest and court fee and it was in my account the next day. I was in Edinburgh Sheriff Court today(13th November) and the guy said my next claim would have a return date of the 23rd January 2007, longer than I had to wait before but I think its for christmas holidays ect. I made a few mistakes on my new claim, (summary cause) so the guy sorted me out, but I shall have to re type some things. Then I think I'll just post them to the court with a cheque for the fee's. Best wishes Scott.(that's me)

Yes, I'm sure it is. Thats the one I used and I have a business account with BOS. The letter before action is different, It can be found in the Bank Templates Library--------Sample Letter To your Bank----Business version. Hope this helps. Scott.

Riggy, Bos waited until my return date before one of their lawyers phoned me to make sure I had received their full settlement offer(that day).I think they were worried they might have to go to court.I forgot to add the interest in my claim, but phoned them after they had settled and they put the interest into my account, very helpful. Best wishes, keep us posted. Scott. ps Hope they get in touch with you soon.

Hi, Terry, Yes your right about only going back the 5 years. I take it your in Scotland. You can claim between £750(Small claims) and £1,500.(Summary cause)I think with small claims if you were to loose your claim, all it can cost you is £39 court Fee ,not positive but I've heard you could loose about £750 if you go down the Summary Cause route. I've already had a claim for £720 settled in full by BOS and I'm going down to Edinburgh Sheriff Court tomorrow to claim £1,500 using Summary Cause. The claim forms you fill in are identical, but I'm not sure how much the summary cause claim costs to lodge,(will find out tomorrow). As you will be aware the banks do not want to go to court so you will get your cash. Go to Forums---Guidance notes---Scottish procedure Best wishes, Keep us posted with your claim. Scott.

Superb !! Best wishes. Scott.

That's a bog standard reply. Take them all the road, you will get your cash!

Hi, suzi I sent mine to Bank of Scotland Pitreavie Business Park Dunfermline KY99 4BS. Got it all after about 3 weeks. This was my credit card S.A.R. I had all my statements for my Bank account. Best wishes. Scott.

Hi, imac, I would just go back the 5 years. Not sure what they would do if you went back further. Best wishes with your claim. Scott.

Hi, danny, When I told friends and family I was about to sue my Bank they all laughed and said I had no chance whatsoever, well It's me that's laughing now! I'm skipping down to Edinburgh Sheriff Court tomorrow to start my first Summary Cause, should get my cash back in time for santa. Best wishes with your claim. It's your money! you will get it back. Scott.

I would think it's 14 calendar days. Scott.

Hi, I'm sure it's only 5 years, something to do with Scottish Law I guess. Best wishes. Scott.

Make more than one claim, you can claim up to £1,500.00 in Scotland using Summary Cause. But only make your second claim after you have won your first. Don't waste money on a Lawyer when you can do it yourself for nowt. Best wishes. Scott.

Gemspam, I'ts your cash-----you will get it back, I'm also self-employed and they have almost put me out of buisness a few times! I've just had over a grand back from them on my business account, still got about 5 grand to chase up. Best wishes with your claim. Scott.