Claiming on a Business account? Lets join forces?

[groovycaz]

Hi everyone just posted my court claim today for repayment of £1470 plus £400 interest which the BOS debited to my business account. They have refused point blank to repay me and claimed that I was making personal claim from a business account and business accounts were not included in the recent changes in consumer regulations. I was carefull not to call myself a consumer and am trading as a soletrader and dont hold a personal account with them. Then they resorted to dirty tricks, reducing my overdraft from £2000 to £600 without informing me and returning my DD, they then insulted me ( by stating in their letter to me after i called and complained about my overdraft )that the bank was concerned because I had a £2000 overdraft with them, I wrote back and stated that I was most insulted by their comments as I have an impeccable credit history and they were implying that I was going to run off with their 2 grand. Paid off my overdraft so owe them nothing. They are now ignoring any letters ive sent so my claim has been posted today, ive claimed jurisdiction for the claim to be heard in my local co court, dont want to travel to Scotland, will post when I have any news...GC

[make_me_happy]

H Groovy,

 

It would be a good idea for you to open a thread with your claim details. Then you can tell all of us, step by step of your case. It will be far more informative.

[groovycaz]

hi happy

thanks for the advice, i have also been posting on other forums relating to business accounts and have just found this 1 tonight . I have another business account ive just done my spread sheet for over 10 years ago with the uncooperative but havent sent it in yet. wrote to them 1 last time today giving them 7 days to reply (they are ignoring my letters now). found photomans posts very informative as it relates to the limitation act. And to be honest I dont realy know how to start my own thread although I have in the past I think it was by pure mistake, I think I just join every one elses so thought i would join forces with this one.. hope I have'nt highjacked someone elses thread...GC

[photoman]

hi happy

thanks for the advice, i have also been posting on other forums relating to business accounts and have just found this 1 tonight . I have another business account ive just done my spread sheet for over 10 years ago with the uncooperative but havent sent it in yet. wrote to them 1 last time today giving them 7 days to reply (they are ignoring my letters now). found photomans posts very informative as it relates to the limitation act. And to be honest I dont realy know how to start my own thread although I have in the past I think it was by pure mistake, I think I just join every one elses so thought i would join forces with this one.. hope I have'nt highjacked someone elses thread...GC

 

Your welcome here to get advice !!

 

You will however get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of pthreads trying to find your posts and answers.

 

1/ Go here.

http://www.consumeractiongroup.co.uk/forum/bank-action-group-against/

 

2/ Find your Bank, click on the bold blue name of Bank

 

3/ Go to the bit that says "Forum tools" and click on it.

 

4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best)

 

5/ Then it will redirect you once you've subscribed.

 

6/ then click on "Forum tools" again, and choose "Post new thread"

 

7/ Give your thread a title eg: "groovycaz vs whatever bank", and then make a post.

 

8/ Then go to the bit at the top of your browser ( the bit that says http etc), and right click your mouse, choose copy, then come back here and post a new reply, and right click you mouse and choose paste to put a link to your thread in there.

 

9 Then hopefully people will visit and psot/subscribe etc.

 

Let me know if this works ??

[tifo]

i have sent prelim and LBA to a few banks i had business accounts with over the years (sole trader) and so far they have completely ignored my letters.

 

is this because they treat sole trader business accounts different to consumer accounts and know that i will have to work harder to get a refund?

 

the accounts were my name T/A business name.

[photoman]

i have sent prelim and LBA to a few banks i had business accounts with over the years (sole trader) and so far they have completely ignored my letters.

 

is this because they treat sole trader business accounts different to consumer accounts and know that i will have to work harder to get a refund?

 

the accounts were my name T/A business name.

 

There are no differences in the course of action you should take regards these accounts. They probably just think that people with Business accounts are more scared of retaliatory action from Banks, as they rely on the Banks goodwill/overdrafts more than consumers, and so just let their actions fizzle out.

If they do take any actions by the way, there are plenty of links on site to templates to advise you of your rights, and kick them back into order.

