Hello I started this thread years ago and I am no further forward! Last I heard was they were waiting for the results of the test case - Do I have to wait or can I push ahead to reclaim? Thanks

good point.. i would ask them what do they think they are doing? legally its you money to do with as you please. It shouldnt affect the T&C of you loan... they just dont want to give up your money... simple

ok so its been well over the two weeks i gave them with no responce, now i am planning on taking them to court. or at lest start the proccess rolling. The thing is i live in scotland and all the info seems to focus on england (moneyclaim etc) i am confused!!! how to i go about taking them to court up here in sunny scotland? thanks

sounds like a good thing? you not trying to clear your debts?

thanks for the words of encouragement. I find it amazing that the banks can get away with this type of behavior. The system truly needs to change, my main grievance is that the just take the money rather than bill you. A [problem] in anyones language. How did we get this position in this country? its truly does amaze me

ok so i am moving faster that the forums tonight. must be all the coke a drank earlier! so i have come up with this draft letter for you guys to approve for me thanks again ---------------------------------------- Dear Sir or Madam, Re. Account number: ******** In regard to your letter dated ******* you stated I have signed a letter saying I would not claim back any further charges. In this letter it clearly states there will be no further goodwill refunds made to my account in the future. I would like to remind you that I am not requesting a goodwill refund. I am however looking to have charges that I believe are unlawful in nature refunded to me. I look forward to a full response to this letter within 14 days; otherwise I will commence court proceedings to reclaim my money. Yours faithfully,

ok, after reading the letter again word for word its seem that it relates to all charges, infact it says as a final good will gesture will will refund £35 if you agree to this a full a final settlement please sign. now at this time i signed this document, they had taken all my money and it was the only way i had to actually have some money at the time. hence i was left with no option but to sign. I believe i was forced to sign it, i was backed into a corner and was clearly under duress. Looking back i wish i handnt signed this document, but i have. what options does this leave me with? can i still try to claim despite signing this document which states " i am please to offer you a final goodwill refund of £38. This gesture is made on the understanding that there will be no further goodwill refunds. to accept this offer as a full and final settlement please sign" any help would be greatfull thank you

hey thanks for you advice, do you think i will hear back from them before the date i set in the previous letter? They usually respond within a week, which truly has surprised me due to me believing they would stall as much as possible. i wouldnt mind waiting a few extra day to see if they actually do respond to this next letter but i don't want to seem weak from the banks point of view.

Yeah that was what i was thinking.. so they still have 7 more days before i take them to court. i am going to send them a letter on monday telling them that i am claiming back based on the being illigal. should i extend there deadline? or just say i the letter that the original deadline stands? thanks for help

So about a year ago before i knew you could claim my bang charges back, by band send me out a later stating that if, i could have £70 worth of charges back if i signed this letter saying there would be more more "goodwill" refunds of charges to me account. so now one year on i am claiming back my charges, what stage am i at? well the letter before court and now they have sent me a letter saying a i have signed a letter saying i would not claim any more charges back. But these charges are worded as good will refunds. Now i was really foced into signing this as i had no money at the time and it was my only option. But i am looking to claim back thses charges o the grounds that they are illigal. do i still have a leg to stand on?

yeah i am sure they will beable to figure it out... just dont really want any slip ups ... you know what these people are like.... any excuse

i already have them.... ive been meaning to do this for about six months now, have had ll my statements sitting out ready to go! just getting into the swing of it just now. there is one more thing that is confusing me.. on a few occasions i had £20 charges. i phoned up that bank and they gave me £10 back, not the full £20. when i am filling in my spread sheet i just put £10 on the date that the £20 as taken. ( the £10 was returned a few days later ) is that the correct procedure? or should i mention what has happened at the bottom of the spread sheet?

good good... well i will pop into the bank today and report back later with some definite answers from the bank, i just hope i get someone who knows what there talking about! would make a plesent change from the norm!

oo thanks for your help i will go into the branch and find out.. do you know if you can claim back from a bank that you HAD an account with but closed it? thanks early bird helper

there are various fees starting out at £15 and ending at £28 it doesnt tell me anywhere on my statements what there for... major confusion

hi thanks for your prompt response! i think they were occurred when i went over my limit. i didnt pay a monthly fee on my account or anything like that its for £15 then towards the end it was £28

hello all! i have an account with the Bank of Scotland and i have been reading alot of the forum threads and i still have a few questions, there seems to be some conjecture about what you can claim back form the bank. i have calculated that the bank have taken a total of £461 from me in total. now this is broken down to 2 main charges O/D excess charges and Account maintenance charges. the main query i have before i go head and claim the wrong things is - can i claim account maintenance at the same time as my bank charges? or do i have to claim the OD charges and after that is successful do i then claim the Account maintenance? if thats the case how to i go about claiming the account maintenance? i am getting so confused! ive got all my statements and i am trying to work out how to move forward with my claim. they dont make it easy tho! thanks for reading!

thanks mate... i did look in that thread but there are sooo many different places to send it! i think i will take it down to my local branch. do you think i should get a reciept? c

there are sooo many adresses out there for the rbos and i cant find the one on the http://www.ico.gov.uk/ website. anyone know? thanks