Mur V Bos

[murmagic]

Hello everybody,

 

I've heard rumours that you can claim back bank charges,is this true and can anyone help please

[dolly]

Yes it is true.

 

You need to read around and find out how to go about things. Especially the FAQ's and step by step guide.

[murmagic]

Hi everyone,i'm just beginning to get my bank charges refunded back to me from the BOS.Doe's anyone out there know where i send the Data Protection letter and would i write the cheque for the £10 fee to the BOS,cheers

[closey]

Hello and welcome,

I personally would post it to your local branch. Make sure you send it recorded delivery.

Then spend time reading the FAQ’s here:

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

The letter templates you’ll need are here:

http://www.consumeractiongroup.co.uk/forum/bank-templates-library/

And guidance notes are here:

http://www.consumeractiongroup.co.uk/forum/guidance-notes/

Finally start a thread in the bank forum relevant to you. That way you can keep a timeline of your progress and receive help and support where needed.

Best of luck with your claim.

[murmagic]

Im led to belive i can only claim back 5 years of charges in scotland.Can someone tell me if this is true.Cheers

[blueskies]

Hi murmagic,

 

I am not aware of Scotiish law myself but if you start a thread in the forum relevant to your bank, someone in there should be able to help you

.

 

Good luck

[murmagic]

I requested my statement 40 day ago and the bank of scotland cashed my cheque 4 weeks ago.I still havnt recieved anything yet.Does anybody know the next step i should take:mad:

[DaringDon]

Contact your bank and explain the situation to them. Explain that they are breaking the Data Protection Act and advise you will report them if they do not comply!

[Guest willowb]

If, like me you're not very confident on the phone, try writing a letter. I've sent a letter similar to that below with great effect in the past with Capital One.....I got the statements within 3 days of sending it!!!

 

Data Protection Act 1998: Subject Access Request

Dear Sir/Madam,

Unfortunately you have failed to comply with the Data Protection Act Subject Access Request which I sent to you, dated 14th August 2006. If you do not comply within the next 7 days I shall be making a formal complaint to the Information Comissioner and taking further appropriate action if needed.

 

Wxx

[murmagic]

Hi eveyone,

Could anyone help me,i've put my claim with the BOS for £946 without the interest and i was wanting to know on my LBA letter would i put the £946 amount or would i break it down to £750 and £196 as i live in scotland.

[Treacle's Dad 44]

Hi Murmagic,

If you are sending your LBA include the full principle sum of money that you are claiming for (£946.00). Include your spreadsheet but without the interest.

 

Remember to state at the end of the LBA letter something on the lines of -

"If you do not comply fully within 14 days then i shall begin a claim against you for the full amount as stated, plus interest, plus my costs and without further notice"

 

(You will only get the interest back if you win the case in front of the sheriff, or if they default after 21 days when you register the claim at court so don't include the interest spreadsheet until you register the claim at court!)

 

After the 14 days are up you would be better registering the claim through the Summary Cause route at the Sheriff Court. This costs the same £39.00, and is basically completed the same as the Small Claims paperwork. (check with the staff in your sheriff court, they are normally very helpful)

 

Good luck, let me know how you get on.......

Cheers T.D.

[stevokenevo]

(You will only get the interest back if you win the case in front of the sheriff, or if they default after 21 days when you register the claim at court so don't include the interest spreadsheet until you register the claim at court!)

 

That is not entirely true, you WILL get the interest when they settle out of court. ANY settlement should include the sum claimed + interest + costs!!

 

Good Luck

 

S

[murmagic]

Hi everyone,

I sent my LBA 2 weeks ago and the deadline has now passed .i sent my letter registered post but the bank have not replied to me.Do you think i should give them an extension or should i start proccedings with the court ?

[murmagic]

Hi everyone,

Does anyone have a filled in court document that i could change and put my details in as im not very good at this thing and im worried i mess it up and dont get my money from the bank

[stevokenevo]

click this

 

http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

 

just change the details to your own, i copied it with success!!

 

Good Luck

[stevokenevo]

Dont bother with any extensions!! go 4 it

 

http://www.consumeractiongroup.co.uk/forum/scotland/6165-scottish-procedure.html

 

S

[simbadog]

Hi, I'm with Bank of Scotland and have struggled for over two years to get to grips with the knock on effects of A DEEP financial mess due to worK related problems, finally had enough of trying to resolve it by finding extra funds to offset bank charges, calling their phoneline and visiting my local branch, all with no real offer of meaningful help. Having generated additional funds on too many occasions to try to overcome the knock on effects of charges applied to my account, only to be let down by late payments going in to my account and the whole cycle starting over again, I wrote to BOS and they credited around £400 which is less than half the total applied over the last 3 months. Wrote again requesting details of charges applied to my account since 1st Aug 2004, don't know why I picked that date, and having scoured through th 10 envelopes of statements find out they have applied around £4800 in the period plus debit interest. Wrote again expressing my disgust at how bad things were and requesting they refund my money, needless to say they have declined, told me the charges were justified and referred me to the banking ombudsman service - where to now? I am literally at my wits end, having been with BOS for 30 years and treated like a piece of dirt do I go to the ombudsman, is there any point, or do I try the courts? HELP

[stevokenevo]

First of all, It would be best if you started your own thread, that way its easier for you to ask questions and recive advice without hijacking someone elses ;-)

Secondly, have a good read at the FAQ's, and step-by-step instructions, might take some time to get your head around it, it does for everyone.

Good Luck

 

S

[stevokenevo]

Sorry simbadog, if my signature was working? the links to the FAQs and step by step instructions would be below!

[stevokenevo]

dont know why its not working??

[smoorach]

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/

[smoorach]

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-step-step-instructions.html

[murmagic]

Hi all

The bank of scotland have ignored my LBA,so im going to fill in the court form but ive got a couple of questions.

1. My claim is for £946.But i believe i can only claim £750,so when i fill in the court form do i put in £750 and what do i do with the 8% interest.

2. Do i need a name for who im claiming against ie bank manager or can i just put the BOS.

Thanks for any help

[detones]

if you use summary cause claim instead of small claims you can claim 1500 including interest. it's the same form with a different title. you will need a solicitor or sheriff officer to issue the summons though, cost me £15, get this back in expensies.

 

on my claim i just put the defendant as "the bank manager"

[murmagic]

Cheers for that.If i use a summary cause claim do i just pay the court extra money and would the organise the sherrif officer themselves or would i need to do that myself.