Jump to content
Andy Pattinson

AndyP v BoS current account

Recommended Posts

New kid on the block looking to start first of many hopefully successful claims for my money back. i have 2 account both current with my local Bank of Scotland branch. have asked for and recieved statements from when account were opened, for which i was not charged and very suprised whe recieved a phone call from the manger informing me that he had requested the statements and to contact him if there was anything he could do for me.I informed him i would write to him once i had reviewed the statements and left it at that as i did not know the true extent of the charges at that time in case he was for making a deal.

Amounts i am looking to reclaim are

Account 1 £2450 in charges and £31.31 in overdraft interest

Account2 £788 in charges and £4.26 in overdraft interest

Just looking now for the next step, i live in Scotland and have read about the £750 limit per claim, just needing a bit more guidance from the more experienced before i persue it any further.

Share this post

Link to post
Share on other sites



So you want to reclaim your bank charges. Good.


The first thing to do is to read the FAQs. It contains the answers to most of the questions that get asked on this forum.


Then you need to read the forum material, especially the ones relating to your future claim.


You need to understand what you're doing, at least a little bit.


Once you have your head around all this, and if you have questions that have not been answered, post your questions here on your thread, or your updates as your claim progresses.


You've taken the first step. applause.gif

Share this post

Link to post
Share on other sites

Thanks for that, have been reading as much as i can see on the site over the last week ish and think i have the basics . have calculated the amounts as shown and have just issed my request for repayment for the sum of £544.36 from the smallest of the 2 accounts. Will be watching for any traps in the wording of any letters recieved from the bank in future now i have taken the first step. Will keep you up to speed with it as it progresses.

P.S.I will gladdly give 5% of what ever i get back to keep this site going.:-)

Share this post

Link to post
Share on other sites
Please fill in your quit date here

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.

Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

  • Recently Browsing   0 Caggers

    No registered users viewing this page.

  • Tweets

  • Our picks

    • A shocking story of domestic and economic abuse compounded by @BarclaysUKHelp ‏ bank complicity – coming soon @A_Gentle_Woman. Read more at https://www.consumeractiongroup.co.uk/topic/415737-a-shocking-story-of-domestic-and-economic-abuse-compounded-by-barclaysukhelp-%E2%80%8F-bank-complicity-%E2%80%93-coming-soon-a_gentle_woman/
      • 0 replies
    • The FSA has announced large fines against DB UK Bank Limited (trading as DB Mortgages) - DeutscheBank and also against Redstone for their unfair treatment of their customers.
      Please see the links below for summaries and full details from the FSA website.
      It is now completely clear that any arrears charges which exceed actual administrative costs are unfair and therefore unlawful.
      Furthemore, irresponsible lending practices are also unfair and unlawful.
      Additionally there are other unfair practices including unarranged counsellor visits - even if they have been attempted.
      You are entitled to refuse counsellor visits and not incur any charges.
      Any charges for counsellor visits must not seek to make profits. The cost of the visits must be passed on to you at cost price.
      We are hearing stories of people being charged for counsellor visits for which there is no evidence that they were even attempted.
      It is clear that some mortgage lenders are trying to cheat you out of your money.
      You should ascertain how much has been taken from you and claim it back. The chances of winning are better than 90%. It is highly likely that the lender will attempt to avoid court action and offer you back your money.
      However, you should ensure that you receive a proper rate of interest and this means that you should be seeking at least restitutionary damages - which would be much higher than the statutory 8%.
      Furthermore, you should assess whether the paying of demands for unlawful excessive charges has also out you further into arrears and if this has caused you further penalties in terms of extra interest or any other prejudice. This should be claimed as well.
      If excessive unlawful charges have resulted in your credit file being affected, then you should take this into account also when working out exactly what you want by way of remedy from the lender.
      You should consult others on these forums when considering any offer.
      You must not make any complaint through the Ombudsman. your time will be wasted, you will wait up to 2 yrs and there will be a minimal 8% award of interest and no account will be taken of any other damage you have suffered.
      You must make your complaint through the County Court for a rapid and effective remedy.

      Do you have a mortage arears claim to make? Then post your story on the forum here
      • 0 replies
    • 30 Day Right To Reject - Vehicle Casualty Report. Read more at https://www.consumeractiongroup.co.uk/topic/415585-30-day-right-to-reject-vehicle-casualty-report/
      • 9 replies
    • I am new here but very glad to find my way here and would welcome any input.
      i purchased a brand new campervan conversion from Hillside Leisure (175 miles from our home) on July 26th for £31,000 and, within 48 hours, during a storm, the alarm began to sound incessantly. We could not get it to stop, even after trying everything listed in the manual. We phoned Hillside on Saturday July 28th around 2.00pm. The young man who answered the phone said he would seek the advice of their technician and call us back, which he did. The technician told us that they, Hillside, couldn’t help, but that we should take the van to Nissan (the van is a Nissan) as the fault would lie with one of their components.
      • 42 replies
  • Create New...