scottish bank charges

[chasbeg]

I'm belatedly looking into claiming back bank charges and I'm very confused. I live and work in Scotland and bank with The Bank of Scotland. Can anyone direct me to an appropriate letter template for use in Scotland with a Scottish bank? And...is it true in Scotland we can only claim a maximum of £750?

[maroondevo52]

Hello and Welcome, Chasbeg.

 

You can claim up to £750 Small Claim or up to £1,500 Summary Cause in Scotland. You could also go through the Financial Ombudsman Service and reclaim your charges if they total more than £1,500. I have twice won claims against BOS, one Small Claim and one Summary Cause. As I still have about £5,000 to claim I have today sent my complaint to the FOS.

Go back to the main Forums and General....Scotland, there you will find Scottish Procedure, this should keep you straight. Most of the template letters you will find in the Bank Templates Library. Have a look in the Halifax Bank and Bank of Scotland Forum, read a few threads then start one yourself.There's always someone who will help you out.

 

Best wishes with your claim.

 

Regards.

 

Scott.

[moneyhelp]

Here's the link http://www.consumeractiongroup.co.uk/forum/halifax-bank-bank-scotland/

[Parkvale]

chasbeg

Hi and welcome to the CAG site

 

You've definately taken the first step into claiming back what's rightfully yours.

 

Spend time reading the FAQ's and the Step by Step guide as this will stop you making mistakes along the way. Use the letters and spreadsheets in the Templates Library as these have all been tried and tested in successful claims. Read as many threads as you can especially ones that relate to your bank. This is a SELF HELP site and won’t do the work involved for you. However, everything you need is on here somewhere.

 

Don't be afraid to ask any questions, no matter how stupid they may seem, but please remember that any advice that you receive is normally based on experience only and that you should seek expert advice if required.

 

Once you start the process of your claim remember to open a thread in the relative bank forum, this will enable you, and others helping you, to keep track of your claim.

 

Good luck with your claim

 

 

Useful links to help with your claim

 

FAQ’s

http://www.consumeractiongroup.c o.uk/forum/faqs-please-read-these/

 

Letter Templates

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/

 

Interest Spreadsheet

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/182-6-interest-calculation-spreadsheets.html

 

Court N1 form

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/681-4-particulars-claim-n1.html

 

Mcol Particulars of Claim

http://www.consumeractiongroup.c o.uk/forum/bank-templates-library/34887-5-money-claim-line.html

 

[stevokenevo]

RE the above

 

This is a ridiculous template message, which i have come across several times in the last few days. It does not answer the questions posed, and does little if anything to help the O/P

If you do not have time to answer the question posed, then please refrain from adding this nonsense!!!!!!!!!!

[stevokenevo]

Chasbeg, i have been doing some research myself, and it should be extremely easy to use the english system if your claim exceeds our £750 small claims limit. I have been reading up at the Govan Law Centre website which has a informative section on jurasdiction, if your bank or credit card company has a head office in england, you CAN use the court local to them i.e for capital one you can use nottingham, or seeing as BOS has merged with HAlifax, if you have a large claim you could use a court in Halifax i would reckon, hope this helps

[rory32]

or seeing as BOS has merged with HAlifax, if you have a large claim you could use a court in Halifax i would reckon,

Stevo's probably right, but it's worth checking first. HBOS group are split into 3 groups, Halifax, Bank of Scotland and HBOS.

[MARTIN3030]

Yes this is true.

You can use the Trinity road address for any BOS holding group companies which includes yours.

Of course this must be lodged in Court here from an English address.

As regards our site helpers response he is doing his best here.For the most part although this does not specifically point to the answers re Scottish procedure,it does mention the Faqs and further reading where this info is available.

[rory32]

You can use the Trinity road address for any BOS holding group companies which includes yours.

 

Thanks Martin

[MARTIN3030]

Stevo's probably right, but it's worth checking first. HBOS group are split into 3 groups, Halifax, Bank of Scotland and HBOS.

 

 

You have the right idea Rory but its actually 1 group that incorporates 2 Banks.

HBOS IS the group.....Halifax and Bank of Scotland are its companies so they come under the HBOS umbrella as they call it.

[stevokenevo]

Of course this must be lodged in Court here from an English address.

 

When using the N1 form, it should be posted to the court local to the defendant, the pursuer may use thier home address, an English address is not necessary. (ref Govan Law Centre)

[weeyin5]

Hi,

 

Wonder if you can help i have just received a letter from HBOS to say that he is satisfied that my charges were right.

 

Not sure what to do next re taking to court can someone help.

 

regards

 

weeyin

 

 

Hello and Welcome, Chasbeg.

 

You can claim up to £750 Small Claim or up to £1,500 Summary Cause in Scotland. You could also go through the Financial Ombudsman Service and reclaim your charges if they total more than £1,500. I have twice won claims against BOS, one Small Claim and one Summary Cause. As I still have about £5,000 to claim I have today sent my complaint to the FOS.

Go back to the main Forums and General....Scotland, there you will find Scottish Procedure, this should keep you straight. Most of the template letters you will find in the Bank Templates Library. Have a look in the Halifax Bank and Bank of Scotland Forum, read a few threads then start one yourself.There's always someone who will help you out.

 

Best wishes with your claim.

 

Regards.

 

Scott.

[rory32]

I assume you are in Scotland weeyin. If that is the case start a thread in the Scotland subforum. You will get specific advice there.

[Dusary]

When using the N1 form, it should be posted to the court local to the defendant, the pursuer may use thier home address, an English address is not necessary. (ref Govan Law Centre)

 

 

Thanks!