JDM vs B.O.S.

[jdm01]

Just thought i'd say hi.

 

I have recently claimed from the BOS for unfair charges. Received statements and sent my first letter asking for the charges to be repaid.

 

Just received a letter acknowledging my complaint (just over the 2weeks) stating they now have 8 weeks to investigate any complaints.

 

I'll keep you all posted with the progress.

 

J

[jowalshy]

Good luck jdm01 and remember to keep to your timescales and not theirs.

[Bigmac versus]

Hi jdm01, keep your thread updated of all your progress and best of luck.

[texel]

Why allow 8 weeks? did you not give them 14 days? Stick to it.

[jdm01]

Hi guys, waited the 8weeks for a final response to my complaint - just received it today 5days before 8week complaint deadline.

 

"I am sorry for your complaint"......"I am satisfied the charges have been correctly applied to your account."

 

Cheeky blighters put in a copy of their "Understanding Bank Charges" leaflet which made me smile.

 

Anyway - next steps for me is the FOS - I will be contacting them next week to pursue the complaint further. I meant to add I am in Scotland claiming for in excess of £2k.

 

Any advice on how to progress will be most appreciated...

 

J

[jowalshy]

Hi jdm, I am a bit confused as to what path you have chosen to follow in your quest to reclaim your charges. On this site we do a prelim letter giving them 14 days to comply. If they don't comply and give you a 8 week fob off, we do the letter before action giving them a further 14 days to comply before court action. This letter is done 14 days from the date of your prelim letter. After the further 14 days from the letter before action we file a claim through the courts.

[sea-sidelady]

So if you have your statements and you have sent the prelim, then why not send the lba letter.

 

http://www.consumeractiongroup.co.uk/forum/faqs-please-read-these/31460-example-step-step-instructions.html

 

Also here is a link to the scottish forum, you will read a lot more people in the same position as you,

 

http://www.consumeractiongroup.co.uk/forum/scotland/

[jdm01]

Scottish Courts have completely different limitations and processes than our English cousins. I have decided to go down this route to avoid the court process as the FOS is a successful way of proceeding in Scotland.

 

LBA has been delivered and BOS are treating this as a "complaint". Since it is classed as this, this is handled by a regulatory agreement of 8weeks to have completed their findings to the complaint.

 

I have received these findings today - and they have fobbed me off. I look forward to continuing the complaint via the FOS.

 

Cheers..J

[Bigmac versus]

Hi jdm01 and i would agree with your proposed route, the FOS complaint form can be downloaded and any questions in regards to filling out give me a shout, it really is quite straightforward.

[jdm01]

So, I get the letter from the FSO saying they have received my letter and that someone will be assigned to look into it in more detail.

 

Next letter I get, confirms the person who is looking after my account and that they will be approaching the Governor of the Bank of Scotland to make a reasonable offer from my 6years of claims.

 

Finally, I get the letter I've been waiting on - the bank will offer to pay the full lot - over £2k in charges - Absolutely fantastic.

 

I can only say thanks to everyone on this site and for all those living in Scotland - this is the route to go. I found it straight forward and I wasn't pushy - just determined and patient to let the process go through it's journey.

 

Now to get my hands on the money - they say allow the banks 6 weeks to get the money to me - I may just send them a quick email.

 

Thanks again

 

J :D

[texel]

great news. Your timing well done. Hope todays Govt meeting with the banks does'nt screw things up as I still have more cases to file:(

[Dusary]

!! CONGRATULATIONS !!

 

 

 

;)When your lovely lolly comes -

how about a wee donation to CAG?

[Bigmac versus]

You will be fine as any offers made must be honoured.

so CONGRATULATIONS Enjoy your success

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