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Ready to join the battle

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Well it has taken me a week to get to this point - something like trying to teach old dogs new tricks!


I am trying to help my daughter recover excessive charges on her bank account and her credit card - both with BOS.


Letter sent to BOS about the bank account 4 weeks ago, before joining CAG - no response yet.


Lots of faxes and letters sent regarding the credit card - some charges refunded. Been told no more charges will be refunded. Want me to pay £100 to get copies of statements so that I can see how charges have been applied. Credit limit on the card was £3,000 - balance before I cleared it was £3,600! Accept Daughter was partly to blame, but...

How many other people in the same boat?


Appreciate any help on both issues.

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Hi - take a bit of time to read up first to make sure that you have the facts before going too far ahead. Read the FAQs and template letters then have a good read around here to see how others are getting on. Keep any progress on your own claim or questions that arise in a new thread in the forum for your bank to make it easier for others to follow and advise you. There's a set of links in my sig below that will help you find where all this useful information is. Well done for getting started! :)


Use the DPA letter to force the bank to provide your data for a maximum fee of £10. Send the Prelim letter and stick to the timetable it lays out - don't be put off by their arguments about lawfulness, Terms & Conditions or any delaying tactics.

Jeep (The Wife & I)

Halifax joint a/c (£3800 charges + £40 interest on charges over 11 years) - paid in full 23/06/06

Halifax joint a/c new charges £1100 - LBA sent 02/08/06

Halifax 2nd a/c (£1500 charges + £150 interest on charges) - partial payment received 13/07/06 (no s69 interest) - AQ filed 07/08/06 - Court awarded 50% of s69 interest (Bank didn't turn up!)

Halifax Visa (#1) Data Protection Act sent - statements arrived - £350 so far

Halifax Visa (#2) Data Protection Act sent - refunded £170

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Follow the route: FAQs > Template Library > Parachute Account > Bank Forums > Spreadsheet

All advice given in good faith and without prejudice or liability, to be taken at your own risk!

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