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JMio Vs Bank of Scotland - EasyCash Account **SETTLED**

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Here we go again..!!

 

DPA response arrived yesterday, total of £490.00, all in 'Returned Item Charges' since 2001.

 

Prelim Letter going off today. This account is held in Edinburgh (206 St. John's Road, Corstorphine), not Dumfries like my other account, in case anyone's interested.!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Guest Lueeze

Good Luck

 

Lou x

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Got their standard response to my Prelim letter today:

--- --- --- --- --- --- --- --- --- --- --- --- --- ---

 

Bank of Scotland

206 St John's Road

Edinburgh

EH12 8SH

 

 

 

Dear Mr JMio,

 

Thank you for your recent letter regarding charges on your account for the last five years.

 

I have today escalated your complaint to our Customer Relations Department who will shortly be in contact with you.

 

If you have any further questions or concerns in the meantime, please contact me on the above telephone number. I have enclosed a leaflet, which confirms our membership, and the ultimate availability of the Financial Ombusdman Service.

 

Yours Sincerely

 

 

Gillian Denholm

Customer Service & Sales Manager


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Letter from BOS arrived yesterday morning:

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

Dear Mr JMio,

 

Thank you for your letter dated 19th May 2006, I am sorry to learn that you are unhappy with the charges you have incurred on your account.

 

I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall invloved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result.

 

We clearly outline our charging policy in the terms and conditions that apply to your account. In addition, we are committed to complying with the Banking Code, which sets standards of good banking practice for banks and building societies to follow with dealing with personal customers. The terms and conditions of your account state that you must have funds in your account to cover your transactions. We cannot be help responsible if you have authorised payments against funds that were not available.

 

We are keen to help you avoid any unnecessary charges by providing various ways to keep track of your account. You can do this via telephone banking on 0845720 30 40, online banking (www.bankofscotland.co.uk) or mini statements at cash machines. You can also contact one of our banking advisors at any of our branches.

 

Ultimately it is your responsibility to manage your account. However, as a gesture of goodwill I am prepared to refund £100.00 of charges in full and final settlement of your complaint. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer, please sign and return the enclosed acceptance form in the pre-paid envelope.

 

You recently received a copy of our leaflet explaining our complaints procedures. Should any of your concerns remain unresloved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for help. If I don't hear from you in the next eight weeks I will assume you are happy.

 

If you would like to discuss your concerns, please contact me on 08457 25 35 19.

 

Yours sincerley

 

Damian Robertshaw

Customer Relations Manager

Customer Relations

 

--- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- --- ---

 

Sounds familier... You'd think that the simple fact that I've already initiated Court proceedings against the BOS (different Branch, granted) that they'd learn to by-pass all this rigmoraul.

 

Ach well!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Called them up, as per usual the person I spoke to had never heard of the person that sent me the letter.

 

Told them I'd accept their £100.00 goodwill gesture, but would still be looking to recover the remaining £390.00 within my original timescale.

 

The girl on the phone said she'd escalate my response, but they could take anything up to 8 weeks to reply (aye right!) as they're "inundated with these sort of calls at the moment..." aww bless!

 

LBA printed & sat in envelope, ready for Friday's post if there's no sign of my refund!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Well, no sign of my refund yet...

 

LBA going 1st class Recorded Delivery at lunchtime to the branch, CC of letter going to Customer Relations 1st Class too.


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Yep time is right now for YOU to ESCALATE !!

 

 

HA HA

 

 

;)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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It's great, because it's now changed a £490 claim into a £600+ claim!

 

All because they're too damned greedy to just pay out what they owe in the 1st place!

 

Brilliant!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Yeeeeeaaaaaasssss!!!!!!!

 

Just had a phone call from Alan Park, Customer Relations at HBOS.

 

He's sending me a letter this afternoon, with an offer of a FULL REFUND of the £490.00 charges on this account.!!

 

FAN-BLOODY-TASTIC!!!

 

He also said that, altough he couldn't guarrentee it, he expects the same thing to happen with my Current Account (against which an initial claim of £700 of a total £895 has already been submitted) shortly.

