Hi Caro, Havn't recieved any money, yes I live in Scotland and sent the LBA and prelim letter to my branch origionally and was then refered to customer services. Appologies for late reply have been away.

I am Claiming £2600 in unfair charges, I've had 2 offers of goodwill, initially £146 and then £460 after LBA. both of which I have accepted as "part settlement" whilst continueing to pursue the full amount. The last letter that I recieved stated that The Bank of Scotland would not be refunding my charges and I had refused the above 2 amounts. I am now ready to start the legal process but am unsure as to wether to claim for everything at once and I also seem to remember seeing something about only being able to claim for 5 years charges in Scotland, is this the case as up until now I have been asking for 6 years to be refunded? Any advice? Cheers Andy

Hi folks, I have been through the process so far and had to offers from the BOS, the last one after my LBA. The first on was for about £140 after the prelim letter and the new one after my LBA is just over £450. Question? Should I now start the legal process now or send another letter, am a bit nervous, don't want to lose the current offer. I havn't opened a parachute account yet either but do have a joint account with my other half.

Can they do that? I thought that once an offer had been made they couldn't withdraw it?

Hi everyone, I started my case with the BOS a month ago and to be honest they have been pretty quick in getting back to me so far with all of my charge details etc. I recieved a letter a few days ago with the usual blurb of sorry your not happy, this is how our charges work and we feel justified etc. but we are prepared to offer you £146 back as a gesture of good will. I am claiming just under £2500 in excess o/d and returned cheque charges and am about to move onto the next step. I presume that I need to accept the offer of £146 on the basis that I am still persueing the balance by letter but not fill in their nice form that states full and final settlement?? Any advice? Andy

Cheers, will do!

Hi guys, I'm new to this and am looking for some encouragement that I'm doing things right from those of you that have experience! I used the data protection letter and sent the request off to my bank (B.O.S) and recieved all of my copy statements surprisingly quickly and have worked out that with excess o/d, returned cheque and the mysterious account maintenance charges that I have piad just short of £2500 in the last six years! I have detailed all of the charges and dates on a spreadsheet. Any advice welcome prior to moving on to the next steps! Cheers Andy