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About banksarerubbish

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    Basic Account Holder
  1. This topic was closed on 03/06/19. If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there. If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened. - Consumer Action Group
  2. Excellent news! YAY! My court date is et for April 20th against BoS so it's helpful to know i shouldn't expect to hear anything from them until jst before the return date.
  3. i'm ready to start my court order but i'm not sure which court i should be using. my branch is about 5 miles away from where i live now and is therefore served by a different court. when you issue the court claim, are you raising it against the bank manager of your particular branch? if so, i suppose i should use the court which serves my branch. thanks in advance.
  4. i live in glasgow. how do you go about raising a court order in scotland? can you do it online? also, i thought it was very unlikely banks would defend a claim????? scary stuff.
  5. Posted another letter to the Customer Relations Manager today stating that i am not prepared to accept settlement of £130 odd pounds and that i wish a full refund of £548. Will just have to wait and see what the response is!!
  6. Have just trawled through all of my statements and calculated the total charges applied to my account over the last six years. A staggering £548! I shall definitely be asking for a full refund.
  7. Forgot to mention in previous post that BoS provided a list of bank charges and statements for the last six years free of charge "in the interests of customer service".
  8. Well, i sent off my letter requesting 6 years of statements on 16/03/06 and to my surprise received a huuuge envelope today containing 6 years worth of statements! However, it seems BoS haven't taken kindly to my complaint regarding their charges. The accompanying letter reads as follows: "Thank you for your recent letter........ I'm sure you will appreciate that like other organisations we incur costs for every transactio made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it
  9. MrsMiggins, i would just like to say that i thoroughly enjoyed reading the above transcript! Highly entertaining! Go you! I shall be having a similar conversation with one of my telephone banking advisors....
  10. I sent Bank of Scotland the standard "can you please refund the charges applied to my account" and a mere branch manager responded with the following irritating and patronising communication: "with reference to t and c's of your current account.......funds must be in the account before transactions are made....charges will therefore remain on your account..". Wait for the best bit: "I understand your frustration" (do they really????!!) "as no one likes paying charges, please contact us if you need advice on how to manage your account." I think my branch manager needs to contact me
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