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I am a very late starter with this and so am worried that I might have missed the boat - especially as this gives me the chance to maybe raise funds for my wedding in the next year or so.


My account is with the HBOS and I live in Scotland.


The letters I used in this claim were from moneysavingsexpert.com


I sent a letter on the 22nd March claiming two amounts from two bank of scotland accounts - £1,180 & £4,340 and received one from HBOS 26th March 07 stating that HBOS will investigate and respond in eight weeks.


Then a letter came from HBOS on 8th May saying that they thought the charges were lawful.


I sent another letter on 15th May to them stating that I didn't think they were lawful and they responded by sending another letter on 29th May 07 to me asking for another four weeks to investigate.


I want to know with respect to my claims where I should take this now. I feel there is iminent legislation, from rumours, that banks are to be protected from a certain date, and want to get my claim in before that happens.


I hope that you guys can advise me in reclaiming these awful charges and which will hopefully pay for wedding stuff and take the pressure off,


Thanks for your time in reading this,


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There are a few people from Scotland and I am sure they will be along shorty to offer some advice.


Good luck!


Hey, don't call me shorty ;) ;)


Thanks moneyhelp - I look forward to their advice

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