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Halifax didn't send me the 8% interest for my claim either. Sent them a letter asking if I was less important to them than the English customers who got 8% interest. Didn't take long for them to add the interest into my account. Worth a try, I'm sure they'll pay up. Good luck with 2nd claim!

BoS completely ignored my claim. Just make you contact court on any date they've specified and someone will help you. From my experience the courts are very helpfull- willingy to give idiots guide!

Hi Fruitycar, Might be worth sending letter to BoS about interest for first claim. I've just received the interest on my claim after asking whether as a Scottish customer I was less imporrtant to them. They even added some extra money on as sort of apology. Worth a go

Good to know you got 8% interest as Halifax are trying to get out of paying me this. Get the feeling HBOS will try the same with my BoS claim. At least I have ammunition now I know they do pay out sometimes! Good luck with your other claims

Well Bank of Scotland decided not to respond to me so maybe Halifax trying this tactic too! Im in Scotland so never got to be "one of the lucky few who gets to hit that JUDGEMENT button" although i am intrigued. Sounds much more exciting than simply writing to the court. Good Luck

Yeah, wasn't sure about going to court for interest. Got the feeling I'd be told to go away! Will let you know if HBOS get back to me though.

Fruitycar, Take it HBOS didn't pay the interest for your first claim? I have the same problem, got charges back but no interest. Sent them a letter the other day asking if I was less important customer than those in England as they seem to pay interest to English claims but not Scottish. Should be interesting to see what they say, hopefully a nice deposit in my account soon! Good Luck

When I claimed against Halifax I heard nothing until just before return date! They seem to be taking their time. They sent me a letter with usual cheaper to refund me than go to court and put the money straight into my account. They did put full amount in straight away as well as court fee

As far as I can make out it's best to do them at different times. If bank contacted court they could ask for both to be dealt with at same time. Seems unlikely that bank will go to court but if they do and it's not small claims you could be liable to pay them expenses etc... I've filed my halifax 1st and will wait for money before filing halifax visa or bank of scotland claims just in case. Better to be safe than sorry!

Yeah, charges will still be unlawful (unless they take what OFT said to heart and start charging fairly- ha ha...) They keep trying to get customers to sign forms saying they will not complain again about charges etc... You'd think that a business with a (presumably) big legal team would know you cannot sign away your rights even if you want to. If they continue to charge unlawfully loads of people will continue too ask for money back

Congratulations! Can't believe they got back to you so soon- filed my claim at court on Mon and still heard nothing. Given me hope that they'll deposit money next week (fingers crossed!) Congratulations again

Think BoS are getting scared and ignoring e-mails now. I had to send a letter too as they said they had no record of e-mail. I of course do so never changed date when I sent the letter- off to court on Mon to file another claim!

Good on you going for full amount. I know how you're feeling though, banks are useless at this. I'm sure they don't even read half the letters as some of the responses I've had have been nonsense. Would be so much easier just to give us the money!!!!!!!!!!!!

Was thinking about that myself, seems unlikely the banks would ever win even if they did go to court. Sods law though, just know I would be first they tried the whole court thing with. Might try fruitycar's idea though. Take them to court for 1st lot then call them and see if they want to just give me the 2nd.

Have to agree about that! Let's all move to England. My BoS claim is £802 to make sure I get that £52 I'll have to make two claims (bums!)

Halifax Visa sent me same stuff. Basically one letter saying OFT could be ignored till 31st, go to ombusman if unhappy. Well I am unhappy but going to court instead (may even look into EX160A form that blasthebank suggested!) Good luck

Congratulations! Makes me happy to read things like this. Hopefully they put some money in my account soon!

Thanks daniel_r_clarke, will definitely look at RBOS. Figure all banks going to be about as crap as each other too but £100 sounds good!

Quick update: Did get BoS statements and still waiting to hear back from them. Halifax visa sent me e-mail saying " We have received the details of the OFT findings and are studying those findings closely, assessing the impact this has on all of our customers. There is no change to our current fee refund policy and we do not expect to make any announcements before the 31st May...I trust this clarifies the situation, Should you require further assistance, please do not hesitate to contact our call centre on the above number." Well obviously just sent them LBA and they have until tommorow to get back to me. Halifax claim has gone to court yesterday (should have been couple of weeks ago but I'm skint so couldn't afford the £39.) I f nothing else at least I'll get interest now (fingers crossed!)

yeah, i've had same sort of problems with BoS. Sent my statements in two lots as well. Chances are you're not going to hear much after 1st letter either if my situations anything to go by. Still I see they have paid to others now which is encouraging. Good Luck

Have finally got B of S statements- yeah! Letters requesting £750 from B of S and £350 from Halifax visa now sent. Halifax have just sent their third letter telling me they will not repay charges for last 6 years. Funny, I've only had account 3 years and never mentioned 6 years in any letter (a new automated letter in use now!) They did offer me £50 and £150 but I asked for £450. Going for a fun morning out to the court tomorrow to file claim. Hopefully get money back soon got to get wedding present for my cousin.

Well, got home to find postman left nothing for me! Away to read up on I.C. so I can complain. Phoned Bank of Scotland to let them know and was told statements should be here today. Don't believe a word they say anymore. Just want money back and accounts closed

40 days are up today! Mentioned this when last called- nice woman assured me they would be here (hope she wasn't lying.) Postman will probably come after I've left for work so won't find out till tonight. Will definitely report to I.C. if don't get them

Well, still not got statements from Bank Of Scotland. Get different excuse each time I call. Should be here tomorrow apparently (won't hold my breath!) Halifax seem to be bit quicker. Have just had letter offering me £75 goodwill gesture. Rather generously they provided pre-paid envelope in which I sent my refusal and gave them 7 days to offer me full amount. Apparently they tried to call me but as they called my parents house I was 'unavailable to take (their) call.' In my letter I also pointed out that any future calls should probably be to my current number not my previous number. Sometimes I wonder wether they pay attention! Pleased to see lots of people getting charges back now, hopefully won't be long now!