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Delighted to dicover this site after realising the BoS have been unlawfully charging me over the years.


I am at the stage where I have identified the charges on two accounts over the past 6 years (£1600 & £400 plus interest) and have phoned the bank to complain and ask for a refund. Customer relations were not interested in the actual figures but have sent me a letter stating they will investigate my complaint and promise to reply within 40 days.


I know that I should be dictating the process and using the letters listed on this site but I am confused about the procedure for taking this claim to court and for my peace of mind this process needs to be clear before I proceed any further.


Thank you in anticipation of your advice.

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Hello and Welcome, Bakerboy.


Have a look at this....



Then if your in Scotland..........



Start your own thread here....



And keep it updated, people dealing with BOS will help you out.







Any advice I give is honest and in good faith.:)

If in doubt, you should seek the opinion of a Qualified Professional.

If you can, please donate to this site.

Help keep it up and active, helping people like you.

If you no longer require help, please do what you can to help others

RIP: Rooster-UK - MARTIN3030 - cerberusalert

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Guest louis wu



If you follow maroon's advice, you will have the info to start your claim.


Just a quick word, though, you don't have to start the claim until your ready. Have a good llok around, get used to the idea of taking on a bank, and learn whats involved.


When your confident begin the process. The more time and effort you put in now, learning and understanding, the easier it will be for you later on.


Good luck



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It is starting to look a bit clearer now.


would you advise treating the outstanding amount as one or should I split it into the two accounts?



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Welcome to the site.

As has been suggested you really need to know what you are doing and be well prepared.

For this reason you should read up more and have a look around in particular threads from the bank you are gonna be claiming from.

You cannot ask for any interest until you file the court claim.

Stat interest is court discretion,although you can tell them you will be filing for it.

Preparation is the key and it cannot be made clear enough.

No one walks before they can crawl.......the time that you spend learning will reap rewards later...in this case get your money back without costly mistakes that may hinder it.

Have a happy and prosperous 2013 by avoiiding Payday loans. If you are sent a private message directing you for advice or support with your issues to another website,this is your choice.Before you decide,consider the users here who have already offered help and support.

Advice offered by Martin3030 is not supported by any legal training or qualification.Members are advised to use the services of fully insured legal professionals when needed.



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Guest louis wu

Martin, your pm's full, so it will have to be a public thanks, it is appreciated.



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