Hello, and wonder if anyone can help? We have a business and were with the Clydesdale but, decided to change our account to the RBS (they appeared more flexible with us buying property abroad). For the "honour" of them having us as customers they charged us over £6000 in fees. The only reason we went along with this was that they were offering us a lower interest rate at the time. This meant we would actually be saving money over the years ( we thought!). I can't even remember what all the fees were for now.....but I was wondering if we would be able to claim these back???? If so, where do I start???? Have had a look at some links re business but it doesn't seem to answer my questions. All thoughts appreciated, Carol

Hooray!!!! Was due to go to court tomorrow but called the bank today. The have paid the amount owed to me into my account within 30 mins!!! I had claimed back for 6 years but they told me in Scotland it was only for 5 years.....didn't get as much as I had initially thought but am more than happy now. How do I make my donation to the site? Thanks for everyones help. Carol

Anyone there?? Carol

Is there any info that I have to take with me if i actually have to go to court on the 14th Feb? Carol

Due to go to court on the 14th Feb and haven't heard anything else from the bank. Should I conctact them????? will I actually have to go to court? if so, what do i need to take with me? Thanks Carol

Thanks Bookworm, just panicking a bit...... Carol

How do I contact a Scottish Moderator? Carol

ooooohhhhh, thanks soooo much. Have had to eat lots and lots of chocolate to comfort myself Carol

Yes Bookworm, I am in Scotland......what do you think I should do now???? Thanks Carol

How do I contact a moderator? Thanks Carol

I had filed my claim against the Bank of Scotland and was due at court on the 17th Jan. I was in America and due home prior to that date, however I had to delay my flight for one week due to illness. I was not then able to attend the court date (I had actually thought the date was later in Jan...). When eventually I did get home and open my mail (I had been away for a total of 6 weeks) I had a letter dated late December from the bank offering me £580 (my claim is for £1350). By the time I had actually been able to read the letter the amount had been paid into my bank account. I thought, since I had missed the court date and that the money had been paid into my account that my case was over and I would have to settle to the amount given by the BofS. Today I have received a "Minute for recall of decree" from the B of S. It states on it that THEY had also missed the court date due to "an oversight on the part of the Defenders' Legal Services Division who failed to lodge the from of response by the return day" What should I do about this??? To make matters worse, since I had been quite ill on returning home, and I had thought the case was closed, I have destroyed all documentation leading up to this point........... I am now in a panic and wish I hadn't started in the first place. Would love some advice/info please Thanks Carol

I wish you the very best of luck with this claim and, hope that you can soon look back on this time and be proud of how you have managed to fight for what is rightfully yours!! Keep on going.......... Carol

OK, I'll give it a shot. By the time I get the money (if!!) I will be spending it on a reallllllly laaaaaarge bottle of wine!! Cheers, Carol

Hi dollies01 thanks for that info but where did you paste it to?? Sorry to be so thick, think it's a Friday feeling........ Carol

When I go to the spreadsheet I can't alter/input any info.....what am I doing wrong? Thanks for your patience, Carol

Think I have run out of energy.....have sent off all my letters and now due to send in court papers. Spent most of yesterday trying to complete forms - lots of problems with my printer etc., finally get the printer going and went to add the interest to my spreadsheet and can't work out what to do!!!! How can I add on the 8%??? For some reason I seem to be going round in circles......any words of advice encouragement??? I know that I am nearly there BUT just feel like giving up. Maybe I am just having a bad day. Help please.... Carol

I am at the stage of sending the court paper off to BOS and they have never mentioned closing my account. Good luck Carol

Ready to send the court papers but can't work out how to add the interest onto my existing spreadsheet..........it's driving me crazy!! Any ideas?? Thanks Carol

I have completed my court papers now and raring to go.....only problem I now have is when I saved my schedule of charges I didn't include the interest. I now want to add on the 8% but can't work out how to do this without starting from scratch with a new form I am sure I should be able to add in the interest onto my existing saved form but can't work out what to do......can anyone help? I have been driving myself about crazy this afternoon trying to fill in the correct court papers, then my printer ran out of ink, then the paper jammed and now I can't work out what to do about the spreadsheet. Is it more bother than it's worth:?: Need to go and have some more chocolate.......... thanks Carol

Thanks Weej, I'll give it a shot:p and keep going, many thanks Carol

Dear All, Have just received a letter from BOS. Part of which states "As a gesture of goodwill I offered to reund you £355.00 of charges to your account, which you do not wish to accept" He did offer this on the 'phone and I said I would accept it as part payment and continue to claim for the rest. It then goes on to say "We are not prepared to refund all the charges that you have incurred on your account" Should I have just accepted the £355? I am actually claiming for £987. I had actually already posted my LBA giving them a further 14 days or I would complete the court papers - am I on the right track or should I just give up?? Many thanks Carol

Have had another 'phone call from BOS now offering me £340. Said that I would take it as partial payment but that I will continue with my claim for full amount. Have completed the letter before action and am going to send them another copy of my spreadsheet - do I include the interest yet? Does anyone have a link on how to complete court papers in Scotland? Thanks, Carol

Have sent the first letter asking for statements. Received statements and worked out how much they had charged me. Sent letter with spreadsheet asking for money. Then had 'phone call on Friday offering me £138. Do I now 'phone them back and try to discuss my claim with them or do I go on and go down the court route? If so - how? Just had a lovely big Sunday dinner and am feeling recharged and ready to go!! Thanks for any advice, Carol

Claiming £937 from Bank of Scotland. Had a 'phone call on Friday offering me £138!!!! Too busy to talk on Friday and said I would call them back - should I bother?? What do I do next? Can I claim for the £937 or does it have to be under £750 Where do I get the court papers from? Getting mixed up looking at all the different threads - have ended up getting more confused:confused: Can anyone point me in the right direction?? Thanks for "listening" Carol

Thanks for the encouragement Welly- how do I find my banks forum? Have typed in bank of scotland in search and was swampped with loads of info:confused: Think I'll have to go and have some chocolate now - just to calm my nerves:p Cheers Carol