SJW vs Bank Of Scotland

[sjw]

Sent of my request for full statements and asked them to explain the charges, received the info back within 2 weeks.

 

Have calculated the total, and in 5 years, its only £272, not as much as most people on here, but its better in my pocket than theirs:)

 

Will be sending the prelim letter later today requesting a full refund. Hopefully it will soon be with me:D

[goforit]

Sent of my request for full statements and asked them to explain the charges, received the info back within 2 weeks.

 

Have calculated the total, and in 5 years, its only £272, not as much as most people on here, but its better in my pocket than theirs:)

 

Will be sending the prelim letter later today requesting a full refund. Hopefully it will soon be with me:D

 

Good chance they'll settle. Remember don't accept anything less than FULL settlement of the charges. I would also claim contractual interest, which you can claim from this point forward.

[JMio]

Going from personal experience, you'll probably be offered a partial refund, then maybe an increased partial refund, and if / when you take it to Court - they'll pay out on the lot.

[sjw]

received a letter from the bank today, it says that they are looking into my issue regarding the charges, and that they will respond to me within the next 4 weeks:rolleyes:

 

Will wait and see what happens now, although I dont think 4 weeks is reasonable, maybe wait the recommended 2 weeks then LBA them;)

[Tink]

stick to your timescales, do not be sidetracked by the timescale they want to work to. This is your claim and your timetable, carry on with the format and you'll do fine.

 

Good Luck

 

T

[sjw]

Was originally sent a letter saying they would get back to me within 4 weeks.

 

I cant believe that 4 weeks has passed since I sent it, I was prepared to LBA them after 2 weeks, where did the time go:?

 

Sent them the LBA yesterday, will hopefully receive a letter from them soon

[sjw]

Finally received a letter from them offering me £68, which is exactly 25%.

 

The letter is long winded, and basiclly says, we have incurred costs, and need to pass these on, its your responsibility to keep your account in good order, we can close your account etc etc.

 

Seems like a bog standard letter to me:mad:

 

I am not accepting that amount, so will contact them and confirm my LBA still stands, and that they have 2 weeks to refund the costs in full, or we will be going to court:)

[sjw]

havent heard anything yet

[sjw]

Have been away on holiday, so a bit behind with this case.

 

I have been sent a letter, it says im getting nothing back now, not even what they offered.

 

I now have to take them to court, im based in scotland, so cant use MoneyClaim.

 

Has anyone done this in scotland, if so, can you give me a few pointers;)