Jump to content


twillardo v HBOS. Bank Accounts


style="text-align: center;">  

Thread Locked

because no one has posted on it for the last 5215 days.

If you need to add something to this thread then

 

Please click the "Report " link

 

at the bottom of one of the posts.

 

If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

Recommended Posts

Hello All.

 

As I have my statements going back many years, I have prepared 2 Prelim. letters for two accounts going back 6 years.

 

Account 1. Charges £652.00 + interest

 

Account 2. Charges £516.00 + interest

 

Reading the FAQ's I understand that I claim for the initial charges of £652.00 & £516.00 respectively plus the Interest which I have not yet worked out, I then add the interest @ 8% if it goes to court.

Should I submit as two seperate claims or combine the two together?

Also, is it better to send claims if the registered office is in England.

 

What I am asking may seem a bit silly, but I am new to this and not quite sure after reading some of the threads.

Would appreciate any help given.

 

Thanks Again, twillardo. :|

 

Prelim letter awaiting completion.

Link to post
Share on other sites

if you're in england them both together

if you're in scotland i don't know

hope this helps

OK I GIVE IN

 

Halifax £3600 charges, won with C/I £6400

 

NatWest S.A.R-05/06/06

Bug**r all recieved 03/11/06

Prelim guesimate sent for £3000 03/11/06

Cr*p one CONNED statements 08/06 ROFLMAO

Cr*p one charges=£976

con int 34.9% £1,003.75 £1,979.75.

 

Link to post
Share on other sites

Hi All. :rolleyes:

Just received today the 19th April 2007, the bog standard heal dragging letter from the Bank of Scotland responding to my Prelim letter asking them to refund the charges against my account's "Complaint handling rules by the FSA and the 8 week investigation period blah blah blah", address on the letter for reference is,

 

Bank of Scotland

Customer Relations

PO Box 29112

Dunfermline

KY11 2ZX

 

The 14 day expiry date for the Prelim letter is the 19th April 2007, LBA letter ready to be sent on Monday 23th April 2007.

 

06.04.07 Prelim letter sent.

19.04.07 Response form BoS, investigating claim.

 

 

Thanks to all who have handed us the power and information to take them on. :)

Link to post
Share on other sites

Hi, twillardo,

 

It appears that the rats are using the same tactics evreywhere.

 

Initially, I would have been happy simply to get the charges returned, after getting the standard run around I got seriously ****ed off.

 

I'm claiming for

 

1) return of charges

2) return of interest charged on the charges

3) statutory interest on the charges.

 

The interest charged on the charges is not a minor matter and well worth claiming. Sling me an email and I'll reply with an Excel spreadsheet with all the calculation rules.

Link to post
Share on other sites

Hello All :)

 

There seems to be lot of addresses for the Bank of Scotland, I submitted the Prelim letter to my branch hoping it would be redirected to the relevant department, seems to have been successful, received a response from the address below notifying me of their investigation which can take up to 8 weeks, has anyone used this address to any degree of satisfaction, LBA ready to be sent but would just like confirmation this address is OK.

 

Bank of Scotland

Customer Relations

PO Box 29112

Dunfermline

KY11 2ZX

 

Thanks :wink:

Link to post
Share on other sites

Humm as i understand its statutory interest on the initial charge plus the interest claimed back looks like i could have screwed up

 

Hello All.

 

As I have my statements going back many years, I have prepared 2 Prelim. letters for two accounts going back 6 years.

 

Account 1. Charges £652.00 + interest

 

Account 2. Charges £516.00 + interest

 

Reading the FAQ's I understand that I claim for the initial charges of £652.00 & £516.00 respectively plus the Interest which I have not yet worked out, I then add the interest @ 8% if it goes to court.

Should I submit as two seperate claims or combine the two together?

Also, is it better to send claims if the registered office is in England.

 

What I am asking may seem a bit silly, but I am new to this and not quite sure after reading some of the threads.

Would appreciate any help given.

 

Thanks Again, twillardo. :|

 

Bank of Scotland: Prelim letter awaiting completion.

Barclaycard: Prelim letter sent 12.04.2007 for £144.00.

CitiFinancial : Preparing Prelim letter.

CitiCards: Preparing Prelim letter.

Capital One: Preparing Prelim letter.

Link to post
Share on other sites

  • 3 weeks later...

Hello All :)

 

No response from Bank of Scotland, sent LBA letter on the 25th April 2007 and now await a response!

