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    • Just a typo change that I'd make for the last line. Maybe also add something that says "I assume you will be fully aware that you cannot rely on a clause of a contract that you do not produce."
    • Hello, Firstly, and most importantly I am sorry for your loss. I would go back to the bank with the death certificate and ask them to step in. Remind them firmly but politely that there is no limit for DD claims   Please let us know how you get on.
    • My wife is the named person to his bank account with him having Dementia being his daughter (I say named person she still is but he recently passed away and the deputyship application has now being stopped by the solicitor as it's no longer needed) We've only just got the Death Certificate so the bank will be the next step informing them. She went to the bank and explained the situation but even being his named person the bank said she didn't have the power to stop DD without any legal documents (virgin money) was the bank. She could have copies of bank statements that was about it.
    • I see you said you tried to stop the DD but it seems that didn't work. May I please ask why that didn't work? You should be asking your bank to cancel the DD and I don't see why they would have objected, hopefully you can clarify this. I agree that you should be making a claim here against your bank and ask them for a DD refund. There is no timeframes for this.
    • JK: Yeah That's correct. We left rent payment coming out of his bank account from January 2023 - August 2023 until we could find somewhere to sort out his belongings which was fine. I tried to give notice a few times from August 2023 asking for advice from Sanctuary housing how we went about this explaining his condition and that he was in a Nursing home from December 2022. I explained we don't have any legal powers to his account like POT but were in the process of going for Deputyship and that I was the named person to act on his behalf to speak with Santuary housing. I said we could provide details of his condition and proof he was now in a nursing home with date he moved in. This went ignored despite repeated attempts to contact them until a housing manager contacted us end of February 2024 and notice was finally accepted with his tenancy coming to an end March 22 2024. Although they have continued to take rental payments for the flat despite someone else living in it from the 1st April. I wasn't aware payments were still being taken till I checked his May banks statements. I had asked them to back date rental payments to August 2023 when I gave notice rather than just giving notice in March 2024 but they've ignored that bit. I don't see why they shouldn't give it back they've taken money they shouldn't have. Thanks DX, I wasn't aware we could do that for that length of time. I'll ask my wife to check with the bank this week
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JDM vs B.O.S.


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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

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

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

 

 

A prudent question is one-half of wisdom.

 

:D

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  • 1 month later...

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

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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.

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

 

 

A prudent question is one-half of wisdom.

 

:D

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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/

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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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

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  • 2 months later...

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 :D :D

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!! CONGRATULATIONS !!

 

 

 

;)When your lovely lolly comes -

how about a wee donation to CAG?;)

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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