Today is the Return Date for court. I've received settlement in full from the Bank of Scotland!!!! Just popped the cheque into my new Nationwide account that I opened up as a parachute account. So happy!! Thanks for all the advice from everyone. I'm just going to make my donation to the site now. Good luck everyone. It seems that you WILL get your money.....keep going and don't let the delay/scare tactics put you off. There are loads of people on this forum who will help you and point you in the right direction.

Hi, Received a letter in from Glasgow Sheriff Court today saying that they have now attempted service of my summons on the Defender. The return date is 07/12/06 hearing date is 14/12/06. They also said I should contact their office the day after the return date to check the Defenders response. Now that WAS a quick response after their mess up last week!!!! Here's hoping!!!

Hi, Phoned the court today. They couldn't understand what had happened. Finally, I got a call back from the small claims section. The court fu**ed it up big time................they've sent ME the summons and NOT the bank!!! The bank won't know ANYTHING about this. I thought the court had sent me a copy of the paperwork with the Return and Hearing dates for my own reference!!! The court were very apologetic right enough, but typical British justice failing the people AGAIN. These admin blunders DO happen, I accept that. I'm sending the summons back to the court as requested by them and they will (hopefully) manage to serve it on the bank this time. Thanks to everyone who has taken the time to respond to me, I didn't know what was happening there for a while. I'll keep you posted.

Thanks for getting back. No-one seems to mention in their postings that they've actually had to attend at the court on the hearing date. I thought that date was for the bank and not me. So the bank have decided to fight my case and someone actually turned up at the court on 06/11/06 from the bank to dispute the case?

I'm in Scotland yes. I didn't fill out an allocation questionaire either. Have I missed this part of the process? I don't remember seeing that mentioned in other posts, just that some people may or may not receive letters in from solicitors. If the bank didn't respond within the deadline of the court date, you had won your charges.

No, I wasn't asked to attend court. No paperwork has been sent to me except from the court just after I lodged the claim giving me the return and hearing dates. What do I do now?

Hello everyone. As you'll see from my posts, the hearing date for the case was yesterday 06/11/06. I've heard nothing from the bank since I lodged the claim at the court. What happens now? Have I won?

Hi, Re your amount of charges. I thought you could claim the lot back......but you'd have to do it in chunks of £750.00 each claim......as we're in Scotland??????

The form arrived in the post today from the court. The return date is 26/10/06 and the hearing date is 06/11/06. If I receive any paperwork in from a solicitor (as I've seen in other posts), I'll get back you y'all for some advice!!! Thanks.

I deliberated about this point too. I plunked for the local branch because it's in the court's jurisdiction whereas before, all correspondence I've sent to the bank has been to head office. I took mine to the court yesterday. Surprisingly, I didn't feel at all nervous. I've never had to take anyone/company to court before!!!!

That's me just dropped off the claim at the court.....yikes!!!! Let's hope the bank cave without any more delay!!!!! Will keep you all posted.

Thanks Tinkerbell. I've got an offer in from the bank offering me about 1/6 of what I'm claiming. I won't be accepting of course!!!!!! I've sent a PM to one of the moderators asking for a template of how to fill in the claim form on-line before I hand it into the court. Do I have to write to the bank saying that I'm going to accept their offer but go on to claim the rest, or just ignore it and go to court for the whole amount? Thanks.

Hello everyone. This is my first post so I'm saying sorry now for asking questions that may have been answered a million times already!!! I've sent away for my old bank statements, added up all the charges and sent off the letter asking for my money back. Got the standard response back from them. I was then going to send off my Letter Before Action when I read on another post saying that you weren't allowed to claim back authorised overdraft charges on an agreed overdraft you had with the bank. How am I supposed to differentiate between the agreed charges and the charges that I've incurred as a result of going OVER the agreed overdraft (gawd I'm confused!!!). All the statements just list charges for £28 and £30, nothing more in depth explaining what they were ACTUALLY for. I've now got two totals when I add up my charges - one for ALL charges as stated on the statements and one for just the £30 charges (because I'm thinking the £28 charges were for going over the agreed overdraft). Can anyone help me on this and clarify what I'm actually allowed to claim for? Thanks. Speak soon