lukeyboyuk v BOS

[lukeyboyuk]

I have received statements for my mortgage account.

 

The statements include Unpaid Fees, I am happy that these fees can be claimed back.

 

I do have a couple of quesitons:

 

I have some 'Default Letter' charges, these have been received on a monthly basis when I have had problems with my account. Based on this they don't seem to be default letters as this would only be issued in the event of a default (3 missed payments).

 

I am keen to try to reclaim these fees. They originally were £10 but went up to £25. They obviously represent a fair amount.

 

I also have a selection of Unpaid Direct Debit fees which are only set at £10, they obviously are not proportionate to the actual cost, they do however fall below the OFT guidelines of £10. Do we have any thoughts on trying to claim these?

[gargoil]

Every kind of penalty fee you mentioned in your post is claimable. It doesn't matter if they are below the OFT guidelines which are £12 I believe as £10 is still a lot more than it costs them to deal with your misdemeanor. IE The £10 is not just covering their costs but still making a profit for the bank. The OFT said they would not "challenge" any organisation that set their charges below £12 I believe. So go get them.....................

[lukeyboyuk]

Ok first lot of totals are in:

 

Total Claim: £525.00

(8% interest would be £154.43)

[giveITallback]

Hi there,

 

Im fed up of being overcharged, sometimes its by £2 and a £58 charge is appiled a one off £28 for the month plus £30 for paying my direct debit. Does the fact they paid the DD and then applied a charge make any difference???

 

Also how did you calculate your interest owed?

 

Cheers

[lukeyboyuk]

The charges are disproportionate so it shouldn't make a difference.

 

I calculated the interest using a spreadsheet provided on this site. It is only applicable if you file a claim at court.

 

Take a look at the FAQ's on this site before you start, they are very useul and helpful.

[lukeyboyuk]

Letter prepared for £525.00

[gargoil]

Go get 'em! Show no mercy!

[giveITallback]

I have read that if you are charging the bank contractual interest then you mention in all correspondance, has anyone use the advanced sheet yet I cant understand the right hand column (how does it calculate the interest on penalty charges?) The figures seem to come from no where?

[lukeyboyuk]

Some people seem to think that the contractualy interest is what the bank deserve as a result, plus it takes about 1,000,000 years to work it out!

 

Try posting fresh rather than piggy backing on this one, you may get a better response.

[lukeyboyuk]

Just a thought - This is a Mortgage account - They of course are still a financial insitution / bank. Does anyone see any issues there?

[lukeyboyuk]

Response back from BOS the day ater receiving mine!

 

'Thank you for your letter of the 9 October 2006 received by the Bank on the 10 October 2006.

 

I write to advise that the charges to which you reere are legally applicable, covering actual losses sustained byt he Bank in administrative costs and interest.

 

In this respect the Bankdoes not consider your request for a refund of charges and fees.

 

I hope that I have been able to resolve this matter and I will close your file if I don't hear from you in the next eight weeks.

 

A copy of our complaints leaflet which explains your options is enclosed if you remain dissatisfied. If you would like to speak to me about your complaint, please telephone direct line 0131 xxx xxxx.

 

Yours sincerely

 

 

 

Melita Mason

Customer Service and Operations Manager.'

[lukeyboyuk]

A quick telephone call to Melita Mason reveals that BOS are readers of the site! 'We received your letter that you got from the website!'

 

I am awaiting an appropriate response as they have not broken down their charges to show they are proportionate.

 

There are apparently no external email addresses for anyone in the bank! The email I sent in the [email protected] format has not bounced!

[weej]

Try [email protected] - works for my brother! (oops!)

[lukeyboyuk]

Does anyone have any thoughts about filing the LBA immediately following their response to this matter?

 

The Prelim letter gives the opportunity to resolve the matter, their response indicates that they are unwilling to do so.....

[susanne007]

send lba out. yes they do read the site so personal attacks really dont help. its the bank on the whole not just the person youre dealing with and you may find they dont agree with the 'overpriced' charges either. youve had your response from the prem letter stage 2 now me thinks..

[lukeyboyuk]

Cool cool

 

Just reviewed my psts, there are no personal attacks in my posts so i'm happy with that.

 

I have no objections to them reading what I write!

[susanne007]

wasnt meant in that way and yes i have read your thread.just some do try to blame the person they are dealing with and having spent the last 16 weeks reading thousands of threads these people are still waiting. as i said not menat personally to u just a bit of advise.

[lukeyboyuk]

So in order to establish if the email address I sent to was correct or not I sent a quick test message to a random name. ([email protected])

 

Suprisingly, this one bounced. I can only assume from that the email I sent was received as it did not bounce.

 

This does please me as I was specifically advised 'We don't have external email addresses.'

 

Can anyone have a quick look over my other 2 Q's:

 

1 - Claiming on a mortgage account.

2 - Sending a LBA following their immediate negative response.

[susanne007]

yes send out lba as they have already responded.email i used was [email protected] hope this helps

[weej]

Susanne, only problem with sending to Tommy is that he is at the Royal Bank, not the Bank OS.

 

Still, It might make him feel popular, getting sent letters for other banks (we know how sympathetic he can be but this might be stretching it a wee bitty) lol

 

[susanne007]

lol.. yep thought it was rbos. stupid me. must be all the excitement as i got funds cleared in account.will check round and try to get you bos email.........

[susanne007]

okay found this one for u $(name)[email protected]

[weej]

the reason I mentioned [email protected] is because my brother works there and that is the format of his email address.

 

j

 

ps, the underscore between the names isnt visible here, but it should be used!

[lukeyboyuk]

Neither format bounce!

 

I sent with a . and with a _ they both go through.

 

A mis-spelling of the name bounces as does test.message so I can see that they do have external email, she just didn't want me to have it!

 

I do hate it when they lie.....

[lukeyboyuk]

14 days up then!