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mark.a.wilson

Mark v Bank of Scotland

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Hi,

 

Ive finally worked out how to start a new thread - phew!

 

I handed my initial letter in to my branch on 06 July and had to do a bit of talking before they would give me a reciept. I recieved a delaying letter back on 12 July advising me that they do not have this information by itself but they would give me the information in statement form.

I replied to them on 20 July and recieved the first 3 years a few days later. Approximately a nother week later i recieved the rest in individual envelopes!!!

 

I have filled in the Schedule of claim template which comes to £1488 with the interest another £204.51 (@ 8%).

 

Having read other threads it would appear that i have to split my claim in to three to keep under the £750 Scottish small claims limit.

 

Do I send the schedule with my letter to the bank including the interest or just the charges at this stage and do I send the three seperate claims in at the same time??

 

Thanks

 

Mark

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I have filled in the Schedule of claim template which comes to £1488 with the interest another £204.51 (@ 8%).

 

Having read other threads it would appear that i have to split my claim in to three to keep under the £750 Scottish small claims limit.

 

 

you can claim upto £1500 using Summary Cause, still Small Claims Court, look here

Summary Cause Guidance Notes


Bank of Scotland round 1: £740 + costs settled, still sore over the 8% grrr

Bank of Scotland round 2: £629 +101.15 interest +£39 costs settled.

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Hi guys - just a little update.

 

Sending my Preliminary Approach for Payment along with the Schedule of Charges for £1693.00 on 23/08/06.

 

I'll keep you posted how I get on.

 

Mark

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i am avidly going to follow your progress mark as this is what i will be going through. good luck to you. jules


bos~ Data Protection Act sent

~ statements received

~ owed £1766.82

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

bos Data Protection Act sent

~ statements received

~ owed £1217.86

~ prelim letter sent 30/08/2006:D

~lba handed in 14/09/2006

court date issued of the 17th november

27th oct full offer totalling everything including 8% interest court costs and £10 dpa sar..... one down next to go.

 

rbs~ Data Protection Act sent off 21/09/2006:mad:

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Hi,

 

Ive finally worked out how to start a new thread - phew!

 

I handed my initial letter in to my branch on 06 July and had to do a bit of talking before they would give me a reciept. I recieved a delaying letter back on 12 July advising me that they do not have this information by itself but they would give me the information in statement form.

I replied to them on 20 July and recieved the first 3 years a few days later. Approximately a nother week later i recieved the rest in individual envelopes!!!

 

I have filled in the Schedule of claim template which comes to £1488 with the interest another £204.51 (@ 8%).

 

Having read other threads it would appear that i have to split my claim in to three to keep under the £750 Scottish small claims limit.

 

Do I send the schedule with my letter to the bank including the interest or just the charges at this stage and do I send the three seperate claims in at the same time??

 

Thanks

 

Mark

 

I just included the schedule for the full amount of charges at the prelim/ LBA letter stage, you don't however mention the 8% interest until court summons time! :)


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 !

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Hi Jules / Thanks Gargoil,

 

I was a bit mixed up with the normal interest and the judicial interest - Ive included the normal interest (£208ish) using the spreadsheet template but not the 8% Judicial interest.

 

Ive also sent DPA letters to Bank of Scotland Visa / Littlewoods Persoanal Finance / Ford Credit.

 

Im not sure what charges may be on these accounts, but there must be some over the past 5 years - £20 is £20!!!!

 

Cheers

 

Mark

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Sent Prelim request for payment on 23/08 - nothing heard yet only 2 days to go before the 14 days are up. Should i call them? and if so what should be said.

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I would not call, but someone may call you as time is running out... They will (if same as me) offer you £110, then you send the LBA, and they will offer you £330 then I am unsure wether you have to send anothe LBA...?

 

GK

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