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Robertxc can you help ? or anyone else!

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My names Scott, I've had a Business account with the Bank of Scotland for about 28 years. Over the last 6 years I've been hammered with ex/od charges and returned d/d charges to the tune of 6,700. pounds.

I recently sent letter asking for these charges to be refunded. Got standard fob of letter offering 325 pounds in full and final settelment, I accepted this but not as full and final settelment. Informed them I would be looking to claim back full amount due.

They responded by offering the same amount again but leaving it open so I could reconsider. They ended their letter by saying "having considered all the circumstances of the case, it seems we have reached the position where no further explanations will serve any useful purpose".


I just want to know how to proceed, I know the limit in small claims courts in Scotland is 750 pounds and I can only claim for the last 5 years.

Can I claim 5 separate years charges back all for 750 pounds, giving me a total of 3,750 pounds.


Your help would be appreciated, I live in Edinburgh, my account is a Business Account held in Edinburgh and I wrote to the head office at The Mound, also in Edinburgh.




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As far as I can see from other threads that is the way to go...if it does go to court and you add interest it may take it over the £750. try reading the "Scotland" forum



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oops may have got that "slightly wrong"


you can bring as many actions to the value of about £750 pounds as you want. So it is quite feasable to get all your money back. Its NOT per year.



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As far as i have read previously you can only take them for £750 each and every time although dont start a fresh claim until the other one is settled as they can then add them together and then you cant go through the small claims court, Its a pain in the bum with it being in Scotland and only able to claim £750 a time, but good luck, i sent my letter to St Andrews Hse and still not got a reply to my dpa letter, so patiently waiting on that.

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Thanks for the help,


I shall try to claim the lot back in £750 amounts, I'm not to fussed about the interest.


Thanks again.



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