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RoxyK v BoS


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Hi all,

 

I posted a few days ago asking for some help on Scottish claims, well......thanks to this brilliant site and all your helpful advice I have well and truely started my claim against the Bank of Scotland!

 

06/06/06: I went into my bank and asked for five years of my statements, paid the £5 fee and they were sent out 12/06/06.

 

(12/06/06 - 19/06/06 I was on holiday so no action took place).

 

20/06/06: I calculated all my charges to be £,2536, 1st letter asking for my money back was sent.

 

24/06/06: Letter recieved from the Bank of Scotland "I am sorry to hear your concerns regarding charges on your account blah blah blah a customer relations manager will get back to you within four weeks blah blah blah!"

 

24/06/06: LBA sent today.

 

Here is hoping they will take this next letter a bit more seriously! If not, I've already filled in my claim forms, ready to be handed in to the court!

 

Roxy x

BoS - £2536.00 - 1st Letter sent 20/06/06

BoS - Standard reply received 24/06/06

BoS - LBA sent 24/06/06

BoS - Reply received offering £400 6/07/06 (Refused)

BoS - Offer upped to £1,200 via telephone 7/7/06 (Refused)

BoS - Court Action Raised 10/07/06

 

Store Card - £87.56

1st Letter sent - 24/06/06

Reply Received with full repayment of charges! - 04/07/06

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  • 2 weeks later...

UPDATE:

 

I received a letter from the BoS on the 6 July 2006 stating the usual stuff..."we believe our charges are legal and correct blah blah blah" the letter went on to offer me £400 as a full and final settlement.

 

I telephoned the Customer Relations number that was given and politely acknowledged receipt of the letter and noted that unfortunatley, I would only be able to accept the £400 as part settlement and would still be looking for settlement of the full balance of £2,536.

 

The bank refused and after I mentioned that "As per my letter of 26th June, I would be submitting a claim against the BoS to refund all of the outstanding balance and that day would be Monday 10th July" they upped the offer to £1200 again, I declined this offer and mentioned I would not be able to accept any offer apart from the full £2,536.

 

Thw woman was really rude on the phone, she said, get this..."I should be GRATEFULL that the bank was willing to help me and they have been more than helpful towards me"!!!! I couldn't believe it!

 

So my claim goes into the court on Monday, I have to say, I am a little scared, Just because I need to do it in three seperate claims!

 

Many thanks for all your help guys,

 

Roxy x

BoS - £2536.00 - 1st Letter sent 20/06/06

BoS - Standard reply received 24/06/06

BoS - LBA sent 24/06/06

BoS - Reply received offering £400 6/07/06 (Refused)

BoS - Offer upped to £1,200 via telephone 7/7/06 (Refused)

BoS - Court Action Raised 10/07/06

 

Store Card - £87.56

1st Letter sent - 24/06/06

Reply Received with full repayment of charges! - 04/07/06

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Phoned on Monday 10/07/06, upped offer by £7 to £1,207 rather strange one anyways, I declined and started court proceedings for claim one!

 

Roxy x

BoS - £2536.00 - 1st Letter sent 20/06/06

BoS - Standard reply received 24/06/06

BoS - LBA sent 24/06/06

BoS - Reply received offering £400 6/07/06 (Refused)

BoS - Offer upped to £1,200 via telephone 7/7/06 (Refused)

BoS - Court Action Raised 10/07/06

 

Store Card - £87.56

1st Letter sent - 24/06/06

Reply Received with full repayment of charges! - 04/07/06

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  • 4 weeks later...

Hello

 

Good news!! The bank caved and payed my first £738.00, from my first claim of £2,536.00!

 

Right...so this is what has happened, I tried to use my card last week and it was eaten by the machine, I was totally angered, I called the bank to find out that my card had passed its valid date, the man I was talking too was shocked as the bank is meant to send the new card a month before your card runs out...no card had been sent, strange...now when did I start this...oh yeah, a month before my card ran out!!!

 

Anyway he sent out a new card and when i recieved it, it was just a rubbish cash line card, I went to ring up and have another go but as it went through the account details..my account was exactly £738 over what I expected it to be, ya hoo!!!

 

Still not recieved any correspondence from the bank though...they seem to have just paid it and not even bothered to write to me!!!

 

SO, now I am wondering what to do next....do I send out another LBA asking for the entire amount minus what they have paid?? They also neglected to re-pay me my costs and the interest from my first claim, can I ask for that back again in this letter, just add it on to the bill???

 

Thanks for any help!!

 

Roxy xxxxxxx

BoS - £2536.00 - 1st Letter sent 20/06/06

BoS - Standard reply received 24/06/06

BoS - LBA sent 24/06/06

BoS - Reply received offering £400 6/07/06 (Refused)

BoS - Offer upped to £1,200 via telephone 7/7/06 (Refused)

BoS - Court Action Raised 10/07/06

 

Store Card - £87.56

1st Letter sent - 24/06/06

Reply Received with full repayment of charges! - 04/07/06

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Hey RoxyK

Brilliant News. Congratulations

Mine was paid out today also.

My interest went in from a diff department, claim money went in before interest payment. Check to make sure, its maybe in now.

By the by do you know how to change the title of your thread?

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Hi,

 

Sorry, i'm not sure how to change the title of the thread, perhaps only the mods can do it??

 

Thanks for your message! Well done to you too for getting your money back, yey!

I'll check with my bank if the interest and costs have been paid in, thanks for that!

 

Do you, or anyone, know if there is a letter for the next stage...or do I just go back to the LBA and add in a section at the top which says "Thank you for your payment on 4 August, the total now stands at..blah blah blah"???

 

Thanks again!

 

Roxy xxxx

BoS - £2536.00 - 1st Letter sent 20/06/06

BoS - Standard reply received 24/06/06

BoS - LBA sent 24/06/06

BoS - Reply received offering £400 6/07/06 (Refused)

BoS - Offer upped to £1,200 via telephone 7/7/06 (Refused)

BoS - Court Action Raised 10/07/06

 

Store Card - £87.56

1st Letter sent - 24/06/06

Reply Received with full repayment of charges! - 04/07/06

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