claim settled bank of scotland 3000.00 offered firstly 1510.00 which they put into bank when i called got full total of 3000.00 very pleased with result can now pay back some debts that these charges incurred thanks to all that answered my queries off to sort credit card late payments now !!

thanks t4ff still looking for the answer re english address anyone out there can help?

Thanks for that I looked at the template letters but they say that ive already threatened court action do i just take that part out ? My other Question I hope someone can help with is because my amount is 3000 and i live in scotland (cant afford a solicitor) how do i go about using an english address( Ihave several i can use) do i just put that address on letter i send to bank Have read so much on here my heads addled lol

Ps I forgot to say I hadnt actually sent the 2nd letter threating court action so do the letters decling offer still stand

Well letter received from bos usual bumf offering as a gesture of goodwill 1510.00 my charges were over 3000.00 It says that this is a goodwill gesture and is in full and final settlement of your complaint against bank of scotland It also says i dont need to take any further action as the payment will be credited to my account within the next 14 days Can anyone help with my next steps please

well i posted first letter requesting over 3000 back to bos last thursday .got letter today stating sorry to hear of my complaint and the fsa gives them 8 weeks to respond and if they are unable to respond fully to my concerns within the nxt 4 weeks they will write to update .Do I wait for this?

HI ALL Just off to post sar tomorrow may be asking for help in the future We are sending off our letters together need a hand to hold We are sick of being poor due to these charges