There shouldnt be a problem with submitting to your local court in scotland tbh. (theres a few cases where the situation you mention comes up..have a look at the govan law centre website under "jurisdiction")

Hi folks, update well i sent off the preliminary letter to HBOS group at trinity road thursday or friday last week. (1/9/06) Got the standard letter reply from Bank of Scotland customer relations in Dunfermline 4/9/06 (pretty quick though ehh!) They quote that they will look into my claims within 4 weeks (though of course i'll stick to my 14 days before i send off a LBA) ohhh something else....... i got a recent statement from the bank and i noticed they seem to have reduced their charges possibly. as i have an item listed just as CHARGE £5.00 It doesnt say what its for though....hrmm i'll investigate it with the bank and get back to you asap.

ok am sending prelim (for £2341) off to HBOS Group english head office at trinity road anyway using my scottish address. If need be i can provide an english forwarding address in future.....

yeah i agree! curiously BOS monthly maintenance charge jumps from £8.50 per month circa 2002 (if you go over your o/d limit) to £28.00 a month in 2004

back in 2001 - 2003 i incurred many of these £8.50 charges from BOS. Basically if i went over my overdraft limit then i would firstly be charged for going over the limit for each occurrence(usually £20 or £28) and i would also be charged an account maintenance charge for any month wherein i went over my agreed o/d. But you would only get 1 £8.50 charge for that month if you went over your limit say 2 or 3 times. Is this claimable? Has anyone else claimed these? thanks

Hi can i just clarify this. If a bank has 2 head offices. One in scotland and one in england (as is the case with HBOS) then the customer/claimant can claim from either one. So someone living in scotland can claim through the english courts if they submit their claim to Halifax trinity road head office. Would save a lot of hassle for a lot of ppl re: severing claims. thanks

Hi Craig you are just ahead of me. I guess you sent the LBA to their head office in england? Trinity road? So it could be heard under english law and so you could file a claim in one chunk via moneyclaim? (under £5000 for small claims in england) also did you not send a preliminary letter asking for your money back first?? or just send the LBA straight away?? SCOTLAND: HBOS plc, PO Box No 5, The Mound, Edinburgh EH1 1YZ ENGLAND: Halifax Trinity Road, Halifax, West Yorkshire HX1 3RG ahhh wait found this by flyermonkey the exact same situation applies to me except that i have relatives in england who i can hopefully use as a forwarding address all good best of luck

received 2nd batch (2001 - mid 2004) comes to approx £600 although i wasnt entirely sure about adding the £8.50 maintenance charges i seemed to get. I think these charges are if i go overdrawn in a month as well as the charge for going overdrawn i get a monthly charge. £600 + £1700 (1st batch 2004-2006) = £2300 total and ill try and claim via Halifax head office in england.....although i joined HBOS when it was still BOS and not merged hrmm. I need to check the banks terms and conditions about that. But things would be a *lot* more straightforward if i am allowed to claim via the english courts.

1st batch (2004 - 2006) total charges comes to £1700. waiting on 2nd batch (2001 - 2004).

ok i contacted the person who i gave the cheque to..... they checked their account. The cheque has cleared and the money is in their account ON THE SAME DAY. now according to their online statement it says it was a TRANSFER not a cheque!!! kinda weird eh??? is this normal? for a cheque to be credited and debited on the same day?

ive paid for things before with cheque and the money didnt come off until 3 - 5 days later. hrmm. However what might make a difference is that the person i paid the cheque to has a HBOS account as well so maybe that is why the money comes off straight away. Ill ask this person if the money went into their account straight away.

If i pay for something by cheque does it go from my account immediately (ie within 24 hours) i had always thought it takes about 3 - 5 days (or longer) But just recently i gave someone a cheque for money i owed them (they preferred cheque) but i didnt have the funds available on that day. (ie today) I have funds available from thursday but not today. But according to the bank (HBOS) it comes off my account straight away. ?? if it comes off my account straight away but doesnt go into the other person's account for up to 5 days then where is it????? In some financial blackhole? thanks guys

i phoned them after this and they confirmed they were sending the statements out. that was a few days ago and today.... Received in the post today 11 individual letters with statements in them but only running from May 2004 up to August 2006. So i think i am due a second batch of statements from 2001 to 2004. (the guy at BOS mentioned 2 batches) A lot of the charges just say "charges as notified" so its unclear what it pertains to. hrmmm.. i guess though its the charges themselves which i am challenging though so no worries. Im also thinking that if my claim is over £750 then ill claim via the english courts because that way i can submit online right? and i dont go through the hassle of multiple claims (each process taking around 3 months) I know someone in england who i could put down as a forwarding address. cheers

our negligence, or any deliberate or negligent acts of any of our employees, agents or representatives, shall be limited to £500 for all such loss or damage she should be able to claim compensation up to £500 i would have thought. negligence on their part.

Hi thanks for the reply. Claiming for 4 years...just have to weigh up whether it will be worth the £40 outlay for the p60s. Still i will have a good hunt round the house for them nonetheless. Heres another question! I have been charged about £140 by a debt agency (letters and admin charges etc) who handled my account on behalf of council (council tax etc) Now i got to thinking that this is a similar sort of thing that banks do. i.e. charge you for breaking t & cs (over and above a reasonable rate anyway?) Can i ask them for a breakdown of these charges? With a view to claiming some back? Are debt collection agencies allowed to charge any rates for things like this? e.g. charges for sending letters out and such.

