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Another letter from BOS today - offering £1174.00 I'm Getting there !!!!!

I called the BOS and asked to speak with the customer service manager, Elaine Brown, as she has sent two letters out to me. I was informed that the same person does not deal with the claim all the way through. It is pot luck as to who ever deals with any correspondence that they receive. Anyway, I told them I wasn't going to accept their offer. I was informed that they would make a note on my account and that I should receive a call or a letter from someone in the next few days. I'll wait a few days and see what happens. I will have my 2nd letter ready to be posted should I not hear from them within the few days.

Received a letter from BOS today Offered me £347.00 in full and final settlement of my complaint. The letter goes "Thanks for your recent letter, I am sorry to learn that you are unhappy with the charges you have incurred on your account. I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay any item against an unauthorised overdraft or return an unpaid item, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other area of our operations, penalising all our other customers as a result. We clearly outline our charging policy in the terms and conditions that apply to your account. In addition , we are committed to complying within the banking code, which sets standards of good banking practice for banks and building societies to follow when dealing with personal custopmers. The terms and conditions of your account state that you must have funds in your account to cover your transactions. We cannot be responsible if you have authorised payments against funds that were not available. We are keen to help you avoid any unnecessary charges by providing various ways to keep track of your account. You can do this via telephone banking or mini statements at cash machines. You can also contact one of our advisors at any of our branches. Ultimately it is your responsibility to manage your account. However, as a gesture of goodwill I am prepared to refund £374.00 of charges in full and final settlement of your complaint. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepare to accept the offer, please sign and return the enclosed acceptance for in the pre-paid envelope. If I don't hear from you in the next 8 weeks, I will assume you are happy." My Q is - where do I go from here, obviously I am not going to accept it, but do I continue my contact with them via letter, or call the number provided??? Any help is appreciated.

yep, good old bos, they owe me approx £2500. 5 days passed, still waiting for a response from them. So much for them wishing to resolve matters!!! TRU, good luck with your claim, hopefully you will get a response from them.

I received a letter back from Bank of Scotland, acknowledging my letter and stated that they wished to resolve matters and would be back in contact with me within 5 days!!!!

Thanks for the help. Will let you know how I get on

hi I sent my initial letter to BOS (high street branch) approx 14 days ago, I have not had any response from them. Should I now proceed with the second stage? And do you think I should continue to send my letters to the High Street Branch, or will I get more response dealing with Headquarters?? I am new to this site, but like most have had £££ taken from my account in charges.