 

Regards yourself....They have had fair warning. Just file your court claims.......and see if they continue to ignore you then !!!

 

Only difference really is with some of the particulars that you do and don't put on you particulars of claim. There are plenty of links and threads to help you with these on this site (some are on earlier posts on this thread).

keep us posted !!

[empowered]

Tifo, as Photoman has just said there aren't really many differences. Have sent Prelim and LBA for both my sole trader and personal account with no response from Lloyds except we will let you know at our convenience etc.

Have today sent off N1 for sole trader account (look at the "Business Claims - Basic Guide) for filling out the POC - you cannot include references to CCR etc, but everything you need is there! Shout if you need help. Debs:p

[tifo]

thanks.

 

the account closed in 2002 so there are no retaliatory actions they can take anyway. It had £144 outstanding which they wrote off (as they themselves closed the account) but i am asking for £924 back.

 

i have been trying to call them on the number i have on my letter from the Andover office and it is constantly engaged.

 

i think in this case it may be N1 as they have now had 6 weeks (2 prelim, 2 LBA and then 2 further 'goodwill').

[andrew1]

tifo, one that I'm dealing with at Lloyds is exactly the same, they answered letters from Andover and another came from Birmingham, both telephone numbers are either engaged or they trip into an answer machine asking for your details. They say they'll call back if you leave your details. I've done that 3 times over 3 weeks and not one reply.

[groovycaz]

Your welcome here to get advice !!

 

You will however get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of pthreads trying to find your posts and answers.

 

1/ Go here.

http://www.consumeractiongroup.co.uk/forum/bank-action-group-against/

 

2/ Find your Bank, click on the bold blue name of Bank

 

3/ Go to the bit that says "Forum tools" and click on it.

 

4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best)

 

5/ Then it will redirect you once you've subscribed.

 

6/ then click on "Forum tools" again, and choose "Post new thread"

 

7/ Give your thread a title eg: "groovycaz vs whatever bank", and then make a post.

 

8/ Then go to the bit at the top of your browser ( the bit that says http etc), and right click your mouse, choose copy, then come back here and post a new reply, and right click you mouse and choose paste to put a link to your thread in there.

 

9 Then hopefully people will visit and psot/subscribe etc.

 

Let me know if this works ??

 

 

Thanks photoman, managed some of your instructions to start my thread just cant seem to link it to this thread so im one before you groovycaz v BOS so will start posting the full details of my claim...GC

[photoman]

Groovycaz

 

Here you go.

 

http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/74459-groovycaz-bos-business-banking.html

 

Viewers here, maybe pay her a lttle visit ??

 

regards

 

Photoman

[groovycaz]

has anyone else incurred a £15 per month charge from BOS business accounts for not maintaining a min on £5000 in their account, Ive asked 3 times for them to close my account and although im told they have it on screen the dates I requested this it still open and yesterday they slapped me with another £15, waiting for one of their account managers to call me today to ask what the hell is going on

[Glenn UK]

groovy

 

as a point to note, it is always best to follow up phonecalls with the written word to make sure they cant deny your request at some time in the future.

 

If you havent written to them do so straight away and confrim your instruction to them from the 1st time you requested this.

 

when it comes to disuputing the charges this is a critical action imho.

 

glenn

[Colin H]

Hi all,I am about to send my prelim letter to the RBoS disputing charges on my Ltd company account.

 

It is quite complicated compared with others,and so ,if anybody here can give a few pointers?

 

p.s can a mod change title to Colin H vs RBoS limited company

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/74418-help-spreadsheet-contractual-rate.html

[photoman]

Hi all,I am about to send my prelim letter to the RBoS disputing charges on my Ltd company account.

 

It is quite complicated compared with others,and so ,if anybody here can give a few pointers?

