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  1. Maroondevo52 Thanks for the confirmation. Regards Falkirkjambo
  2. Question Is the Preliminary approach for repayment letter the same for businesses ? Regards Falkirkjambo
  3. Do I need to have an address in England or can I make a claim to a bank address in England ? Also would I be better lumping a my claims together and starting again ? Looking for advice Regards Falkirkjambo
  4. Update Received letter from bank basically withdrawing the previous offer and advising me to refer my concerns to the Financial Ombudsmann Service. Question Should I phone and try to negotiate or start court proceedings Regards Falkirkjambo
  5. Hi Update. I claimed £746.84 (£632.00 + £114.84 int) for the period 23/7/01 – 27/5/05. I have been offered £694.00 as full and final settlement of my complaint regarding bank charges made on my Bank of Scotland accounts. No mention has been made of specific dates. I have another 2 claims ready to make on this account one for £607.27 for the period 1/6/05 – 30/8/06 and another which is ongoing. I am prepared to accept the £694.00. What is the best way to achieve this? Can I simply change ‘’in full and final settlement of our complaint regarding bank charges made on our Bank of Scotland accounts’’ To ‘’on the condition that it is a partial settlement and that I can continue with my claim. Or Do I Add during the period 23/7/01 – 27/5/05 at the end. Would appreciate some advice Best regards Falkirkjambo
  6. Thailand Thanks, I may have to gey the first one settled then. Anyone else got any experience on this? Best regards Falkirkjambo
  7. Question? I have split my claim in two to get it under £750.000, Do I have to wait until the first claim has been resolved to start the second claim? Also Can I claim on credit cards that are now closed? Would apppreciate some guidance Best regards Falkirkjambo
  8. Update 14/9/06 Letter Before Action Letter sent today.
  9. Update Sent preliminary approach letter 31/8/06 Received response from bank dated 4/9/06, stating a customer relations manager will investigate the points I have raised and that I will receive a reply Shortly, but certainly no later than 4 weeks Will send Letter Before Action (LBA) on 14/9 06 if no reply received
  10. Just noticed that I received my statements from address in England, can I make my claim to that address and go for it in on chunk and also go back the 6 years? Also still not clear on the issue of claiming back the interest on the preliminary request letter Falkirkjambo
  11. The preliminary approach for repayment letter includes the text below. What I require I calculate that you have taken £XXXXX plus £XXX which you have charged me in overdraft interest for the sum which you have taken. Total £XXXXX . I enclose a schedule of the charges which I am claiming with this letter Surely this means you should include the interest? Still confused Falkirkjambo
  12. That's my understanding as well. Can anyone confirm this is the case?
  13. Hi Can anyone advise me if I should include interest in my preliminary approach for repayment letter? Best wishes Falkirkjambo
  14. Now really confused Can anyone say with any certainty that interest should or should not be asked for in first letter. Falkirkjambo
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