Jump to content
danhall

BOS / Halifax Complication

style="text-align:center;"> Please note that this topic has not had any new posts for the last 4656 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you

Recommended Posts

Hi

 

Am claiming £815 back from BOS and have sent my 'Preliminary Approach For Payment' Letter.

 

I have now received a reply within the 14 days, but as BOS has now merged with Halifax, the letter has come straight from Halifax PLC Customer Relations and there is no connection with BOS on the letter at all (There isn't even a BOS emblem, the address etc etc etc is all Halifax).

 

  • My question: Does this matter?!?!? My claim is against BOS who's head office is in Edinburgh, so should I continue contacting them or now deal with Halifax at the address on the letter I have received?

  • Also: They have said that 'A Customer Relations Manager will investigate the points you have raised and you will receive a reply shortly, but certainly no later than 4 weeks'. This is bulls**t, as they have 14 days to reply as I understand it, so should I send the next letter once the 14 days has passed?

Thanks for any advice!!


'Non Illegitimati Carborundum'

('Don't Let The B*****ds Grind You Down')

 

________________________________________

 

  • Bank Of Scotland - Claiming £1221.27.

  • 17/7/06: Sent Prelimary Request For Payment. :)

  • 20/7/06: Received reply saying Customer Relations will investigate and I will receive reply 'no later than 4 weeks'! :mad:

  • 1/8/08: Sent Letter Before Action. :)

  • 8/8/06: Received letter offering 'Goodwill gesture' of £137.00, which I have replied 13/8/06, saying I would accept as part payment. :|

All quiet on the Western Front - no contact from them...

 

  • 29/8/06: issued Court Claim via Money Claim Online for £1221.27 - Keep your fingers crossed because I have just paid £120 Court Fees and am a little nervous. . . ! ! ! ! ! :?

Share this post


Link to post
Share on other sites

As far as i am aware it makes no difference to the case now they have merged with halifax, means the statements take a bit longer to recieve, and you get your mails from a leeds address.

 

Good luck with your case, im still waiting on the rest of my statements jsut now.


Bank of Scotland student account:

June 23 Data Protection Act sent

July 23 statements recieved

Aug 1 Prelim sent for 3660

Aug 3 comedy letter recieved

Aug 30 laughable £260 final settlement offer and LBA sent

Oct 07 Settled £1800

Share this post


Link to post
Share on other sites

Stick to YOUR timetable. You are in charge. Not them. I'm at the exact same stage and their first lot of 14 days will have passed at the end of this week and it'll be letter before action time. Is it the HBOS logo that is on the correspondense? I'd just send your LBA to the same address you sent the first letter too as I'm sure it'll get to the appropriate person via their internal mail system anyway!


BOS

Claim No.3 for £589.75+8%, Decree received, Sheriffs Officers instructed to serve a charge 21/4!

Claim No.4:- claiming £1507.00, Court Papers submitted 5/4 !

Share this post


Link to post
Share on other sites

The logo on the letter is just the Halifax one and there is NO mention of BOS at all.

 

I think I am going to send the ' Letter Before Action' on Monday when there 14 days is up and stay consistant and send all correspondence to the BOS Head Office address in Edinburgh . . .

 

Thanks for your help!


'Non Illegitimati Carborundum'

('Don't Let The B*****ds Grind You Down')

 

________________________________________

 

  • Bank Of Scotland - Claiming £1221.27.

  • 17/7/06: Sent Prelimary Request For Payment. :)

  • 20/7/06: Received reply saying Customer Relations will investigate and I will receive reply 'no later than 4 weeks'! :mad:

  • 1/8/08: Sent Letter Before Action. :)

  • 8/8/06: Received letter offering 'Goodwill gesture' of £137.00, which I have replied 13/8/06, saying I would accept as part payment. :|

All quiet on the Western Front - no contact from them...

 

  • 29/8/06: issued Court Claim via Money Claim Online for £1221.27 - Keep your fingers crossed because I have just paid £120 Court Fees and am a little nervous. . . ! ! ! ! ! :?

Share this post


Link to post
Share on other sites

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?




  • Tweets

  • Posts

  • Our picks

    • This is a bit of a lengthy one but I’ll summerise best as possible.
       
      THIS IS HOW THE PHONECALL WENT 
       
      I was contacted by future comms by phone, they stated that they could beat any phone contract I have , (I am a limited company but just myself that needs a business phone and I am the only worker) 
      I told future comms my deal, £110 per month with a phone and a virtual landline, they confirmed that they could beat that, £90 per month with a phone , virtual landline  they also confirmed they would pay Vodafone (previous provider) the termination fee. As I am in business, naturally I was open to making a deal. So we proceeded. 
      Future comms then revealed that the contract would be with PLAN.COM and the airtime would be provided by 02, I instantly told them that this would break the deal as I have poor 02 signal in the house where I live as my partner is on 02 and constantly complaining about bad signal
      the salesman assured me he would send a signal booster box out with the phone so I would have perfect signal.
      so far so good.....
      i then explained this is the only mobile phone I use for business and pleasure, so therefore I didn’t want any disconnection time in the slightest between the switchover from Vodafone to 02
      the salesman then confirmed that the existing phone would only be disconnected once the new phone was switched on.
      so far so good....
      • 14 replies
    • 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
        • Like
      • 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/
      • 57 replies
×
×
  • Create New...