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klf vs Bank of Scotland

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Sent initial request for statements for 2 accounts on 6th Nov, received them on Sat 2nd Dec. Except statements for current account only dated from Jul 2003 so phoned up and requested that remainder were sent out immediately (no doubt sending out onle half statement is a standard tactic from bank)


Added up charges for Bill Payment account and in the space of 11 months the charges come to £1108 . Due to some sort of administrative error by bank member of staff my bill payment account was never configured so that enough money was going into account to cover my bills (all bills were fixed) so over a period of time it went into unauthorised overdraft and then i was getting hit with £30 charges for every DD going through account. The account was never more than £200 over its limit as money was always going into it and yet bank charged over £1000 in that period, evidence in itself that their charges do not reflect the cost of administration.


I've compiled the spreadsheeet and am about to send it of, but would like to know if i should send it to local branch where account held or head office in Edinburgh.


The bill payment account was to cover bank of scotland loan as well and because of admin error on it i incurred equiv penalty charges on the loan as well, is it possible to also claim these back?


I'll keep u updated with my progress...


Kind Regards



p.s. As a side note, I live is rural community in lowland scotland and went to my local branch in early 2004 to ask if the bank could accept some responsibilty for failure to configure bill payment account correctly (NOTE Some, being the operative word) I was told that the problem was entirely my fault for having my quote "head in sand" and that bank would not refund any of the charges. I also at that time didn't have a full list of statements and asked if they could print of duplicates and was told it would cost £5 per statement!!! This website has been a real eye opener, even in a local branch in rural community the bank have their staff well trained and have turned them into corporate monkeys. I knew the person i was talking to reasonably well and even then he couldn't bring himself to give me my statments or at least be honest and say it would cost £10 under data protection act.

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Isn't it scary how much money has been charged once you sit down and tally it all up - my total was £5k+ over three years!


I have been using the following address in all of my correspondence:


Bank of Scotland

Customer Relations

PO Box 29112


KY11 2ZX


To date they have been very good at replying and have settled two small claims fairly sharpish! - I feel like I am slowly getting to know everyone in the department!


Keep us posted of your progress - Good luck


BoS-sm claim1 return date 23.11.06

£633.12 settled 05/10/06 (no 8% interest!!!)

BoS-sm claim2 return date 07.12.06

£512.00 settled 04/12/06

BOS - sm claim 3 lodged 02.11.06 for £701.86

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Ahhhh, The infamous bill payment account!!!!!


We after some persuasion from the bank set up one of these three years ago, And had nothing but trouble with it along the same lines as yourself, To cut along story short at the time a friend of my partners worked in the bank and luckily enough when she went along to discuss this with the bank it was this guy she spoke to, He managed to refund us the money and we closed the bill payment account.


They sure can sting you with alot of charges over a short

period of time, I just sent my request for statements of today. for the rest of the money they owe us. Good luck with your claim. Darren

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