Hi i wasnt sure where to put this. I am in the process of checking to see if i am due a tax rebate (have 2 jobs but one is only for part of the year) but one of my employers is wanting me to pay £10 for each additional p60 for each year i am claiming. Are employers only obliged to send out 1 p60 per year and the employee has to pay for any other ones? Afaik all i need to do is take the p60s for the years i am claiming down to my local tax office and they will do let me know in a few weeks if i am due a rebate? Also with regard to the bank charges being unlawful situation. Does this also apply to charges that agencies and debt collection companies impose for sending out letters etc? e.g. being charged £10 for a letter they had to send out. thanks

cheers Blacksheep thats pretty much what i suspected.

Hi guys, Can a property agents charge you if you pay them differently each month? For example my girlfriend's property agents want her to pay by standing order each month ONLY. If she pays by cash then they charge her £10 for each time she does this. Is it legal for property agents to be able to use tenants' deposits to make interest on them? (e.g. agents have 10 deposits from different tenants and puts them all in the one high interest account thereby profiting from money which isnt actually theirs) I'm not having a go at property agents just wondered if it was legal to do this. Because it isnt actually their money. --------------------------------------------- The landlord will not be liable to you for any loss, injury or damage of whatever kind which you sustain from any defect or deficiency in any part of the subjects (items/equipment in flat) and you will be held to have satisfied yourself as to the condition of the subjects and contents and by your signature hereto you hereby renounce any claims against the landlord in connection herewith, provided, however that the Landlord shall take reasonable precautions on the receipt of written notce from you to prevent such loss. injury or damage ^^^ this part of the tenancy agreement. Does this mean that the tenant has to inform the landlord if anything is wrong with the flat and if the landlord does not sort it out and the tenant is injured THEN the lanlord IS liable yeah? However if there is something wrong with the flat e.g. wiring of some appliances and the tenant is injured when using the appliance is the landlord liable? Given that the tenant had not given prior notice that the wiring is not fit for purpose. Is this kind of thing usually checked at the inventory??? Which the tenant signs to accept the condition of the flat? What if there is no inventory taken? thanks guys

small update received a letter from HBOS dated 8/8/06 (didnt actually receive this until 17/8/06 !!!! in post) Dear I refer to your above numbered account and your request for details of charges debited to the account. We can provide the information requested but to do so there is a £5 statement charge. Statements will then be provided for the last 5 years Please provide the authority to debit your account or forward £5 cheque. No action will be taken until we receive this. yours sincerely Karen Balsillie Customer Services ????? the manager at my local branch returned my £10 cheque to me so why are they asking for it again lol. Anyway i went into my local branch and the manager just said that its fine i should receive the statements shortly then said smt about if they do take the money from my account it will be re-imbursed ?? hrmmmm should i ignore my manager and just send a letter with cheque to this Karen Balsillie (at a po box address in edinburgh)??

its £750 and under without interest applied i think. still havent received my bank statements myself. Only been a few weeks though. Ill start to worry in Sept!

cheers Mark am claiming against my local old aberdeen branch at the aberdeen university campus. Should receive the bank statements shortly!! For the first time ever im looking forward to mail from the bank yay!

Also given that he has said that there wasnt manual intervention on my account (either that or isnt willing to reveal when manual intervention happened)i assume then that such charges are automated. Ive been hearing that one of the arguments from banks is the cost to make manual interventions on an account hence the high charges. hrmm has anyone else had their bank say to them that they wont tell them when there was manual intervention on their account? (because they arent legally obligated to do so?) edit: if the bank arent legally obligated to record such information then are they legally bound to provide it?????????????? (in accordance with the Data Protection Act S.A.R - (Subject Access Request) request) if by pure chance they did record such information can they then go ahead and delete all such entries from my account and then send the other information to me. Hrmmmmm.... cheers

you need to split it into £750 + interest/costs increments if going through the scottish courts. But are you letting them know straight away that you will be claiming for £2400 ? and will be severing it into £750 chunks? So they might try to consolidate it all into one claim??? Perhaps it is best not to say what your total claim amount is, just what your claim is for each action. That way each is treated as separate actions referring to specified dates and years. I dunno im not at this stage yet.

hrmm ive gone for 5 years thought i wouldnt be able to claim more. Anyone managed to claim 6 years no problem in scotland? Ill adjust my claim if necessary

Hi Folks! an update! Got a letter from local branch today 7/8/06 about my DPA SAR I'll quote exactly what it says...im a wee bit confused. ----------------------------------------------------------------------------- Dear xxxxx Access Request I have today requested your previous five years statements for the above numbered account. Thes will be sent directly to your home address from our business centre. You have requested that i send you details of any manual intervention indication or notes held on your account. We are under no obligation to record this information so no information is available. I have enclosed in this letter the cheque that you provided for this information. You will find enclosed a copy of our leaflet explaining our complaint procedures. Should any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for help. If i dont hear from you in the next eight weeks i will assume you are happy. If you would like to discuss your concerns please telephone me on (local branch bank number) --------------------------------------------------------------------------- Hrmm? Ok does this mean that if i dont contact him he will assume the case is closed and that everything is ok? So i should contact him?? Not sure how he can help because he will just tell me that the charges are part of the banks T & C s Also im not sure about the bit about them not being obligated to record any manual intervention on my account so ergo they dont tell me about it?? This is a bit late but its ok for me to quote most of that letter i got from the bank yeah? Also because they DIDNT take my cheque does that mean it is not a legally binding SAR ?????? thanks ppl things are moving ehh!!! CJ