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Federer Vs Bank Of Scotland


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Hi all,

 

Came across these forums through an other bank chagres site, happy to be a part of it!

 

my current situation is that i have just recieved the standard fob of letter yesterday, a couple of useful pamphlets...haha & a 2 page photo copied letter trying to throw me off the scent.

 

I am currently reclaiming around £2000 in charges from the HBOS after 3 nightmare years with this bank resulting in failed payments to loans etc after the ridiculous amount of charges i would recieve each month. I am overdrawn though, what would be the likelyhood they close my account down IF they do decide to pay up?

 

Also, whats the estimated time etc after sending the 2nd letter (today) threatening to take them to court etc

 

any help and a rough idea of where to go from here would be very much appreciated!

 

:)

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first of welcome to the site you will get all help you need here you send your lba and its 14 calander days then you start to file court being overdrawn shouldnt make any difference i was and i still won if you need any help just shout

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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Thank you Tilly! i'm a bit naive here but i'm gueesing the LBA would be the second letter "i'm dissapointed you have decided not to refund my charges....i wish to hear from you within 7 days or i will take the following action....small claims court...FOB etc"

 

or...

 

The LBA being when i get the financial obsduman involved?

 

Cheers!

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no the letter beofre action is you give them 14 days to reply then its file courtLetter before action - Consumer version - asking for it here you go

 

 

A-Z Index

 

 

 

 

 

 

 

HOW NOT TO CLAIM...Click here!

 

HOW TO...DUMMIES GUIDE TO CAG...Read here

 

.please remember that any advice i give is purely my own experience or opinion thankyou

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perfect! right i think i know where i stand now, which is ideal...just a case of waiting to see what their next move is then?!

 

one thing i have noticed by looking around though is that i never included interest charges in my claim...

 

i'm also hazarding a guess that they will try and put this off for as long as possible?

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seems a bit crazy that i'm going to file a court claim against...a bank!

 

 

Maybe we should issue default notices on THEM!

 

evilgrin0044.gif

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Hi again everyone

 

right i'm now wondering if i should maybe give the bank a call to see where i'm at,i've sent my LBA well a letter very similiar to the bank which would have been delivered monday/yesterday latest. with my threat to issure further action in 7 or 14 days respectively.

 

should i call or shoul i wait...i just don't want to sit around twiddling my thumbs!

 

hope everyones cases are going well

 

 

oh and heres an interesting fact. i got a notice from a collection company!? today asking for payment of £200 from my account...i do not have any loans! I paid of all outstanding debt last year....very strange

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Also,

 

does anyone know what number i should call to do enquire about this? would just like to chance my luck today and see what happens if i get through

 

:)

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If you have sent your lba, then im afraid it is twiddling your thunb time for 14 days.

 

You can read up on the next stage, have you decided wether to do mcol or N1.

 

http://www.consumeractiongroup.co.uk/forum/site-questions-suggestions/71369-getting-mcol-right.html#post614610

 

Also which debt company contacted you?

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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Hi sea-side lady!

 

masterloan, on behalf of...Alliace & Leicester! whom i have never dealt with. which i find unreal, considering they have gave me 48 hours to pay this sum and this being my first correspondance!

 

thanks, i'll start preparing for the final stage :D

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ok...........

 

just called the HBOS to confirm my 2nd letter had arrived, it had. but the woman in customer relations pointed out to me they now have until the 16th of august to reply?!?! i beg her pardon. i was sure they had only 14 days!

 

any idea why they would give themselves that amount of time?

 

sorry about all these questions!

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You need to stick to your time scales. 14 days is plenty.

 

They are trying to drag it out, but you know better..;)

 

It does look like it might be a mistake for the debt company if you have never had an account with A&L.

 

This is the forum that deals with this, it is worth posting in there.

 

http://www.consumeractiongroup.co.uk/forum/debt-collectors-debt-collection/

HOW TO...DUMMIES GUIDE TO CAG...Read here

STEP BY STEP GUIDE...Read here

F&Q's... Read here

EVERYTHING YOU NEED THE A~Z GUIDE...Read here

 

Go to our Cag Toolbar Download page here

 

Please don't forget this site is run on DONATIONS If this site has helped in any way, then please give a little back. ;-)

Any opinions are without prejudice & without liability. All I know has come from this site. If you are unsure, please seek professional advice. .

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SSL is, of course, again, as ever - CORRECT!

 

Your time-scales - not theirs!

  • Haha 1

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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tick tick tick!

 

haha. getting there now, Actually looking forward to the next step! i take it once i send over my complaint to the FO i send a copy to the bank to let them know i am pressing further action, i've been waiting years for this..!

 

Cheers for the help so far folks :)

  • Haha 1
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Wouldn't do any harm correcting their misinformation by calling them.

 

The more you add to your *file* with them - the better.

 

Be polite:

 

"I'm just calling you to correct something said to me on the phone on DATE. You should, of course be aware that you have 7/14 days (delete the wrong one) to reply."

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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  • 2 weeks later...

okay doke!!!

 

their time is up. still no reply and i've waited at least 16 days between the two lbs i sent. do i call the FO first?

 

thanks for the help everyone, the finishing line is in sight!!

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right...

 

haha next step completed.

 

just off the phone to a very helpful at the FO. my complaint form to open an independent investigation will be sent to me in the next few days.

 

now....i'm about to call the bank and let them know off this? all sound ok so far?

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still keep getting fobbed off! "we have until the 14th of august...blah blah blah...8 weeks blah blah blah"

 

the girl on the phone from the bank there seemed like a genuinely nice person and has now e-mail a senior manager etc with the stage i'm at as i said my first letter with enclosed bank charges etc came through sometime in may so how can 8 weeks be august 14th?!.

 

Is this good or bad?!

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Whoops! I think so! This was to the posting before your latest one!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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Is this good or bad?!

 

It's good from your point of view ..... Bad from theirs!

 

In fact, it just goes to show the pressure they are operating under. Well, tough cheese! They put US under enough pressure in the past!

 

REMEMBER: YOUR TIME-SCALE - NOT theirs!

 

 

PS. Thanks for tippin me scales, kind sir! If I hadn't given out a lot of lovies today, I'd reciprocate!

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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:)

 

the ball is well and truly in motion now. once i get the letter from the FO i'll feel a lot better, dusary since this case is in scotland what happens once the FO get involved?

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Same as it would in England or Wales or N Ireland!!

 

It IS an UNITED KINGDOM!

 

happy0032.gifhappy0032.gifhappy0032.gifhappy0032.gif

 

 

Dummie's Guide to CAG: http://www.consumeractiongroup.co.uk/forum/welcome-consumer-forums/107001-how-do-i-dummies.html

Me v BofS: Charges: £13,048.10 #2a/c Statements from 08/01/01 received. Charges:£5,156.39 Information Commissioner's Office informed June 12th who wrote to BoS, June 22nd for non-compliance. #1a/c: passed to BoS Senior Review Team. Discovered 2 further a/cs, and 3 Loan accounts. "Goodwill offer" of £7,424.23 06/07/07. Accepted (partial repayment). 20/07/07 Top-up payments of £2,558.10 & £1,154.00

£11,136.33 paid back thus far.

New claim issued: 9/07/2007 for 3rd account: £500+ PRESSING ON!

Don't forget - when you win - a donation to CAG would be welcome!

If anything I've said has remotely been of any assistance, then please tip my scales!

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