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HBOS Charges

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I've not really been able to get a hold of my bank charges for the last few years and ended up in taking out loans to cover debt etc. About a year and a half ago I suffered from really bad post-viral exhaustion, which meant that I was off work for about 10 months. The bank charges really started to pile up and I was unable to get out of the debt. I nearly lost my house etc, etc. I got charged £35 at one point for a £0.79p amount coming off my account (not very proportionate). I'm not sure of how much charges I have racked up but I know at one point I was getting charged over £200 per month for overdrawn charges on my joint account. I must have thousands of pounds of charges!


After reading this website I now feel I know less than what I thought I did know. I'm needing a little guidance really. Where do I start? I live in Scotland, is it different here? How do I go about making the start to a claim? Is it different with a joint account? Please help.

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firstly you really really need to look at as many threads as you can, then read the step by step instructions then the FAQ's

there is no rush & there are plenty of people here to help


good luck, do some reading & take you time



please don't hit Quote...just type we know what we said earlier..

DCA's view debtors as suckers, marks and mugs

NO DCA has ANY legal powers whatsoever on ANY debt no matter what it's Type

and they

are NOT and can NEVER  be BAILIFFS. even if a debt has been to court..

If everyone stopped blindly paying DCA's Tomorrow, their industry would collapse overnight... 

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First you need to work out how much they have taken from you. Use one of the spreadsheets in the bank template library in order to list each charge. Then you need to type up a Preliminary Letter requesting the charges back. This letter is also in the library. Then you wait 14 days. You may get a standard letter telling you that they are sorry to hear that you have a need to complain and that they will get back to you within 8 weeks. Do not wait 8 weeks. After 14 days (if you haven't had an offer) send your letter before action. This gives them a further 14 days to comply. After that you file a claim.


If you haven't got any statements then you need to do a SAR (Subject Access Request). This gives the bank 40 days (not working days) to send the information you requested to you. Again this is in the library.


If you have any problems - just ask.

[sIGPIC][/sIGPIC]If you think my post was helpful, please feel free to click my scales



A prudent question is one-half of wisdom.



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Thanks for your help. The library sections has been most informative.


How many years should I request the SAR for? I was thinking 5 was the maximum, is that correct? Can I look for more e.g. 6, 7 or even 8?


All of our debt has spiraled from these overdraft fees. We now have 1000's in loans because we did not see any other way out at the time.

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You can go back as far as you want- keep reading. I got statements from the start of my account, 1994, and am claiming back every charge.


As for loans specifically taken out to cover unlawful charges, I know some people have been looking at this..... can anyone help?

Nationwide-A&L-Halifax 1-Student Loans Company-NatWest-Virgin Media-Link-Capital One ALL WON!

Thames Credit -statute barred sent 13/11/08

BCW- prove debt letter- 14/08/08

Apex- CCA 14/08/08

Redcats UK- SAR 14/04/09

Call Serve- CCA 14/08/08

Littlewoods- no CCA letter 03/09/08- Lowells now

Wescot- CCA 19/9/08

Capital One/Debitas- now with Lowells


Any opinions are without prejudice & without liability. All information has been obtained from this site. If you are unsure, please seek professional advice. .

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Get everything they have from when you opened your account. Have a look at the information about claiming past the 6 years.

There is a link here:






Please be aware of acting on advice given by PM .Anyone can make mistakes and if advice is given on the main forum people can see it to correct it ,if given privately then no one can see it to correct it. Please also be aware of giving your personal details to strangers

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