can some1 tell me the way i should go abt filing at court pls ?

still no reply from lba they have until wednesday to give me my money.I dont think i will hear anything from them so it does look like a court case is on the cards time for some serious reading up abt this stage .Thanks for all ur support

sent my lba on 16th as i had a few problems with internet and printer and stuff so that delayed things a little.Letter sent recorded delivery this time so i knw they received it yesterday,so 13 days left before court action.

And how i cant wait for that day:D:D:D i would even happily go to court just so i could tell the judge abt the way i was treated yesterday.

yeah accounts r in the process of being closed as this isnt the first time they have took all of my working tax credits in 1 go (caused me to fall into debt with local council been threatand with eviction) Cant believe a big company like this would be like that when i said close my accounts they just said yeah ok no insentive to stay with them atall.I feel like i have been robbed and they were laughing at me.

Went to local branch today to try and get money out from my isa they had to phone some other place to c if they could get the stop on my account lifted was told that the only way that would happen is if i cleared my £105 unauthorised overdraft first i said that i couldnt afford to do that today as they had already taken £188(working tax/child benefit tax) from me today i tried to explain i needed the money to buy food for my 5 children they were having none of it,in the end i told them to close all 3 of my accounts and give me my money i ended up with £66 so bos have taken £400 from me today.i am so angry and upset surely they could of came to some arrangement.Now i cant wait for the next stage.

Now i mean business 14 day deadline up today so i will be at the post office at 9am with my LBA ready to post.Cmon BOS bring it on

*UPDATE* Had reply from bank today it just says, Thank you for your complaint. we are sorry to learn that you are unhappy with the charges debited to your bank account.Please note the handling rules set by our regulator,the financial services Authority,gives us 8 weeks to investigate and respond to complaints. Our commitment to you is that we will respond to your concerns at the earliest possible opportunity.However,we want to ensure the issues you raised are thoroughly investigated.If,for any reason.we are unable to respond fully to your concerns within the next 4 weeks we will write to update you of our progress. Is this the standard letter everyones been receiving?and do i send LBA to the address thats stated on the letter?

heres another idea open an account at another bank get ur wages paid there and there u go back in control of ur money

I was told by a member of BOS that there was no way i could over spend on my debit card therefore needant worry abt the prospect of debt i was told "if there isnt enough money in your account then it wouldnt get paid" therefore no debt,so i signed and now heres how the story ends im in debt all thanks to going to Asda and buying a few bits that came to £4.99 using my debit card i get hit with a £30 charge and £28 a/o just because there wasnt enough money in my account and because they took that from me there wasnt enough for a couple of dds and so it goes a downwards spiral so tell me how do u get out of this situation when u have been told by what should be a well informed member of staff that u wont get into debt using a debit card.

They said it was cause my account was overdrawn and i said that it wouldnt b if they stopped with the charges,its a no win situation as far as i can c. They r getting wise to the refund thing so now have decided to stop accounts that way they cant apply anymore charges. BOS JUST GIVE ME BACK MY MONEY.

i took out insurance for my mbl over 18mths ago never claimed until today,my phone fell and broke in 2, so i phoned 3 as this is who i thought was receiving money from me for my insurance they gave me another number and when i tried calling them all it says is "welcome to customer services all our ops r busy with other customers pls hold the line"then it cuts off.I feel like im being done over they have had abt £80 for phone insurance what can i do?

can u believe this had a phone call from someone from bos they have put a stop on my account grrrr So i called customer relations to c if my letter has been received it has and they have sent me a reply stating that they r looking into my complaint and have 8 weeks to do so. Do i send LBA now or not??

had no word back from bank and they should of received letter(that was sent on the 26/3/07)letter stated that i wanted a reply within 7 days,if i give them the 14 days that takes us to bank holiday monday.I have tried to be positive but there seems to be so many obstacles now. Although i will wait til the 10th before i send LBA just really hope i havent got to wait 8 wks for a reply and i really dont want to go to court.I just want my money and it seems like now everyones claiming charges back you have to wait a long time.

bump

was told by a rather unpleasant guy at the bank today that they have 8 wks to respond he also said that they dont have to reply within the timescale i set as they havent signed t's and c's with me.Now what do i do?stick to waiting til the 9th for a reply

Thanks for ur help change it,i actually feel like i knw what im doing now:) I should receive something by the 9th,if not send LBA with copy of monies owed,that correct? Funny thing is the longer they keep putting it off for the more money i ask for back they keep sending me charges,they seem to b quick enough to do that.

whats the schedule of charges?didn't i already send that with my first letter?i sent copies of all charges should i have done that?

u should say no to the first offer and continue with court action apparently i would say they answer by letter suppose all offers need to be in writing,im new to this 2 but thats what ive picked up just by reading other threads by ppl who won.Good luck

Just to keep u updated I thought i would give the accounts enquiries a call just to c if they had received my letter,spoke to a nice lady named Jackie there was nothing to say that my letter had been received she said that i could be waiting for up to 4 wks for a reply due to the "media hype",she advised me to phone back on monday to c if letter has been received.Heres hoping

yeah it was the mound that i sent the letter to,so do i wait for 7 days(like my letter stated)or do i give them 14 days?

thanks guys just to let u knw that i started another thread in the banks bit if that makes sense its chargebuster1 v bank of scotland

omg....how stupid am i,i didnt sent letter recorded delivery and i sent it to some address in edinburgh...its going to get lost i just knw it:( oh well suppose i can start again by using this site really should of done more research bt the guy at the local money matters made it sound so easy...if only

thanks for ur support jd im sure i will be fine now im here it just seems so daunting now ive actually started the process.Cant give up now tho can i?its my money and i want it back

hi started the process on monday although now i feel like i jumped into the deep end a bit sent a letter asking for over £800 to be refunded sent another today cause i had a nother £350 of charges in just 3 weeks have asked for a reply within 7 days mayb i should of given longer i dont knw,seemed so straight forward at the beginning now i am unsure,what do i do next?