 

06.04.07 Prelim letter sent.

19.04.07 Response from BoS, investigating claim.

25.04.07 Letter Before Action sent.

 

How long do you normally wait after sending the LBA, and what would be the next course of action :?:

Link to post
Share on other sites

14 days. Then file....

 

Do you have any information about the court.

 

If not then have a read of this.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

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. .

Link to post
Share on other sites

Thanks :smile:

 

Will now read up on this part, all quite new to this so there is the uncertainty factor, but due to this site and the information available the help and guidance is excellent and reassuring.

 

I have read through the FAQ's and various threads and would appreciate some advice, I take it this is where I prepare the court bundle, also do I add the 8% now and also the wasted costs :?:

 

I have submitted two claims £1,117.03 and £961.90, this includes Interest, not added the 8% yet and this will bump up the claim!, I will be going down the Summary Cause road due to the £750.00 Max. Small Claim's in Scotland. Do I submit under one action or as two seperate actions:?:

 

Quite a lot here, appreciate the help and advice given.

 

Thanks.

 

06.04.07 Prelim letter sent.

19.04.07 Respnse from BoS, investigating claim.

25.04.07 LBA letter sent.

Link to post
Share on other sites

Wooow, slow down.

 

First of all there is no need to be looking at court bundles and things like that yet. that is much later (if they dont pay)

 

Yes once you file at court you add the 8%.

 

I am not too up to date with the scottish courts. But im sure some one will help you out there.

Bigmac is good for scottish courts if you find him.

  • Haha 1

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. .

Link to post
Share on other sites

Thank You :smile:

 

Will now start the court process and see what happens :!:

 

06.04.07 Prelim letter sent.

19.04.07 Response from BoS, investigating claim.

25.04.07 LBA sent.

  • Haha 1
Link to post
Share on other sites

Hello All :)

 

Received Saturday 13th May 2007, a response from the Bank of Scotland:

 

"Dear Mr ........

 

Further to our letter of the 18th April 2007. I'm sorry that you have not yet had a full response to your concerns.

 

We're still investigating your complaint, and you will receive a response from us as soon as possible, but certainly no later than 14th June 2007.

 

Our complaints leaflet, which we sent to you previously, explains how we will handle your complaint."

 

I will be taking sea-sidelady's advice and starting court proceeding's Monday 14th May 2007 at the local Sherrif Court.

 

06.04.07 Prelim letter sent.

19.04.07 Response from BoS, Investigating claim.

25.04.07 LBA sent.

13.05.07 Response from Bos, still investigating claim.

Link to post
Share on other sites

  • 3 weeks later...

Hello :)

 

Received 30th May 2007 response from Bank of Scotland.

 

"Thank you for your recent complaint about the charges which have been applied to your account. I am sorry you are unhappy.

 

Our Investigation

I have carried out an investigation of your complaint and I am satisfied that the charges have been correctly applied to your account. This letter explains the reasons behind my decision.

 

We apply these charges because when customers have insufficient funds in their account to cover a payment they have asked us to make , this means additional work for us. As a result, we feel it is reasonable to charge for this service.

 

So on, so on, so on.

 

Outcome

I am sorry to advise you I am declining your complaint. I hope I have explained the reasons for my decision."

 

Response as expected, will send my response asking for a breakdown of the "Additional work for us" part. I know already what the response will be and see this as further ammunition for the court process, as they will not disclose the breakdown of the costs. Quote in their letter "we feel it is reasonable to charge for this service", sure I read somewhere on the site a thread regarding service charges?

 

Can anyone offer advice on any of the above, and is this is the way to go :confused:

Been on holiday hence the time delay.

 

06.04.07 Prelim letter sent asking to refund bank account charges.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent.

13.05.07 Response from BoS, still investigating complaint.

30.05.07 Response from BoS, complaint declined.

Link to post
Share on other sites

Interesting that you've been getting replies from Dunfermline! What mingy reples I've had have come from Trinity Road, Halifax.

 

I'm sure you'll get a VERY interesting reply about the *breakdown of additional work for us* !!

 

Have you noticed that a number of us Scots are going down the FOS line?

 

It's worth a thought.

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!

Link to post
Share on other sites

Hello :)

 

Further to Dusary recommending the FOS route, does anyone have any information on how this works?

Also is there a template letter for outright claim rejections?

 

:?: :?:

 

Any info would be appreciated.

 

06.04.07 Prlim Letter sent.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent

13.05.07 Response No.2 from Bos, still investigating complaint

30.05.07 Response No.3 from BoS, complaint rejected.

Link to post
Share on other sites

Yes - I think there is.

 

But I'm damned if I can get the linking thingie to work properly.

