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Business Bank Charges Bank of Scotland


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Hi all

 

I have just had a reply from the BOS regarding my LBA, which states;

I am sure you are aware of the considerable media coverage, blah blah blah. These claims are based on the Unfair Terms of Consumer Contracts Act and the decision by the OFT in relation to credit card charges. Unfortunately, neither of these relate to business customers, and as there has been no error in their application, i am unable to offer a full refund of £.

 

Having considered all the circumstances of the case, it seems we have reached the position where no further explanations will serve any usefull purpose.

Then it goes on to say to contact the FOS.

 

What do i do next, carry on with my letter of action. bit confused because they are stating that they don't want to write to me again on this matter

 

 

Please help.

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi Snowjo,

 

With my first claim against BOS on my Business Account they sent me an identical letter, load of hogwash. I have twice claimed and won on my Business Account, the second time I claimed they just ignored everthing I sent them but still paid up in full two weeks after my court calling date. In both my claims I quoted the Unfair Contract Terms in Consumer Regulations (1999) and the Unfair Contract Term Act (1977). It worked for me twice. Stick to your timetable, they will waffle to you as much as they can to stall you. If you have already sent your Letter Before Action, give them 14 days then take them to court.

Stick with it, and you will get your cash.

 

Regards.

 

Scott.

 
 

Any advice I give is honest and in good faith.:)

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Thanks Scott

 

have been watching your posts and glad it was you who answered. I will be sending next letter on Tuesday, and will keep you posted.

 

 

Jo

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi snowjo

 

Just received the same letter. I have sent a LBA today stating am not claiming under the unfair terms etc., AS I HAVE STATED TWICE BEFORE!!!!! Ive given them 14 days or its off to court we go.

 

Stick to your guns. They will pay. They are just trying to fob us off. But we know better, dont we;)

 

Good luck

Gemspan

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Thanks Gemspan

 

Will keep you informed, sending my letter this morning.

 

Lets hope we are as lucky as Maroondevo52

 

Good luck to you too.

 

Snowjo

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi Scott

 

Just wondering about whether they let you go all the way with court dates or whether they paid out after you threatening them with court.

 

Jo

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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Hi Guys

 

Sent them a LBA 2 weeks ago and have nothing back from them There time is up, is this it now, the moment i have been dreading, COURT ACTION.

 

OH NO

 

Really need your help now, can someone guide me to the relevant site, don't know whether because i am anxious or just stupid but i can't find what i am looking for as to where to go next

 

 

Many thanks

Snowjo:o

Bank of Scotland (Business Account) £805.00 March 07

Halifax (Personal Account) £ 2415.00 March 07

Halifax PPI Trying to cancel

Debt 17,000.00

:oops:

Debt free March 2009

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