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I have now sent two letters to bank of scotland claiming and explaining my current financial hardship, requesting that they refund bank charges that have been applied to my account since 2005.


The first letter was sent feb and the second in may but i have had no reply.


What can i do?

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Did you send the letters by a tracked method eg.. Special or Recorded delivery.


If so, have you checked the RM website to ensure that they were received ?


What address did you write to.

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HBoS are a shifty lot and I had an awful time with them a few years ago with them denying they had seen correspondence even though I was looking at signatures saying the letters had been signed for. That company is peppered with inveterate liars, but that's another story.


So, how did you approach this? The way I did it was to go through all my statements and highlight the excessive £35 charges HBoS was slapping on my account. If you don't have them, you can request them from your bank. They will shilly-shally, delay, prevaricate and supply you with statements missing data but you must persevere with this!


In my case, they then stated that they found their charges fair and acceptable and that I had agreed to be penalised by them by virtue of having been served the account T&Cs when opening it. They kept on stalling and then I hit them with the charges plus interest letter. You may be aware that you are allowed to add interest (you will have to research this) and whilst many people did so I eventually did not, even though I was doing myself out of several hundred pounds. When they were hit with that charges plus interest letter and a wee visit from the FO, they caved in like a house of cards. Watch out, though: don't put the charges cheque(s) into any account you still hold with them as they will sweep that for debts you may hold with them elsewhere.


Now go get them!

Edited by FlyboyAgain

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Hi all


I opened a bank of scotland student current account 5 years ago when I started University with great intentions and promises from the bank that the £2.5k o/d could be transferred to a graduate loan when i finished Uni.


This didnt work out as planned and ive struggled financially for the last few years and the relentless charges that are clearly disproportionate amounting to £4k in total have most definitely kept me in a downward spiral of debt with charges on charges at times swallowing up wages meaning I had to rely on credit cards just to meet day to day needs. Bad credit rating means no other means to get out this trap.


Despite writing to the bank several times providing a life story depicting financial hardship like no other they are adamant that i will not be receiving a single penny from them and insist I payback the £2.5k ASAP.


Any suggestions?

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certainly BCOBS should help for anything [PENALTY charges] since 2009




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