 

p.s can a mod change title to Colin H vs RBoS limited company

http://www.consumeractiongroup.co.uk/forum/royal-bank-scotland/74418-help-spreadsheet-contractual-rate.html

 

Colin,

You might find this thread an interesting read:

http://www.consumeractiongroup.co.uk/forum/rbs-bos-successes/49470-contractual-interest-details-case.html?highlight=RBS+full+details

 

Great particulars, and give you some pointers about how to claim against a Scottish Bank if yourresident in UK.

Remember though, that this link is for a personal account, so if you use any of the Particulars you must take out any reference to Consumer Law.

Also, I presume the limited company account was your own, and your the only director, otherwise I think you have to inform the other directors about what your doing. Check with a Mod if unsure.

 

Other than that, no real difference in the process, get your prelim templates from here: http://www.consumeractiongroup.co.uk/forum/bank-templates-library/64975-business-claims-basic-guide.html

 

If you've not done your spreadsheet of cost yet, then this one by Mindzai is very user friendly, and gives step by step instructions.

 

http://www.zen122856.zen.co.uk/CompoundSheet_v1.9.xls

 

Then just do lots of reading around, and start getting familiar with process.

 

Good Luck !!

[photoman]

Colin

Just took a quick peek at your thread, and it looks like your in pretty good hands,,and much of my last post is fairly redundant regards yourself......however will leave it up, as several other visitors here might find it useful ??

 

Also notice there is now a thread for Limited Company claims, so going to post the link here for anyone who need it,

 

http://www.consumeractiongroup.co.uk/forum/general/73488-limited-company-claims.html#post648274

 

Regards

[Colin H]

Thanks for the help Photoman,going to follow your thread as well if you dont mind:)

[groovycaz]

groovy

 

as a point to note, it is always best to follow up phonecalls with the written word to make sure they cant deny your request at some time in the future.

 

If you havent written to them do so straight away and confrim your instruction to them from the 1st time you requested this.

 

when it comes to disuputing the charges this is a critical action imho.

 

glenn

 

Thanks Glenn, ive called them again today and they refunded me £30 and given me an address to write to close my account. Been to the cash point and they have refunded the charges, I only complained about one charge of £15 but they gave me another refund from feb so no hassle there. Im supprised because they ignored all my letters except one telling me they were not repaying me any charges and their decision was final

[scott150663]

hi everyone

 

i got notification from the court that the judge has approved my ammended POC (COST £35) i had already sent cobbetts a copy so i faxed them a 2nd copy along with a copy of my charges (again).corbetts said thet hadnt recieved the other copies (normal stalling tactics i believe).i followed up the fax with atelephone call to confirm they had recieved all the pages and would they require any other info faxed to them.They replied that they had all the info that they require so i asked them whether i could also claim the £100 for the AQ the reply was YES they will pay u that as well,ithen asked at what stage they are at with there defence and i was told that it will now be up to the nat west to decide on what course of action to take.i'm assuming im close to being paid out am i correct? or have i got more suprises coming my way.....

 

any comments would be appreciated

regards scott

[M Levesley]

Hi all,

 

I've got my own Ltd company and I am thinking of claiming for charges from the banks does any know what letters to send and wahts the difference between ltd and personal claiming techniques. To me the Ltd is like an individual and as directors we have to act for the company's best interest, so claiming seems logical.

Has anyone so far taken on the "bankers"???!!!

[photoman]

Hi all,

 

I've got my own Ltd company and I am thinking of claiming for charges from the banks does any know what letters to send and wahts the difference between ltd and personal claiming techniques. To me the Ltd is like an individual and as directors we have to act for the company's best interest, so claiming seems logical.

Has anyone so far taken on the "bankers"???!!!

 

Take a look here for the specifics to deal with limited companies:

 

http://www.consumeractiongroup.co.uk/forum/general/73488-limited-company-claims.html#post648274

 

But do continue to subscribe and contribute to this thread also ?

 

Regards

[nicky1312]

its not a limited company i am a bit stuck reading this over and over think im thick,

i am going to chase £2,009.40 for my partner from the royal bank of scotland it is a business account, im not sure do i add the interest the now or later when it goes to court and where do i find the address to send my letter for business accounts or is it my local bank thanx for any help.

