HI, I've just recevied payment for my first £750 claim against the BoS for £2,536 worth of charges and am also looking for help and advice on what to do next! I think the best path is once you have received the full payment, enter your next claim but make sure you are only claiming inbetween certain dates, that way you should be able to claim it all back in several claims! Roxy x

Hello, Does the below letter look okay to send in regards to my second round with the BoS, they have repaided my first claim, although neglected to pay the interest and costs as I have mentioned below... Is this all I need to say or do I send an identical LBA as before and just subtract the amount they have paid so far? Dear Sir/Madam, LETTER BEFORE ACTION ACCOUNT NUMBER: XXXXXXX Thank you for your payment of £738.00 received on the 4 August 2006 in regards to my claim for Repayment of Charges from the dates of February 2003 to February 2005. I ask you to note that you have neglected to pay the £105.64 of interest that has occurred since the date of the first charge also my costs of £39.00 totalling £144.64. I will be prepared to close this claim (Ref No. xxxxxxx) for the charges occurred between February 2003 to February 2005, after receiving full payment of the sum mentioned above within 14 days (£144.64). The outstanding balance of the remaining charges from March 2005 to May 2006 is now £1,942.64 (not including further interest and costs if court action is required) and I am enclosing a copy of the schedule of the charges which I am claiming. I will require repayment of this money in full within 14 days, if you do not fully comply then I shall begin another claim against you for the full amount plus interest, plus my costs without further notice. In this eventuality, I would require you to lodge in court, financial vouching for the actual loss sustained in my case, together with your full financial accounts revealing how much income is generated from your bank charges, as against the cost of administering dishonoured transactions. Yours faithfully,

Hi, Sorry, i'm not sure how to change the title of the thread, perhaps only the mods can do it?? Thanks for your message! Well done to you too for getting your money back, yey! I'll check with my bank if the interest and costs have been paid in, thanks for that! Do you, or anyone, know if there is a letter for the next stage...or do I just go back to the LBA and add in a section at the top which says "Thank you for your payment on 4 August, the total now stands at..blah blah blah"??? Thanks again! Roxy xxxx

Hello Good news!! The bank caved and payed my first £738.00, from my first claim of £2,536.00! Right...so this is what has happened, I tried to use my card last week and it was eaten by the machine, I was totally angered, I called the bank to find out that my card had passed its valid date, the man I was talking too was shocked as the bank is meant to send the new card a month before your card runs out...no card had been sent, strange...now when did I start this...oh yeah, a month before my card ran out!!! Anyway he sent out a new card and when i recieved it, it was just a rubbish cash line card, I went to ring up and have another go but as it went through the account details..my account was exactly £738 over what I expected it to be, ya hoo!!! Still not recieved any correspondence from the bank though...they seem to have just paid it and not even bothered to write to me!!! SO, now I am wondering what to do next....do I send out another LBA asking for the entire amount minus what they have paid?? They also neglected to re-pay me my costs and the interest from my first claim, can I ask for that back again in this letter, just add it on to the bill??? Thanks for any help!! Roxy xxxxxxx

Thanks your a star, I'm feeling a lot less panicky now, I'll check out the Scotland thread! Many thanks Roxy

Hello I went through all the stages as mentioned on this website. Now I am at the stage where the BoS is due me £2,536.00 and I have severed this and entered my first claim for £738.00 + Costs + Interest. I have received my confirmation from the Sheriff Court that my summons has been delivered to the BoS. I'm just getting a little nervous as I have not heard anything else from Bank...one thing that really concerns me is that on the last day of my 2nd deadline they offered me £1,207 to settle the entire complaint...since my claim is only for certain two dates could this be a problem since I am claiming for £738.00??? Any help would be great, Many thanks Roxy

Thats exactly what I was thinking, how much of a pain will it be to have to sever it down to 3/4 claims!! But then again, I think that is what the bank is counting on, people not wanting the hassle! My only worry is that after the first claim, they will be able to make you sign a 'full and final settlement clause' so that we can't claim again??? Roxy x

