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Bank Of Scotland v Mckay

 

Initiated process January 07

Accepted offer reclaiming full amount (£1895) without interst 31st May

 

Many thanks to all here at CAG

 

Donated yesterday.

 

Specific thanks to seasidelady , dursary, moneyhelp.

 

keep it up all, and dont be discouraged by put offs.

 

RECLAIM THE RIGHT - I DID AND I WON

BOS CASE 1 SETTLED IN FULL £1895 June 07

BOS CASE 2 IN PROGRESS *

_____________________________________________

knowledge is often mistaken for intelligence, this is like mistaking a cup of milk for a cow!

_____________________________________________

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All the best, thanks for the encouragement. Take care and good luck!

 

Congratulations again!!:-)

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

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Nice one. ;)

Bank Of Scotland v Mckay

 

Initiated process January 07

Accepted offer reclaiming full amount (£1895) without interst 31st May

 

Many thanks to all here at CAG

 

Donated yesterday.

 

Specific thanks to seasidelady , dursary, moneyhelp.

 

keep it up all, and dont be discouraged by put offs.

 

RECLAIM THE RIGHT - I DID AND I WON

If my advice has helped, please click on my scales. Thank you!

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I claimed for £2335 (or there abouts) and got the standard letter back saying that the charges were acceptable. Anyway I phoned up to say I wasnt happy and they passed my case for further review. I got a letter on Friday to say that as a gesture of goodwill etc they would deposit £1089.50 into my bank account. Well I am exstatic to have this extra money but dont know whether I should maybe phone and say I am not happy and want the full amount or at lest nearer to the full amount????? I dont know how they came up with the figure they have given me???

Anyone any suggestions as to what I should do? I am a bit scared to o anything in case I come away with nothing!!!!:confused:

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Hi curly girl,

 

I am still at the early stages of my claim as in I'm waiting to recieve the list of charges. Having said that, I have done a lot of research and this seems to be the usual trick they try - as in offering you a lower offer to begin with. If you do not have the time to read through the various treads (which others were in the same situation as you and carried on with their claim and got a better offer) then may I suggest that you get in touch with a member on this site called Perseus, who be able to answer that same question for you. Good luck and keep us posted with the progress. If I were you before callin them (bank) seek advice from this forum as in what to do.;)

I claimed for £2335 (or there abouts) and got the standard letter back saying that the charges were acceptable. Anyway I phoned up to say I wasnt happy and they passed my case for further review. I got a letter on Friday to say that as a gesture of goodwill etc they would deposit £1089.50 into my bank account. Well I am exstatic to have this extra money but dont know whether I should maybe phone and say I am not happy and want the full amount or at lest nearer to the full amount????? I dont know how they came up with the figure they have given me???

Anyone any suggestions as to what I should do? I am a bit scared to o anything in case I come away with nothing!!!!:confused:

If my advice has helped, please click on my scales. Thank you!

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Hello,

Can anyone help me as we received a letter from the Halifax stating that the bank charges they lieved from our accounts were just and fair and they will not refund the £ 4,619.00 plus interest at 8% back to us the only letter we have to issue is court action But ? the MOCL dose`nt let you make the claim here in Scotland can anyone help is there a online claiming site for Scotland ??

 

Many thanks,:):confused:

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I WON!!!!!!

£13,735.44 total.

RESULT!!!

I am so so thankful for all the help and support from this site. Without it I would not be jumping around like I am today!!! LOL!

Have completed the survey, just the donation to make now.

Please can someone change my title to show that I won?

Many many thanks, Debbie :-)

x

12th March 2007 - sent S.A.R - (Subject Access Request) and £10 to Halifax.

 

3rd May 2007 - LBA sent to Halifax.

 

15th May 2007 - £2,500 offered over phone (full amount asked for is £5,300) - OFFER DECLINED.

 

17th May 2007 - Filed claim via MCOL.

18th May 2007 - Claim request issued.

 

Notice of Issue received from Court - 22/5/07.

Claim deemed to have been served as of 23/5/07.

Notice of Acknowledgement received from Court - 31/5/07.

Halifax now have until 20th June to file defence or whatever......

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After receiving my letter offering settlement of £1089.50 I have just come off the phone to the bank and have settled for £1550 so I am extremely pleased as I wasnt going to take it further as £1089.50 was better than nothing. I just called to ask them how they came up witht he settlement and they advised that it was half of my claim value (less the interest that I had included) I said I probably would accept a settlement if they could increase it and he said the most I can offer would be £1550 so I just accepted!!! Yee ha! Very pleased as the next step was taking it the ombudsman which I dont really have the time or energy to do.

 

Good luck everyone! Im off on holiday to treat myself!!

 

Dontation on the way!!

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claim settled bank of scotland 3000.00 offered firstly 1510.00 which they put into bank when i called got full total of 3000.00 very pleased with result can now pay back some debts that these charges incurred thanks to all that answered my queries off to sort credit card late payments now !!

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Just settled with Bank of Scotland following claim for £1042. They initially refused, then offered £600 after second letter. Phoned to advise them I wouldn't accept this. They asked what I would accept as they 'wouldn't pay full amount'. Advised them I'd only settle for the full amount. Was put on hold whilst 'supervisor' was checked with. Less than a minute later, was advised they would pay full amount. Woo hoo!

Double checked I wasn't agreeing not to go after them for charges on another account (letter ready to print now!). Confirmed this. Money to be with me within 14 days (already given me the £600).

Happy days!

Bank of Scotland: 1 WON, 1 in progress

Bank of Scotland Mastercard: WON

Barclaycard: In progress

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Claimed £299.00 + Int + Court Fee

Settled as above

 

Claim started at the end of February and received the usual fob off letter that all charges are fair etc and we are not offering you anything. Filed MCOL, they acknowledged then sent a letter to say that it was not commercially viable for them to continue with this claim and that they would pay in full. Money in account this morning.

 

Many thanks for all your help and advice..

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Hi i have just been made an offer of £1342 from the bank of scotland which is slightly more than i asked for but im not complaining, got an email from the fos and they told me that the bank think that there charges are fair but do not want to be investigated further by the fos so will recieve letter tomorrow with aceptance slip and, whoo hooo another victory for the good people out there.

To all consumers who have been ripped off GO DO IT DO IT NOW, if your from scotland get in touch with the fos its an easier route than going to court if your owed more than £750, as you would have to take out more than one court action i did and am now just another statistic in the ever growing campaign to get whats rightfully yours good luck to everybody who has made a claim or is thinking of one.

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congratulations when did you file your n1, lorraine x

 

I did the money claim on-line thing - it was issued on the 11th May, they acknowledged on the 21st then received a letter in the post on Tuesday to say that they were going to settle.

 

I had almost given up hope of every getting anything back as I started the claim back in February.:)

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congratulations when did you file your n1, lorraine x

hi dolphin 939 i started the ball rolling back in january which i gave them 8 weeks as stated in my letter nothing so got in touch with the fos who took my claim and after 8 weeks with them got a reply from the bank stating that the charges applied to my account were correct and i would recieve nothing back so i gave the fos there decision and within 3 weeks the fos replied by email saying that they were sorry for the delay and the bank were offering £1342 back rather than letting the fos do an informal investigation so its been longer than some people but im glad i have been succesful and not had to go to court.

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hi dolphin939 the fos have sent me a letter today to send back with my acceptance slip for the money so once i send it back then the bank knows i have accepted the money and the fos will back that up dont know when the money will be in my account but have waited this long so another week or so will be a breeze knowing i have won.

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