ecobabe v BoS

[ecobabe]

yep checked online and it said it hadn't been delivered yet. but my special delivery got there, they can't get out of that.

[ecobabe]

having sorted out my "little" scare earlier when they took £4000 out of my account to offset another account, I have started down the claiming charges route. so to date have got my statements and sent an initial letter to BoS for my son's student account, should I have added interest on to the amount of charges. he only had around £200 in charges but i feel that there should be some kind of interest added on as they've had that money for ~3 yrs?

secondly the deadline for their response is up tomorrow and today they wrote and offered him half his charges back for this year!! now he aint taking that but do we write back and say this and still go ahead and issue LBA tomorrow?

[JMio]

Vampiress' spreadsheet (in Bank Templates Library) can work out the interest if you're looking to claim this as well.

 

If / when it reaches the stage of a Claim being raised (although NOT before then) you are able to claim an additional 8% interest from the date of each charge, again the spreadsheet in the Library will sort this out for you.

[ecobabe]

thanks, it probably won't amount to much anyway on this claim and maybe being greedy!

[goforit]

Vampiress' spreadsheet (in Bank Templates Library) can work out the interest if you're looking to claim this as well.

 

If / when it reaches the stage of a Claim being raised (although NOT before then) you are able to claim an additional 8% interest from the date of each charge, again the spreadsheet in the Library will sort this out for you.

 

No. Claim contractual interest from the date of the charge (the date the cause of action arose).

[JMio]

That's not what I said.

 

If the claim was successful, THEN the additional interest of 8% on top of all charges is awarded by the Court, on top of the refund of the Court Fee.

 

It is possible to claim back any debit interest incurred as a resuly of these charges taking you overdrawn, but many have found this to be a complicated process and often leave this out of their claim.

[ecobabe]

I have 2 different accounts with BoS, one has got quite a lot of charges, the other not so much. I am just starting the preliminary letter stage, but can I do both accounts at the same time? or would this be seen as same claim even though it's different accounts ie easycash and current account?

[MARTIN3030]

yes you can do the two together as long as they are both in your name.

In the temps letters just change the details to provide for both account numbers.

[ecobabe]

so they won't try to put claims together and take it over limit for small claims (£750 in Scotland)?

[MARTIN3030]

Oops yes of course........I didnt know you were doing a Scottish claim.

Better then if you split them.

Theres no reason why you cannot have them running side by side.

 

Your dpa request covers all info so you should get all that under 1 application.

However from the prelim onwards you should keep them sep.

a pain I know but like you say ...............

[ecobabe]

Hi, i've got a couple of BOS accounts. one is an easycash account. according to BOS website there is no contractual interest rate is that right, or am I stoopid? (don't answer 2nd part!)

[mar10funster]

It states the interest rate is 'Unavailable' which suggests to me that on that it is not possible to get an Overdraft on that account.

 

I can't think of any other reason why it would be marked 'unavailable'. All the interest rates for unauthorised overdrafts are roughly the same give or take 1%. 28.8% or 29.8%

 

If you got an overdraft on your account its possible they changed the type of account you have.