Try this number and speak to Jamie McGill in the Legal Department of BOS (he's a lawyer). He seems like a good guy. 01422 391895.

What exactly does "prescribed" mean?

I won back £350 from RBS recently. This morning I recieved a leaflet notifying me of changes to the wording of their contract for Business Current and Savings accounts. The key change is that they are replacing the words "unauthorised overdraft" to "unarranged overdraft". Also that any ocurrence of debits or cheques that could not be met, will be treated as a "variation to the terms of the contract". I'm sure that these legal semantics will mean that they intend to continue to make their charges, and have confidence in in their legal position to do so.

I've just recieved a letter from Margaret Wilson, Deputy Team Manager, at the Bank of Scotland. She is confirming that they "are not prepared to refund the charges levied, for the reasons stated in Willie's (Carson) letter". I'm going to phone her now.

I just received a letter from the Royal Bank of Scotland to confirm that, whilst admitting no wrongdoing, they are repaying me the full £350 in unlawful charges they took off me! Now all I need is for the Bank of Scotland to give me the £965 that they owe me too. I'm pretty chuffed!

Thanks, Ah say thanks Rooster. I spoke to Willie Carson, Customer Care Manager at BOS (on 0845 850 0431), this morning, after recieving his letter denying my claim. I asked him why he would deny my claim whilst settling many many others. Would n't he just have to cough up like they did for all the others? Was I a special case, and different to all of the other claims that they have settled? He refused to comment on other cases, but said that he was unaware that anyone had been repaid their charges. I made it clear that I would be submitting my court papers as soon as the 14 days notice had run out, unless they saw sense and paid the money to me. We'll see what happens.

I notice that on the weekly court lists at the Glasgow Sheriff Court, the Summary Cause cases of individuals against banks rarely show that a law firm is acting for either side. Does this mean that in cases like ours, the banks arent even appointing court solicitors, as it would be a further waste of their (our) money. What I find most despicable, is that they keep charging and denying claims, whilst settling others at the very same time. Bank staff have clearly been instructed to lie to customers and claim that they dont know of any such successfull claims.

Hi guys. I have sent an LBA last week to BOS (£965) and RBOS (£350). I have had the usual fob off from each. Come the 14 day point I'll submit my claim to the court. I'll keep you posted.

Why would you move the post to the Abbey Bank Group when I'm after the BOS and RBOS?

Hi guys. I have sent an LBA last week to BOS (£965) and RBOS (£350). I have had the usual fob off from each. Come the 14 day point I'll submit my claim to the court.