Hi Fruitycar, Thanks for your help on my thread, thought I would pop in yours, I notice you are in Edinburgh..same here! I have just started my claim against the BoS, I severed it but now reading your posts, I might just go for the whole thing at the next stage...who have you claimed the whole amount with?...If you don't mind me asking!! Many thanks Roxy x

Hi I was offered £400 then £1,200 out of the £2,536 the BoS are due me, I refused it and have now entered a claim against them. On offering £1,200 they told me that, that was the highest 'legal' amount that the 'BoS' could offer...I rang them and thanked them for their letter and politely refused the offer, I just mentioned that I would only be able to accept the offer as part payment of the outstanding balance, which they refused, so I refused their offer by saying I would really need the entire sum in my acount before the end of the deadline (yesterday), they rang me yesterday and offered me £1,207...£7 more...was a strange one! Don't listen if they tell you they can't offer you more that what they have..its lies!!! I issued my first claim for £750 (not inc costs and interest) yesterday! Stick with it and hopefully the banks wallet will be a little lighter and yours will be a lot heavier!!!! Good luck Roxy

Phoned on Monday 10/07/06, upped offer by £7 to £1,207 rather strange one anyways, I declined and started court proceedings for claim one! Roxy x

UPDATE: I received a letter from the BoS on the 6 July 2006 stating the usual stuff..."we believe our charges are legal and correct blah blah blah" the letter went on to offer me £400 as a full and final settlement. I telephoned the Customer Relations number that was given and politely acknowledged receipt of the letter and noted that unfortunatley, I would only be able to accept the £400 as part settlement and would still be looking for settlement of the full balance of £2,536. The bank refused and after I mentioned that "As per my letter of 26th June, I would be submitting a claim against the BoS to refund all of the outstanding balance and that day would be Monday 10th July" they upped the offer to £1200 again, I declined this offer and mentioned I would not be able to accept any offer apart from the full £2,536. Thw woman was really rude on the phone, she said, get this..."I should be GRATEFULL that the bank was willing to help me and they have been more than helpful towards me"!!!! I couldn't believe it! So my claim goes into the court on Monday, I have to say, I am a little scared, Just because I need to do it in three seperate claims! Many thanks for all your help guys, Roxy x

Hello My account with New Look was closed but after reading this site I decided to give it a go along side my battle witht the BoS! Initial Letter sent 24/06/06 Reply received 04/07/06 Full repayment of charges will be re-issued within 7 days! Woo Hoo!! Roxy x

Hi all, I posted a few days ago asking for some help on Scottish claims, well......thanks to this brilliant site and all your helpful advice I have well and truely started my claim against the Bank of Scotland! 06/06/06: I went into my bank and asked for five years of my statements, paid the £5 fee and they were sent out 12/06/06. (12/06/06 - 19/06/06 I was on holiday so no action took place). 20/06/06: I calculated all my charges to be £,2536, 1st letter asking for my money back was sent. 24/06/06: Letter recieved from the Bank of Scotland "I am sorry to hear your concerns regarding charges on your account blah blah blah a customer relations manager will get back to you within four weeks blah blah blah!" 24/06/06: LBA sent today. Here is hoping they will take this next letter a bit more seriously! If not, I've already filled in my claim forms, ready to be handed in to the court! Roxy x

Hehe, yeah, that sounds like a good idea! I tell you, he must have a really sore hand after signing all our letters!! Roxy x

Thanks very much! I've ran a search and found lots of interesting information!! On a side note, after a discussion I had about this, what is everyones opinions on the fact that some of us are due thousands of pounds over five years...surely there was be case for some sort of compensation for the lifestyle adjustments we have had to make and I know myself for one, the amount of emotional distress that this has caused us over the years? I mean, I had to borrow money just to clear my account back to zero!!! The amount of times that I've not been able to eat at work or had to walk home from work due to the bank swallowing my money in charges just days after being paid!!! Also the amount of times I was on phone in tears to the bank asking them how they expected me to live, thinking back to it now I get so angry. Has anyone every tried to go for personal distress damages or anything similar? Roxy x