 

Try the Templates library - if that's no good - type in *FOS* into the search box.

  • Haha 1

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!

Link to post
Share on other sites

Thanks Again Dusary :)

 

Had a look at the complaints procedure for the FOS and see this is as yet another way to go before court action. Contacted the FOS and they are very busy at the moment, I wonder why ;). Informed that I complete a complaint's form downloaded from the FOS site and submit any other relevant details. General opinion from the FOS seems that once they have asked the bank for a breakdown of the cost to return an item, the information is not forthcoming and they settle without giving up the information. This seems to be quite a successful route, but time will tell. Letter of complaint to the FOS ready for posting and I await a reply.

 

Regarding the interest and costs part, I have to await the FOS complaint's procedure to be completed.

 

Financial Ombudsman Service

 

06.04.07 Prelim Letter sent.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent

13.05.07 Response No.2 from BoS, still investigating complaint

30.05.07 Response No.3 from BoS, complaint declined.

06.06.07 Letter of complaint sent to the FOS.

 

:wink: :wink: :wink:

Link to post
Share on other sites

Yes.

 

From what I've read here - you can go to the FOS after you get the *decline* letter. You cannot go to FOS after it has gone to court.

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!

Link to post
Share on other sites

Hello Twillardo, nice to meet up with you and thanks for responding to me on the "Urgent attention please read" thread. I had posted a question re claiming more than 6 years, on 2 accounts via FOS route. Your reply stated FOS would look at but

quote

 

"Further to the FOS complaint form, if submitting a complaint form for multiple claims, you can use the one form providing it is for the same institution and you are the sole account holder"

 

Take it thats a no to joint account holders.

 

Mine is in joint names and wondering why they would not look at.

 

Many thanks

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Hi again

had a quick double check of the form sent to me by FOS.

It specifically asks for details of both parties complaining. Is there something I don't know about or have misinterpreted that you have picked up?

Will keep and eye on your thread for post. Thanks kennythecelt

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

Hi Kenny :)

 

When I spoke to the FOS they did say if you are the sole account holder use the one claim form for multiple accounts if it is for the one institution. Not sure about this point as I have yet to submit the form, I currently have two claims with BoS running and put them on the one form, the FOS did say if there were any problems with the form they will be in touch?

If it is for a joint account you can use the FOS, because of Data Protection the form does contain a section for joint complaints for both parties to sign.

 

Read what chocolatte had to say regarding the FOS, maybe the time it takes is due to the demand as they did say they are snowed under with complaints. The moneysavingexpert site in there latest newsletter is now recommending this route, maybe this is lengthening the time scale.

 

I have read elsewhere on various threads that other claimants are using the "until service" part in correspondence, this is for until a final settlement figure is received and accepted, better to ask around as I am not to sure about this.

 

Hope this is some help, if not please reply and I will try and help :wink:

 

Further to my claim with the Bank of Scotland, I called the Customer Relations Dept. in Dunfermline 07/06/07 after receiving the complaint declined letter, they were very helpful and are re-evaluating my claim, did say that the declined letter is not final?

 

06.04.07 Prelim Letter sent.

19.04.07 Response from BoS, investigating complaint.

25.04.07 LBA sent

13.05.07 Response No.2 from BoS, still investigating complaint

30.05.07 Response No.3 from BoS, complaint declined.

07.06.07 Called the bank and they are re-evaluating claim.

Link to post
Share on other sites

Thanks for the update Twillardo, appreciated.

Will keep researching and report back anything I find.

 

"did say that the declined letter is not final" reference to BoS. What are they up to!! Its all delay tactics. Keep the pressure on, good luck and thanks

Any advice given by me is based solely on my experience in claiming, my experience in CAG or my opinion. I have no legal background. I want to encourage others to reclaim what is theirs.

 

Got a DCA breaking OFT guidance. Complain to the OFT about the DCA. Help put an end to these practices-

 

http://www.consumeractiongroup.co.uk/forum/letter-templates/155095-complain-oft-about-unfair.html#post1652270

 

Register with CAG today, its free, its a great community:

http://www.consumeractiongroup.co.uk/forum/register.php

 

[email protected].

 

 

 

Thankyou Kennythecelt:)

Link to post
Share on other sites

. . . . "until final service" - there's a good *GET OUT* I'll keep up my sleeve.

 

Thanks for that!

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!

Link to post
Share on other sites

 Share

  • Recently Browsing   0 Caggers

    No registered users viewing this page.


  • Have we helped you ...?


×
×
  • Create New...