London Scottish

[maxwjz]

Hi i am new to all of this,i have had an account with loan company called london scottish ,who have charged me loads over the past 7 years.has anyone had ay dealigs with these? please help.hope this is yhe right forum.

i am soon to send letters for charges to;

capital 1

barclay card

[Seminole]

Hi

 

Welcome to the forum. I've not come across London Scottish but one of the other members may be able to help. We also have a search facility that allows you to search this forum or the whole site (this is available from the main index page).

 

Please do have a read through the FAQ section and the other forum materials. There's a lot of information here and it will take a while to become familiar with it. Please post any questions you have here. If you decide that you want to deal with Barclaryard charges, please post a thread in the Barclays topic.

[maxwjz]

Hi i have lookd i the search forum for london scottish but cannot find anything can anyone help???

[maxwjz]

London scottish called today telling me they have recieved my dpa letter and they were now going to send me all charges and transactions in the past six years.

I did not even send them the £10 charge.

[maxwjz]

I have today sent off my preliminary letter to ask them very kindly if they would refund all the money they have unlawfully charged to my account 280 pounds

 

I will keep this post updated as to my progress.

 

wish me luck!

[:Boy:]

Hello,

 

I used to work for London Scottish in Manchester and Robinson Way (debt collectors) who are also in the same office, as (when I was working there) they were the same company.

 

Did you have a 'Call 4 Cash' account?, any help, I will be happy to oblige.

 

Best regards

[maxwjz]

hi David

i did have a call 4 cash account to start off with,then it changed to london scottish.

I have also kindly asked them to remove th default they put o me credit file.

[maxwjz]

london scottish have contacted me saying,they acknowlegde the complaint and they will contact me no later than 2 weeks.

i have also asked them to remove the defaualt i have now.

i had the th letter from a getleman named karl white.

[Jacqueline07]

Hi - I have just received a reply from London Scottish following my prelim and LBA letters for £568.00 ish (can't remember exact figure - I'm at work) - received a final reply late last week stating t&c you agreed to and basically bog off letter. These charges are for returned direct debits etc from a second charge I had in 2002.

 

Will start my own thread on this - but will be filling in N1 for this amount next week (near to pay day!).

 

Will follow your thread with interest as hopefully it should/will mirror my own.

 

Jacqueline

[maxwjz]

i have not recieved anything from london scottish yet, after sending my prelin letter ,i have now snt a lba on the 18/08/06- lets see what rsponse i get.

[maxwjz]

today i have recieved a letter from london scottish stating that i agreed to ts and cs, and that they will not refund any money nor will they remove the default.

therefore i shall now file a claim near to pay day (end of month).

will keep posted.

[Bigmac versus]

Good luck

[Jacqueline07]

Hi Maxwjz - have just rang the court and London Scottish have not acknowledged so I have been advised to request judgement. I'm a bit sceptical at the moment but have asked for immediate payment.

 

Will keep you posted - how are you getting on with yours?

 

Jackie

[maxwjz]

i am now in a postion to start my claim,however i came across a thread toaday saying that i cannot pursue my claim if i have not sent a list of charges to the bank .which i have not done (now kicking myself).

any help on how i can rectify this,is it as easy as just sending a copy to london scottish,waitin a few days till they recieve it then starting my claim.

help please:confused:

[Jacqueline07]

Max - I wouldn't worry too much - have you had a reply at all to your prelim/lba letters? Maybe, if you're worried, send one last letter with a list of the charges on. They will have the information in front of them anyway - I suppose you could just give them another few days to cover yourself. JMHO. Good Luck, Jackie

[maxwjz]

hi jackie,

i have had areply from them stating i agreed to the terms and conditions and basically bogoff.

so i think i will send a list of charges and wait a few days just to be on the safe side,then start my claim.

[Jacqueline07]

Max - I received the same reply and went ahead with the claim anyway. Best of Luck - Jackie

[maxwjz]

thanks jackie

can you tell me what is the difference between a N1 County Court claim form and doing the money claim form.

[Jacqueline07]

Max - none really - the only difference is the N1 you send (post) to the court (with a cheque or postal order or if you go in person, with cash) and the money claim you do online. I did the N1 form (cause I've only an electron card and the court service do not take this debit card). Also using the N1 you have more room for your particulars and you can include a schedule of charges when you send it to the court. If you do the N1 send three copies to the courts, one for them, one to send to LS and one to return to you. I also sent a self-addressed envelope (to be helpful to the court;) ). There is a template for the N1 on the bank templates. J

[maxwjz]

thanks for jackie.

i'll send off a n1 form think that that will suit me better.

[maxwjz]

I have been unwell the past couple of weeks and tomorrow will be my first opputunity to start my claim,however i have looked at the n1 form and i could really do with some help filling it out.i think its me being stupid.

[Jacqueline07]

Hi Max - hope you're feeling better - I copied the N1 template in the bank library if you are claiming back things like direct debit rejection fee and arrears charges - which is what mine were for. Shout if you need any more help. jackie

[maxwjz]

Hi Jackie,

I've downloaded the n1 form.

On the part where it says claimant & defendant,i take it i put my name and address,and acc no and their address

Where it says Value-just put the amount,or do i include the intrest aswell?

But the bit i am confused on is where it says Brief details of claim & Particulars of claim.

what is it i put in those areas?

thanks for your help.

 

Jamie.

[Jacqueline07]

Jamie - your name and address for claimant - London Scottish for defendant plus their address. Brief details of claim - I'll post later cause my paperwork is at home and I'm at work at the moment. Value - is total amount PLUS 8% court interest if you are claiming it PLUS court fees then TOTAL. Second page copy the wording from the N1 on the bank template library.

 

I'll post again later when I get home.

 

Jackie

[Jacqueline07]

Jamie

 

Brief details of claim:

 

During the running of Account No. xxxxxxx the defendant made various deductions in respect of returned direct debit fees, arrears charges and returned cheque fees. The claimant contests that the charges are punitive in nature and are not a genuine pre-estimate of cost.

 

Value:

Account Charges: xxx

Interest: xxx

Court Costs: xxx

Total of: xxx

Plus daily interest at 8% of £xxx from the date of issue until settlement.

 

Hope this helps Jamies