Jump to content
maroondevo52

Robertxc can you help ? or anyone else!

Recommended Posts

Hi,

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.

 

Thanks,

Scott.

Share this post


Link to post
Share on other sites

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

 

Dave

Share this post


Link to post
Share on other sites

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.

 

Dave

Share this post


Link to post
Share on other sites

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.

Share this post


Link to post
Share on other sites

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.

 

Scott.

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...