 

Stick to your guns people - they WILL pay out.


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Great news.

 

So they responded presumably after getting your LBA ?

 

What was the time scale from the first contact to this offer ?

 

:)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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So they responded presumably after getting your LBA ?

 

Sort of, this was the 2nd Account with them that I'd started action with. I'd already submitted the court papers for the 1st one after they ignored my LBA.

 

What was the time scale from the first contact to this offer ?

 

If you include the DPA Request, then it'll be quite a while, DPA request was originally sent in on the 8th March, not actually received the refund yet either so I'm still not quite celebrating yet until I see the numbers appear in my account.


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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I see what youre saying

 

Still a pos result from this lot who are not generally known to cave in !

 

 

:)


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Congratulations Jmio, sounds like good news! :)

 

I take it this offer is for the account that you havent filed the action for yet?

 

Are you going to let them off with the 8% interest then as I wasnt sure what to do if they phoned to make an offer now I've raised the action. Im sure I read a post somewhere that someone told them (when they phoned to offer a full refund) that the offer had to include the interest or they would continue to court and the bank caved in, but cant find it again now.

 

Anyway keep us posted

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I'm note sure yet - this account is only at the LBA stage, so I've not raised any court action yet. My other account IS with the courts, with an initial claim of £700 (from a total £895) so I will be looking for the lot from that one, i.e. FULL refund, plus 8% interest, plus £39 court fee for me to not take that one through court.

 

One thing that occured to me last night, no doubt their offer of £490.00 will come with a FULL & FINAL settlement form for ALL accounts, like the previous two were.

 

Could this be a final, VERY sneaky, attempt to gain some ammunition for not paying out the case that's with the court?

 

Can anyone advise please? My gut reaction is that something's a little fishy here!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Hi JMio,

 

If there is anything on their offer letter that you don't agree with (ie. FULL & FINAL settlement form for ALL accounts) just cross it out before you sign. Make sure you keep a copy so you have proof of the amendments and when you send it back attach a cover letter explaining why you have done so.

 

Hope this helps,


24/04/06 - Capital One - £170.00 - Court Claim Acknowledged - Defendant intends to defend claim

18/05/06 - Full settlement received (£170.00) + another £20 for charges added after claim issued.

 

16/05/06 - RBS - Court Claim Submitted - Total £4900 (inc. Interest + Court Fee + Allocation Fee)

22/05/06 - Acknowledged by RBS

16/06/06 - RBS Defence Received

29/06/06 - Settlement offer from Cobbetts LPP £2,500

22/07/06 - Hearing date given as 27th October, York County Court

25/07/09 - Cheque received from Cobbets for £4800!! only £100 to go!!

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Hi JMio,

 

If there is anything on their offer letter that you don't agree with (ie. FULL & FINAL settlement form for ALL accounts) just cross it out before you sign. Make sure you keep a copy so you have proof of the amendments and when you send it back attach a cover letter explaining why you have done so.

 

Hope this helps,

 

 

ditto


Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.

 

 

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Nice, then that is what shall be done!

 

Thanks folks - much appreciated!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Letter received on Saturday:

 

--- --- --- --- --- --- ---

 

Dear Mr JMio,

 

Thank you for your recent letter dated 19th May 2006, I am sorry to elarn that you are unhappy with the charges you have incurred on your account.

 

I am sure you will appreciate that like other organisations we incur costs for every transaction made. When we pay an item against an unauthorised overdraft or return an item unpaid, we incur extra costs regardless of the shortfall involved. We believe it is fair to pass these costs on to the accounts affected, rather than absorb them into other areas of our operations, penalising all our other customers as a result.

 

We clearly outline our charging policy in the terms and conditions that apply to your account. In addition, we are commited to complying with the Banking Code, which sets standards of good banking practive for banks and building societies to follow when dealing with personal customers. The terms and conditions of your account state that you must have fnds in your account to cover your transactions. We be responsible if you have authorised payments against funds that were not available.

