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theboyneil

HELP! Scottish bank, but liive in England

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Hi - can someone help me out with some advice PLEASE!!

 

i'm Scottish, and have banked with the Bank of Scotland since i was 16 (27 years old now), but 4 years ago i moved to England and have lived down south ever since.

I recently started the process to reclaim my bank charges - started by sending a letter to head office for the last 6yrs of my statements - which i received. From these i calculated that i had paid approx £3010 over the last 6yrs - so i sent a letter to the bank last week saying i would be wanting these charges back - and habe sice received a letter saying they are looking into this matter and will be getting back to me.

 

ok so far - BUT...... i've been told by a few friends that because its a Scottish bank and i'm Scottish - that i can only claim charges for the last 5years and that under scottish law i can only claim up to £750 in small claims?!

 

Can someone please clarify this for me before i proceed with any court action - i'm SO confused!

Can i only claim back 5 years? can i only claim £750? and IF i try to take the bank to court - do i apply to the Scottish or English court system?! i will probably be living and working in england for the rest of my working life.

 

any information would be greatly, greatly appreciated!

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Guest BlueRuby

As far as I'm aware - and if I'm wrong someone will surely correct me! - you are living in England so you are under English law. It doesn't matter that you're Scottish, you're resident in England. So the limit in the Small Claims is £5000 and you can go back 6 years, hooray :D Make sure you send your letters to the bank's English address which I think is Halifax, Yorks. Good luck.

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As far as I'm aware - and if I'm wrong someone will surely correct me! - you are living in England so you are under English law. It doesn't matter that you're Scottish, you're resident in England. So the limit in the Small Claims is £5000 and you can go back 6 years, hooray :D Make sure you send your letters to the bank's English address which I think is Halifax, Yorks. Good luck.

 

Spot on!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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