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Maroondevo52 - HBOS & FOS(Business Account) **WON**

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Hi,

 

I complained to FOS back in August 2007 regarding the charges on my Business Account. Already claimed twice on the same account and did'nt want to risk the Court throwing out a 3rd claim on the same account.

 

They got back to me saying, as they said to most, that all claims were put on 'hold' until after the 'test case'. Last week I e-mailed them stating that the FSA said the 'test case' did not apply to Business Accounts.

 

Today received a letter from FOS.

 

The FSA has recently issued further guidance on this issue and clarified that this does not apply to complaints about default charges on Business Accounts. As a result, HBOS has indicated that it is, in principal, prepared to settle such complaints. It will shortly be in touch with you directly with a settlement proposal.

 

Of course, if it is not possible for you to reach an agreed settlement without our further involvment, you should let us know. Similary, please tell us if your complaint is resolved, so that we can update our records, or should you have not heard from HBOS within the coming six weeks.

 

Here's hoping :)

 

Regards.

 

Scott.

  • Haha 1

 
 

Any advice I give is honest and in good faith.:)

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Yay, nice one :D Mine's a pint :lol:

 

It could be that the FOS are just sending out standard template letters regarding stays without carefully reading the letters they receive.

 

It's a good job you're a Cagger and pointed out their error. Eh up, they might even offer you a job :o

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Yo Scott

 

Any news yet, i think Bo is waiting for a swally:D:p

 

 

 

 

tilly

 


 

 

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HOW NOT TO CLAIM...Click here!

 

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.please remember that any advice i give is purely my own experience or opinion thankyou

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I'll tell you when the cheque clears ;)


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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read ya loud and clear lol oooh only 6 to go ;):o

 

 

 

tills


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

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.please remember that any advice i give is purely my own experience or opinion thankyou

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Ohhhhhhhhhhhh

 

 

Mines a bacardi 'n' coke no ice ;-)


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

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only the one saintly:D


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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There are some very nice people at HBOS,;) Sometimes, not too smart :p

More to come............


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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You havent seen my measures tilly ;-)


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

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Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Long Tall Glasses for all you lovely people :D


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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in that case mine's a voddy:D and just to be different can i have a brolly in mine:lol:


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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God, just realised, I'll have to make a donation. What's 5% of £24.75 :p

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Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Whoop Whooop 2000 posts, :D

 

 

 

 

 

 

 

 

 

 

Tills


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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icon1.gif Re: Shocking Brand Name Sony Vaio

Just remembered, I've got loads of old wallpaper, some with very nice patterns, used some for the bairns school jotter.

 

saved for prosperity your 2000th post


Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

Forum rules

Cag toolbar

 

 

Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Woo hoo - Scottie got 2000 posts. Congrats hun :D

 

Time for a wee swally then? :lol:

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I had a phone call from BOS, regarding my complaint to FOS about the charges on my Business Account.

The lady said she had counted up all my charges, then deducted my previous two claims, and they were willing to make me an offer but disputed the amount I had claimed.:eek:

 

The amount I claimed was £4,961.00. Well they were not willing to pay that and would like to offer me, as Full and Final £4,945.00.

 

What !! £16 short, no way. I'll see you in court :p

 

No, what I did say was, that's very good of you, do you have my address so you can send me a cheque.

 

Cheque now banked and cleared, I'm away to look at a new van tomorrow ;)

 

Thanks for all your support.

 

Donation on it's way.

 

Regards.

 

Scott.

 


 
 

Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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congratulationsbluerainda3.gif

Any typos spelling mistakes are due to leprechauns in my keyboard they move the letters around sometimes (amended just for Bookie)

 

"How do I...?" A Dummies' Guide to this Forum

FAQ

Forum rules

Cag toolbar

 

 

Please Donate if you can - help CAG help others

 

I offer help and advice in good faith, based on my knowledge and experience. I am NOT a legal or financial expert. There are many CAG members and site team who are better qualified. Please do not make major decisions based on my advice alone.I do not give advice via P.M's. If anyone can correct my mistakes or improve on my advice, please do.

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Congratulations.gif

 

 

Whooooooooo way to go Scott


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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th_2525257EDySnag042525257EWoooHooo.gif

 

Well done Scott.


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Congratulations, Scott! :D

 

Thread title changed.

 

Els


BANK CHARGES CAMPAIGN CONTINUES - PLEASE SIGN THIS PETITION

 

Aktiv Kapital £300.00 SETTLED IN FULL

Capital One £741.47 SETTLED IN FULL

Citi Cards £1221.00 SETTLED IN FULL

LTSB(personal) £3854.28 SETTLED IN FULL

LTSB(business) £7487.97 SETTLED IN FULL

 

What poor education I have received has been gained in the University of Life

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If your getting the drinks in i will have a very large voddy. :D

 

In fact, sod it, just leave the bottle. :p


HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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If your getting the drinks in i will have a very large voddy. :D

 

In fact, sod it, just leave the bottle. :p

 

 

Well there's a surprise the first up to the bar as usual :rolleyes::p

 

Oh and scott don't forget the straw :D


 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Scott, I am delighted for you!!!!!!!!!!

Congratulations!!!!!!!!!!!!

"and another one bites the dust,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,,and another one!!!!!!!!!!"


Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

kennythecelt@consumeractiongroup.co.uk.

 

 

 

Thankyou Kennythecelt:)

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Fantastic news Scott! Congratulations!:D


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I had a phone call from BOS, regarding my complaint to FOS about the charges on my Business Account.

The lady said she had counted up all my charges, then deducted my previous two claims, and they were willing to make me an offer but disputed the amount I had claimed.

 

The amount I claimed was £4,961.00. Well they were not willing to pay that and would like to offer me, as Full and Final £4,945.00.

 

What !! £16 short, no way. I'll see you in court

 

No, what I did say was, that's very good of you, do you have my address so you can send me a cheque.

 

Cheque now banked and cleared, I'm away to look at a new van tomorrow ;)

 

Thanks for all your support.

 

Donation on it's way.

 

Regards.

 

Scott.

 

 

smileys.gif

 

YEE HAAAAAA NICE ONE SCOTT,

CONGRATULATIONS !!!!!!!!!

 

If your getting the drinks in i will have a very large voddy.

 

In fact, sod it, just leave the bottle. :p

 

Oh and scott don't forget the straw :D

 

Methinks you have "groupies" :lol:

 

 

 

And oi you, never mind the van, what about the wife?

 

 

 

party-smiley-558.gif

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