Help please

[jolly]

Hi after sending my second letter (LBA) demanding repayment of £965 I received a phone call from the Bank of Scotland offering to increase their goodwill refund from £120 to £325. Now I refused over the phone and she said oh well your bad luck I will send you a copy of how to contact the financial ombudsman service. She said - 'please understand that we are not prepared to refund all of the charges that you have incurred on your account over the last six years.' I told her i would be going to the small claims court.

 

Can any one advise me what has the financial ombudsman got to do with this - she also mentioned that the oft statement about bank charges being unfair only related to credit cards - is this true. What do I do now?

[andrea82]

Stick to your guns scare tactics that is your money and she knows it, take the next step file a claim, I'm sure they will son see you mean business

[Solowka]

at least you`ve had offers lol, im at the claim stage (papers served on the 9th) and i`ve had nothing, not even an acknowledgment hehe, but andrea is right, stick to your guns and you`ll soon get it all back.

 

The finanancial ombudsmen just deal with complaints, its a lenghy process and not worth dealing with, court is the way to go now.

 

Good luck