Jump to content
hondamad21

BOS CC offer. . .

Recommended Posts

Hello all,

 

I had sent my DPA request (standard letter from library) for Halifax & Bank Of Scotland credit card on the 5th June.

 

Today received two thick brown letters containing my statement for the last 6 years.

 

The cover letter states . . .

---------------------------

Dear Mr XXXX

 

Our Reference: xxxx xxxx xxxx xxxx

 

I refer to your recent communication and enclose a copy of your statements(s).

I hope this meets your requirements.

 

Your Sincerely

 

Amy Lawrie

---------------------------

 

I did not just ask for the statements but also any manual intervention (as per the standard DPA letter).

 

Dose anyone think it is worth chasing them for this? Or should I just add up the fines and request repayment ???

 

thanks in advance,

 

Hondamad21:)

Share this post


Link to post
Share on other sites

Dont worry about manual intervention, just add the charges and you're away!

 

Good luck

Share this post


Link to post
Share on other sites

Hi,

 

Sent my DPA on the 5th June. Received my statements on the 22nd June. Sent initial letter. Received reply yesterday. . .

 

“Thank you for your letter . . .

 

We incur costs for administering . . .Bank believes it is fair . . .

 

Charges clearly outlined in terms and conditions . . .Complying with the Banking Code.

 

To demonstrate our commitment to you as a valued customer, prepared to offer a refund for half the amount applied to your account in the past six years. “

 

If anyone wants the full version I can type it up for them.

 

Just wondering dose anyone have a letter to basically say that I accept this as a part settlement and I will continue proceeding until then ?

 

 

Thanks in advance,

 

Hondamad

Share this post


Link to post
Share on other sites

Hi Hondamad,

Unfortunatley if you say you will fight for the balance of charges still owed they will probably withdraw the offer and make you fight for all of it.

BoS called me and I was offered around a quater of my charges back, I said yes please but i will go to court to get the rest, next day i got a letter saying i had declined the offer as Full and Final settlement.

Sorry if this is not what you wanted to hear.

Mairi

Share this post


Link to post
Share on other sites

Hi Mairi,

 

I expected as much. But I am willing to hold out for the full refund.

 

So what happened with your claim?

 

Regards,

 

Hondamad

Share this post


Link to post
Share on other sites

Hi Hondamad,

I had to submitt my first of many small claims to the court on 6/6. And am hanging around waiting for the return date 18 Aug.

Havn't heard a cheap from them yet.

Mairi

Share this post


Link to post
Share on other sites

Hi,

 

Received a letter from BOS CC today offering the to pay back the charges. However they are refusing to pay the interest that was charged to me for the unlawful charges. To confirm I am not talking about the 8% we add when we take the claim to court but the interest that they have charged me, which i calculated through Vampiress great spreadsheet.

 

Should I accept this offer or hold out for the full sum that includes the interest I have had to pay?

 

kind regards,

 

Hondamad21

Share this post


Link to post
Share on other sites

hondamad21,

 

Seems to me you should hold out for the full amount as if BOS wants to take issue with the amount you have added on for interest then they will, ultimately, have no option but to see you in court.

 

Clearly, the chances of this happening are remote though it might, I guess, mean it takes you a little longer to get your money.

 

Fred_Funk

Share this post


Link to post
Share on other sites

I agree. They will try their best to put you off, but I can't see the sense in them going to court for this small part, which is a genuine attempt to work out the interest.

 

Accept only on the basis that it is a partial settlement, and make it clear that they will face court costs plus interest persuant to s.69 County Courts Act if they don't settle your claim in full

Share this post


Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.


  • Recently Browsing   0 Caggers

    No registered users viewing this page.



  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      http://www.fsa.gov.uk/pages/Library/Communication/PR/2010/120.shtml
      http://www.fsa.gov.uk/pubs/final/redstone.pdf
      http://www.fsa.gov.uk/pubs/final/db_uk.pdf
       
      http://www.fsa.gov.uk/pages/consumerinformation/firmnews/2011/db_mortgages.shtml
      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
       
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
       
      • 42 replies
×
×
  • Create New...