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Hi, Ive not got my own thread about this. Does it matter that i didnt send the schedule of charges to the bank with my letters requesting payment of my bank charges?

also can anyone help me, i just read something about schedule of charges. Im about to file a small claim but didnt know i should send a schedule of charges, what shall i do????

Hi Mike, Its Airdrie Savings im suing too, they also asked me to meet me, i said no, then i sent them the final letter and they gave me some crap about the £12 threshold the OFT set was for credit cards and didnt apply to banks. Im now filing a small claim against them. m

hi all. Do you think i should write to the bank to say i am filling a claim now, since its been quite long since i gave them the final warning? Will it look bad for me if i file the claim now without informing them.? many thanks in advance

thank you for your help. Can you post me a link to your post, the one about filling claim form etc, as i cant find it anywhere. Many Thanks

Hi, Thank you for your help. I was actually supposed to start the claim on the 28th June as that was the deadline for the bank. Do you think i should just start it now, would it be OK after saying i would start it last month.??? Many Thanks in advance

Hi, I was just wondering, can you file a small claim in scotland online?? Regards

Hi All, I was just wondering can you file a claim, in Scotland, online?? Many thanks in advance, Laura

Hi, I would imagine the bank would deduct the amount you owe them from the bank charges they refund. If there is a lot of charges included in what you owe, this will also be refunded so they just deduct the outstanding amount of overdraft. You statements should tell you when you first went over the agreed limit, if longer than six years ago, you should ask the bank when you first went over the limit. You shouldn't negiotiate any sum that you should pay back, because the point of this is the charges are unlawful, and you should just pay back what you owe, excluding all charges. Hope this helps, not very experienced, just my own opinion. But im sure soneone will be along soon to give you expert advice. Regards, Laura

sorry:confused:

Hi All, This morning i received a reply from the bank saying: ' As you are aware, on 5 April, the OFT issued a statement advising that, in their opinion, the default charges for credit cards were unfair and requested that credit card companies review their charges against the OFTs suggested threshold limit of £12. In May the OFT announced that they would be investigating the market relating to bank charges and made it clear that the £12 limit on credit cards will not be applied automatically to bank charges.' THey then basically go on to say they wont refund my charges, that they are fair and lower than their competitors. Should i reply to this letter or go ahead and send them the letter before action??? Any help greatly appreciated. Regards

Hi All, I thought i was being too nice in my letter but reasoned maybe if im nice to them they will be nice to me. Lol, as if. I will let you all know how they reply, as the deadlines getting closer (12th). Thank you all for your help, you have been very helpful. Regards, Laura

Hi All, I have sent them a letter saying : ''I refer to your letter dated 2nd June regarding repayment of bank charges. Unfortunately, as I work full time, and have other commitments after work, I am unable to meet in person. Furthermore, I would prefer all correspondence to be on paper so I have a physical record of all communication for legal reasons. I have also been advised to remind you that the deadline to accept my request is on the 12th June. (‘I will give you 14 days to reply to me accepting, unconditionally, my request in principle and letting me know a date by which I will receive payment’.)'' What do you all think??? Regards, Laura

Hi All, Thank You for your replies. I was just looking for your opinions as i kinda guessed they were either going to fob me off or try and delay time or worse, talk me out of suing them. Sorry if i posted in the wrong place but i really dont have a clue as i dont use forums (only started using this one). I will right a nice letter explaining, as i work 9 to 5, i cant meet them unless they pay my lost wages Ha ha, as if. Regards, Laura. Ps i am with the Airdrie Savings Bank, they are a small Scottish bank.

Hi All, I sent a preliminary approach for payment, and the bank replied saying they would like to meet me to discuss. Should i meet them, and what do they want to meet me for??? Any help is appreciated. Regards

Hi All, I am kinda new to this board and read through most of the posts and FAQ's. I was just wondering if anyone was suing the Airdrie Savings Bank? Thats the bank im suing but because its a small independent bank and only has around 7 branches, might it be more difficult for me to sue?