[photoman]

its not a limited company i am a bit stuck reading this over and over think im thick,

i am going to chase £2,009.40 for my partner from the royal bank of scotland it is a business account, im not sure do i add the interest the now or later when it goes to court and where do i find the address to send my letter for business accounts or is it my local bank thanx for any help.

 

Nicky

Welcome !!

Looks like your brand new here, so don't just jump in and take action without doing some reading first.

 

Here's a good starting point.

http://www.consumeractiongroup.c o....se-read-these/

 

You'll then find all the templates you need here:

 

http://www.consumeractiongroup.c o....lates-library/

 

You'll also find this very useful;

 

Can't Find What You're Looking For? Here's A Complete A-z Index

 

You'll then need to start your own thread.

 

You will then get more specific advice to your own case, and be able to keep a track of how it's going by viewing just one thread instead of skirting around lots of threads trying to find your posts and answers.

 

1/ Go here.

http://www.consumeractiongroup.c o....group-against/

 

2/ Find your Bank, click on the bold blue name of Bank

 

3/ Go to the bit that says "Forum tools" and click on it.

 

4/ Click Subscribe to Forum. It will ask you how often you want to recieve updates ( daily I found is best)

 

5/ Then it will redirect you once you've subscribed.

 

6/ then click on "Forum tools" again, and choose "Post new thread"

 

7/ Give your thread a title eg: "nickyl vs whatever bank", and then make a post.

 

 

Good luck !!!!

[louloujs]

Have today received reply from BOS Corporate responding to my ltd company claim for £13700 plus int. Apparently they're going to review our charges and get back to me...

 

LBA due to be sent on Friday.

 

A quickie though: I sent the original to BOS Head Office The Mound, Edinburgh (too much of a wimp to send to our Bank Manager in Southampton) and Fountainbridge Edinburgh has replied. Shall I send LBA to The Mound or Fountainbridge (Corporate Customer Care) address?

 

When it gets to the point (which I'm sure it will) when I need to issue MCOL claim I will use the Halifax address - which worked superbly with the personal account claim.

 

But, don't want to have any setbacks, so thoughts on LBA address would be welcomed.

 

(Do I need my own thread for this claim? Worrying about losing the valuable advice i'm getting here!)

 

Lou

[photoman]

Have today received reply from BOS Corporate responding to my ltd company claim for £13700 plus int. Apparently they're going to review our charges and get back to me...

 

LBA due to be sent on Friday.

 

A quickie though: I sent the original to BOS Head Office The Mound, Edinburgh (too much of a wimp to send to our Bank Manager in Southampton) and Fountainbridge Edinburgh has replied. Shall I send LBA to The Mound or Fountainbridge (Corporate Customer Care) address?

 

When it gets to the point (which I'm sure it will) when I need to issue MCOL claim I will use the Halifax address - which worked superbly with the personal account claim.

 

But, don't want to have any setbacks, so thoughts on LBA address would be welcomed.

 

It is common practice on this site for the avoidance of all doubt to adress and send all correspondance to the registered Head office. You can get this from the BOS Forum, or similar threads. Any correspondance sent thus will be re-directed if necessary. In any case that is the address you put on your claim form.

 

(Do I need my own thread for this claim? Worrying about losing the valuable advice i'm getting here!)

 

Don't worry about losing the advice here. Now you have posted you are subscribed, and as such you will always get notified of any updates on your user CP (and or emails). You really should start your own thread (if not sure how to, I think I posted advice on that in an earlier post on this thread, otherwise I'll post it again here). The benefits of having your own thread are that you will be able to keep a better track of your own claim without it getteing all mixed up in this and other threads (and also this thread doesn't get all cluttered). Once you have a thread started then you can post a link to it on this thread, and ask people to visit it whenever you want specific help or advice on something.

 

Lou

 

Good luck with your claim !!