 

We are keen to help you avoid any unnecessary charges by providing various ways to keep track of your account. You can do this via telephone banking of 08457 203040, online banking (www.halifax.co.uk) or mini statements at cash machines. You can contact one of our banking advisors at any of our branches.

 

Ultimately it is your responsibilty to manage your account. However, as a gesture of goodwill I am prepared to refund £490. Please understand that we are not willing to refund all of the charges that you have incurred on your account since your accoutn was opened. I must stress that future valid charges will stand and we reserve the right to close your account if you do not manage it correctly. If you are prepared to accept my offer in full and final settlement of your complaint, please sign and return the enclosed acceptance form in the pre-paid envelope.

 

You recently received a copy of our leaflet explaining our complaints procedures. Shuold any of your concerns remain unresolved please let me know what you'd like me to do to put matters right. We are keen to resolve your concerns, if we are unable to do so we'll provide you with details of how you can contact the Financial Ombudsman Service for help. If I don't hear from you in the next eight weeks I will assume you are happy.

 

If you would like to discuss your concerns, please contact me on 08457 25 35 19.

 

Yours sincerely

 

Alan Park

Senior Customer Relations Manager

Customer Relations

 

Enc. Acceptance Document Prepaid Envelope


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Signed it, added a line explaining that in no way does this affect my stance on any other accounts held with BOS, and that my case relating to my Current Account held at Dumfries branch is in no way affected by this acceptance form.


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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Called Alan Park up (Direct Number is 01383 426 841) to chase refund, he confirmed that it has been 'actioned' and he would check it personally tomorrow if it hasn't been done this evening.


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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FULL REFUND of £490.00 dropped into my account this morning!

 

:-)


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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wrote asking for details of last six years bank charges recieved copies of all statements no letter total to about 3250 whats the next step grateful for your advice

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Well done on the Easycash account JMio, I am doing the same account now.:D


BOS Prelim : 19/06/06 Owed : £382: offered £90.LBA sent 02/07/06, Delivered: 04/07/06. Offer increased to full £382 but with condition. Settled 4/11/06.

Data Protection Act sent to BOS CC : 19/06/06. Acknowledged : 03/07/06 Statements Received : 11/07/06 owed £845

Statements received for closed BOS account: 27/07/06, Owed £2596.52

First claim on closed BOS account now started - £735 Prelim received 7/11/06 LBA sent 5/12/06, Offered Full £735 but with conditions. Claim filed 22/01/07

CapitalOne-£1247, settled in full.

LloydsTSB- £910, sttled in full.

 

LET BATTLE COMMENCE

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wrote asking for details of last six years bank charges recieved copies of all statements no letter total to about 3250 whats the next step grateful for your advice

 

June, welcome aboard!

 

First thing to do is have a good read through the FAQ section, pretty much everything you need to know is in there, after that start your own thread under the relevant organisation (e.g. June45 Vs NAME OF BANK), and post any questions in there, people will help you out this way!


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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This topic was closed on 10 March 2019.

If you have a problem which is similar to the issues raised in this topic, then please start a new thread and you will get help and support there.

If you would like to post up some information which is relevant to this particular topic then please flag the issue up to the site team and the thread will be reopened.

- Consumer Action Group


** I AM NOT A LAWYER, PLEASE CONSULT A QUALIFIED PROFESSIONAL IF YOU ARE IN ANY DOUBT **

 

I have successfully claimed against: "MBNA, Capital One, Bank of Scotland & Clydesdale Bank"

 

The Consumer Action Group is a Self-Help website, Moderators & Site Helpers offer advice on a voluntary basis. Please spend time reading the FAQ's, and other cases relating to your bank before starting your own claim

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style="text-align:center;"> Please note that this topic has not had any new posts for the last 5038 days.

If you are trying to post a different story then you should start your own new thread. Posting on this thread is likely to mean that you won't get the help and advice that you need.

If you are trying to post information which is relevant to the story in this thread then please flag it up to the site team and they will allow you to post.

Thank you
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