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BOS Battle Has Begun: Advice Please

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Well I sent off my letters to the following for bank/credit card charges


Bank of Scotland One Card


Halifax Credit Card

Bank of Scotland Student Account


Received my first letter from Bank of Scotland today from a guy called Dominic Slipenkyi, customer relations officer saying -


"I am sorry you are unhappy about the charges which have been applied to your account"...."I am sorry to advise you I am declining your complaint. I hope I have explained the reasons for my decision.


It just goes on about the terms and conditions and I received a wonderfuly useless blue leaflet too.


Anyone else received this letter. Is it worth phoning them up and threatening legal action or just wizzing the letter over to them?


Any comments welcomed

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lol, I got the same letter back today, with the same crappy leaflet, Only mine was from Heather Hollingworth.


Don't let it hold you back though, continue with your claim.



I believe that you may be at the same point as myself, You have asked for £XXXX back and they have denied you.


You need to send this


3. Letter before action - Consumer version - asking for it back




You could ring the halifax, but it would be a waste of your time, I have rung them endless amounts of time with no great sucess.


But it doesn't hurt at the end of the day.

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