BOS not responded

[vivaman]

Hi

 

Sent LBA to BOS and they had till today to respond - NO REPLY.

Should I call them or just carry on to the next stage of court action ?

Am in ill health and awaiting surgery and on incapacity benefit. Really worried about losing more money. Am however determined to see this through. Thanks for listening.:o

[vivaman]

Thanks for the quick reply.

Have just reread my LBA and think I hashed it a bit as now realise I only gave them 7 days to reply. Is this going to cause a major problem ?

[vivaman]

Thanks Tilly:)

[vivaman]

Spoke to BOS on phone (Dunfermline) and they deny receipt of my LBA. The guy however said that he would escalate my complaint and I should fax the dept my letter. Would this be a wise thing to do ???????

I feel like I am hashing up on this !!!!!!:o

[vivaman]

Sorry to be such a pain - just spoke to BOS to see if they had received my fax (see my note above this one). They have received it and said they have till the 9th August to respond. This was my LBA and am now confused as to start court claim now or wait till 9th August ( FOS rules ) or response from them which ever comes first.

[vivaman]

I faxed through the original LBA.

[vivaman]

I live in Essex

[vivaman]

I left it exactly as it was - 7 days. Did not want to change it in case of a discrepancy if they were holding the original.

[vivaman]

Sorry Dusary - think my brain is scrambled:o

[vivaman]

Thanks Tilly - will do

[vivaman]

Hi

 

I have given the BOS till Monday as this is when the 14 days is up. They have received the LBA. Due to my incapacity benefit it is going to be a tight one to pay court charges. I do remember seeing somewhere that there is a link to fees for those on some benefits but cannot find it on the site. Can someone please point me in the right direction.

Also, what are the chances of winning anything if I use the Financial Ombudsman - any experiences from anyone so far. If the FO rules in the banks favour can I still take it to court ?????

Thanks for listening:)

[vivaman]

thanks Tilly. Nope - not relevant to my benefit. Now I'm stressing:(

[vivaman]

no - just incapacity which is not income based.

[vivaman]

thanks for that - will go and check it out:)

[vivaman]

What is the EX160

[vivaman]

Sorry Tilly. Fell Asleep As Am On Liquid Morphine And Other Meds.

Have Had A Look And Will Fill In The Form. Thanks For The Link.

[vivaman]

Is there any point in me taking my claim to the Financial Ombudsman Service rather than court ?????

[vivaman]

No Luck tilly.

[vivaman]

What is SSL ?????

[vivaman]

tHANKS FOR THAT SSL. hAVE JUST SPOKEN TO ONE OF THE ADVISERS AT THE FOS AND EXPLAINED MY SITUATION TO HIM ABOUT ILL HEALTH AND THE FACT I MAY START CHEMOTHERAPY NEXT WEEK. HE ADVISED ME TO FILL THEIR COMPLAINT FORM OUT AND SEND IT WITH BOS REJECTION LETTER. HE ALSO GAVE ME A REFERENCE NUMBER. HE SEEMED FAIRLY SURE THAT THEIR SUCCESS RATE IS GOOD AS REGARDS BANK CHARGES.

[vivaman]

Hope That I Am Doing The Right Thing Here But Due To Circumstance Dont Know If I Can Handle A Court Case With The Bank. He Said If They Dont Get It Right I Can Still Have The Option To Take It To Court.

[vivaman]

Risky yes - i guess the court would also take into account that the FOS made a ruling against the claimant and this could backfire.

But, just as the courts do the work for us so do the FOS, so I cant see how this would relate to me getting someone else to do the work like the banks.

[vivaman]

Here goes - preparing to send off claim on moneyclaim site on Monday.

Can someone tell me how to work out the 8% interest please.

Thanks:eek:

[vivaman]

Sorry Tilly - clicking on it but it wont take me anywhere. Probs me being stupid:confused:

[vivaman]

Thanks For Your Help Tilly. Have Got It Done And Amazed At How Much It Puts On The Amount Of My Original Claim.

Thanks For Always Responding So Quickly.

Hold Thumbs For Me Please.