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BoS claim for multiple accounts and credit card


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Hi all,


On 16th November I sent recorded delivery 2 letters claiming back bank charges, one to First Direct and the other to Bank of Scotland. It was a bit longer than 2 weeks before I got the time to write and send the LBA (after being fobbed off naturally!). The LBA letters were sent on 11th December, again to First Direct and BoS.


I have still only received fob-off letters from Bank of Scotland telling me that they are keen to deal with my concerns. I have here the cheque from First Direct for the full amount ready to pay into my (BoS) account tomorrow (closed FD one).


They are starting to p**s me off now with their delaying tactics, but of course the good thing is that now I can just add on the 8% which adds £30 on to the total claim of £296. I guess I'm just annoyed that they can't even be bothered to take it seriously!


Anyway, just thought I would start this thread off to note the progress. Off to read up about the court process. Incidentally I have found a step by step guide on another website (Penalty Charges UK - Fighting your Corner for FREE) which makes the whole process much easier. Apologies to CAG folks, but it saves a lot of time.

First Direct: Settled after LBA - £687.50

Bank of Scotland: LBA sent (too busy to deal with my request!)

MBNA: SAR sent

Morgan Stanley: SAR sent

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