Hi Mairi Thank you so much for your reply, its reassuring to know that other people are in the same position. I'll check the offer letter and see if it mentions for all accounts. Good luck with your claims

Hello I need some help please, on my BOS account with the charges of 4770, i received a first offer of 568, i told them no way, then received another offer of 1705, i phoned to see if this could be negotiated and they said no. I live in Scotland, and I am pretty scared about the court thing, and 1700 is a lot of money, i dont know what to do and would appreciate any help. Thanks Also I have another account with them with similar charges but i havent sent off a letter re this, can i do this at the same time?

Hi Murphy55 I just wrote a basic letter asking for any default charges to be returned, said I was a loyal customer and didnt believe the charges reflected the true cost to the company. I was very sceptical and didnt expect anything back, I thought i probably had about £250 worth of charges (my limit is only £600). The letter says they dont agree with the OFT ruling, but they will refund the charges, no mention of closing my account, just some stuff to say its my responsibilty and i should keep my account within the limit and pay the bill on time. Good luck with your claim, what stage are you at?

Hi Thanks for this fab website. I sent capital one credit card a polite letter just over a week ago simply asking for a refund of all charges placed on my account. I received a letter today offering me a full refund of £452! I didnt even have to threaten court action or ask for statements. (I'll make my donation as soon as I receive the cheque) Good luck to everyone claiming x

After them saying they didnt receive my letter, I got a reply in the post this morning!! the usual stuff, sorry to hear you are not happy and we will get back to you shortly.

Thanks, I phoned them just to check they had received it and according to them no letter had ever been received at the Dunfermline customer Services address. The woman on the other end of the phone even went as far as saying that was the wrong address and tried to say it wasnt on the web.(little fibbers). Now sent off 2 new letters for both accounts one for £4776 and the other for £4106. Fingers crossed. I live in Scotland, if they refuse a refund, should i just start to take them to court for £750 at a time (a bit nervous about the court stuff but p'd off at the amount of money they have taken)?

Hi I need some help please, BOS have charged us almost £5k in the past 2 years on one of our accounts, I sent a letter asking for them back almost 2 weeks ago and heard nothing back. Is it best to phone or send another letter? We have another account with £4K of charges in 2 years! Thanks