Exactly what i was thinking mixman:confused:

The funny thing about that is we did do it ourselfs but they knocked us back and left us no alternitive but to go through the FOS lol. Im a bit concerned about this case thing that is happening:confused:, but theyve offered this and weve accepted so they cant go back on there offer or can they?

Hi Glad it helps:) You know what picture im getting is that if you put down in your first letter to the bank the amount plus the interest straight away then when you send it of to the FOS with the interest added to the charges you are claiming, then they hit the bank for that amount, if any of that makes sense? And also to let you know that we phoned the bank to ask where our money was as it has been over 2 weeks now and they said that they have just received our letter of acceptance. My partner asked when will we get it and they said it would take upto another 4 weeks because we went through FOS, and that if we done it our selfs they said it would have only taken 2 weeks. In my opinion theyre talking rubbish, what do you think? Thanks bigyin

When we filled out and sent the form away to FOS we also sent a copy of everything we sent to the bank to them as well, and on the letters when you put down the amount we put down the interest as well. Here is what we sent to the bank and a copy also went to the FOS. "Bank Of Scotland Dear Sir or Madam, Re. Account number: I am writing to request that you repay all the default charges that have been applied to my account. I do not believe these charges reflect the true cost to the Bank of Scotland of going into unauthorised overdraft. The charges total £8600 plus as I believe I have been unlawfully deprived of the money I have calculated £1745.85 interest at the statutory rate, the amount the court will award. I therefore ask that you repay me the full amount of £10345.85. I have attached a full schedule of the charges and interest with this document. I look forward for a full response to this letter within 14 days. Yours faithfully," To be honest i think we screwed up the interest bit but heyhoo. Does that help anymore or?

Hi miz_print Well done:D Have you got your money from them yet? The reason i ask is the bank have had our acceptance for over 2 weeks now and theres still zulch in our accounts:confused:. We were on the same timescale as you so just wondering. Happy spending if you have it Thanks bigyin

LOL ive not bumped you folks just been busy with work:D. My partners amount was £8600 before interest but from the begining she claimed the amount plus interest, the bank have never disputed the interest and when she filled out the complaint form for the FOS she put down the interest there as well and the bank came back with an offer of £9893 which i roughly work that out as 14% interest;). Hope that helps Caro. We are really annoyed now that we still haven't our the money yet, that is over 2 weeks now at least:confused:.

Thanks Bigmac Yes it was through the FOS, the questions they were going to ask the bank were good and to the point:). Yes my partner and i are both making donations as soon as the money comes through:D, which brings me onto my next question, does anybody know roughly how long it takes to get your money of them scoundrals? its been 2 weeks now and im sure someone told me its normally within 14 days does this ring a bell? Thanks bigyin

Hi folks, Well its been a while since ive spoke but just thought i would let you guys know that my partner and i both received offers from the bank with interest so weve both accepted, but was wondereing how long you think it takes to get paid into our accounts? as it has now been almost 2 weeks now for my partner. thanks bigyin

hi sarahmoon, my partners claim is for about £8600 before interest so i think mcol might be no good, worth a thought for mines though. Also i am over in my account by £100.54 (all charges), but when i checked my account online today it says i am at £0 and that a "cash" amount of £100.54 went in on the 17th May, but it also says that my account is "service only enquiries". I think theyve put money in and closed my account, what do you guys think? Really worried now i dont even have an account anymore. Thanks bigyin

Hi guys, just an update to my partners case she has had a final letter from the bos saying theyre within in their rights to make the charges and basically she will be getting nothing from them, they didnt even make an offer to her:(, what i cant understand is how r some people getting large sums back from the bank and not others? Are we now ready for the FOS as this is there final offer? you wouldnt believe how livid i am at the moment:mad:. thanks bigyin

Hi Dusary, Thats what i thought when i heard it but im thinking she maybe referring to people under £1500 mark (not us big timers ), who knows we shall see. Ill try and find out more. Hope ive not said to much mmmmmmm:rolleyes:.

Well what can i say the response has been great guys:). Sea-Sidelady - id be interested to see what your friend finds out about the scottish system, not because of just the bank charges now but because im so wound up im going through our credit cards aswell;), and im going to keep hitting the bank for any other charges i get until they lower them. thank you. Bigmac versus - thanks that is what i really needed to hear, now i know exactly what to do. we have about 2 weeks left for there final reply (offer ) but ive got a feeling they will not give us anything ( just a hunch ), but i defo will go down the fos route at the end of 2 weeks. Thanks. Will be making a donation to you guys when they settle because if it wasnt for you i would not know what to do and probably give up. Thanks once again to all. Oh i almost forgot to say a friend of a friend is studying and they are studying beside someone who has been drafted in to help HBOS with the charges, they said that people will defo get all there money back if they take it all the way and not to settle for less ( from the horses mouth ), they also said that they are extremely busy and when people give them deadlines they cant stick to them ( not that they wont ). Just saying what i heard, hope it helps anyone. This should have been in the scottish forum aswell. Just a thought:).

Hi sea side lady, The english address is a good thing to do but my wive has over £8000 in charges and i under £3000, my concern is that we would have to travel to court in england probably twice if we were to split her claim up, so the cost of getting addresses in england and the cost of going there twice is all bit much for a family who is dead broke. Im not ruling it out, just it would be more expensive than going through the FOS, but then i dont know of any storys of success with people going through that channel. thanks for your reply Bigyin.

hi Dusary, i suppose a lot of us are in the same boat(with a great big hole in the bottom:D). Ive been reading a lot on the scottish forum and it seems to be that the best way for big claims is to get the final offer(or reply) from the bank and contact "FOS" who seem to be getting a lot of people there money back. I havent got any contact address in england so i cant go down that route. Failing that the last option is getting a solicitor and hoping we win:) . This seems to be the clearest way yetfor people with big amounts in scotland, unless anyone else has a different way? Thanks for everyones reply its appreciated. Bigyin

Hi Dusary, thanks for the response but i suppose what im worried about is the fact were both over what we can claim at "small claims"court, which by the sounds of it on here were looking at going to court with solicitors etc.... and to me and the wife thats a we bit scary and daunting for us. Weve got 2 kids and ive just started self employment so money is very:o thin on the ground to say the least (hence why court scares us). Were really stuck at the moment as to what to do next, As it stands now ive another £100ish in charges just from last couple of weeks. Phew this is stressing:| Thanks again guys.