I do not have to sue them for the $8k. They have been returned 1 year ago. Now I want to know why this has happened and I want compensation for the anxiety caused, my time lost to deal with this and interest on my money,

I have finally received the final conclusion of Ombudsman and they are not upholding my complaint. Please let me know what do I have to do to take BOS to court.

May he rest in peace! Done. You can leave my name.

BoS's reply is below. They do not seem to understand that I'm complaining about unfair treatment. I guess I'll go to Ombudsman now.

To be honest, I do not care if it happens again with this bank as I will not bank with them again.I would prefer that the person responsible for all this will loose their job or BoS to receive a hefty fine. I would also like to know on what legal grounds have they acted like this.

Thank you for your comments. For me it is just as important to be told why this has happened as the compensation. I will not settle just with the compensation and no answer as I will still live with the fear that this happens again. I have reformulated the last paragraph:

I have (finally) prepared the letter. Please let me know of your comments:

I'm ok to claim an amount below £5k. Considering that the bank did not offer an interest in the terms and conditions for this kind of situations, what amount shall I claim for interest and what amount shall I claim for my (our) time? Do you have an example of the letter that I should write to the bank? Regards!

Does anybody has an advice on what to do next?

The credit card that I hold with them since they've opened my account has a 26.8% interest. They've insisted back then to give me a credit card then although I didn't want it. I've never used it. calculated interest at 26.8% (compounded annually) = 5848.25 GBP calculated interest at 26.8% (compounded monthly) = 6796.93 GBP Otherwise, according to their website: http://www.bankofscotland.co.uk/bankaccounts/interest-rates-fees/ they charge 19.3% EAR variable + 5GBP/month. calculated interest at 19.3% (compounded annually) = 3982.34 (interest) + 31 * 5 (fee) = 4137.34 GBP calculated interest at 19.3% (compounded monthly) = 4413.81 (interest) + 31 * 5 (fee) = 4568.81 GBP

Thank you for your help. I couldn't have done it without you. I have found these links: http://www.consumeractiongroup.co.uk/forum/showthread.php?255530-How-do-you-calculate-Compound-Interest http://www.consumeractiongroup.co.uk/forum/attachment.php?attachmentid=9349&d=1243721002 (from this thread: http://www.consumeractiongroup.co.uk/forum/showthread.php?201984#post2198541) I'm not sure what interest rate should I sue: At 8% the interest would be: 1512.48 At 26.8% the interest would be: 6836.29 I would charge them for the time wasted on this matter 4000GBP. Regards!

Hello! Unbelievable! BoS has returned my money today. I still do not know the reason why they blocked my account or why they put a hold my money. One thing is for sure: I will never bank with this bank or their affiliates again! I want to find out why this has happened, in court if needed. I wouldn't be surprised to find out that it is a similar reason of what happened in this case: http://www.bbc.co.uk/news/business-18540832 I would like interest on this amount, considering that they kept them 2 years and 7 months. Any idea what interest I can claim? If I am to use BoS's interest rate for their customers (26.8%), it would be 6836.29 GBP interest. Can I claim any compensation for the time I spent to deal with this matter and/or damages? Since I wrote in the forum last time, I have sent them several letters to which I've received ostentative answers and then, suddenly, they found "a trace" of my money and wanted to return them as soon as possible. I am amazed by their anwsers which I would resume to: "Thank you for contacting us, Yes we've stole your money, we're not giving it back, there's nothing you can do. F..k off, do not write us again! We trust that this answer was satisfactory and solves all your problems.". Here is what I wrote and what I have been replied: My letter, sent on 15/02/2012

I have already wrote them to challenge the SAR but they replied that they have already sent me everything that they are obliged by law. I have no problem waiting one more month. But how do I take them to court next month? I have not made a CIFAS complaint. Do I have to do it? I would prefer not to and take them to court as soon as possible as I'm quite fed up with this already. Regards!

Hello! I have received the replies from both Bank of Scotland and FoS regarding my Subject Access Request. They do not contain any information regarding why BoS blocked my account. What can I do now? How shall I take them to court? Thank you.

I am thinking of changing the letter to BoS regarding Subject Access Request so I do not consider them in the breach of SAR so they will be obliged to send me the documents. Please tell me what do you think about the letter below: Regards!

I've prepared 3 letters: 1st to BoS - Subject Access Request Team 2nd to the department that sent me the terms and conditions: 3rd to FoS: Please let me know if there is anything to change or add. I await your reply before sending them. Regards!

Do I need to tell BoS why I think that they have not complied with my SAR or not? Shall I give them examples?

Great! How do I take them to court then? Thank you. I'm doing this right now. Is there a penalty for not complying with my SAR? I don't think I really need to do this as I already know aprox. what BoS wrote to FoS from BoS's internal notes.

I have received today the reply to Subject Access Request from BoS. There is no document specifying why my account has been closed. There is a list of my inquiries with the bank and they appear to be incomplete as they refer to a message which is not in this list. There is a list of messages with FoS. They told FoS that according to 25.1 of the Terms and Conditions they have the right to stop the customer from removing funds from the account. Funny enough I just received the Terms and Conditions from them in a separate letter and there is no 25.1, the last condition being 20.12. They've also told FoS that they blocked the account and put my funds into an internal suspense account. It appears that I have contacted the bank asking why my account has been blocked and 2 days later they removed all the funds from my account with the mention "To close". Please let me know if you have any advice on what should I do now.

I am considering legal action but was hoping that they will raise the threshold for small claims court. I'm also waiting for the reply on my subject access request.

The terms and conditions: There is also this paragraph: I think that they might refer to 15.1: outside the terms of the Agreement between You and Us', and to 6 - Internet service terms and conditions. As they did not sent me the Internet Service Terms and Conditions I cannot know if I broke anything from there. Any suggestions are welcome. Regards!

Yes, this is correct. I've received today the reply to my formal requests. I think this is the most outrageous letter that I've received from them yet. Please read below and let me know if you have any suggestions.

HBOS plc replied: I wonder what this means. Are they stalling or really not able to find my information considering that they've just sent me a letter regarding my account 15 days ago? How are they supposed to give me all the data that they have about me if they can't find my name?

I've sent the letters. If they ignore me again, can I send them a statutory demand?

I intend to send the following 3 letters. Please let me know if there is anything you might like to add: To: Financial Ombudsman Service South Quay Plaza 183 March Wall London E14 9SR Subject Access Request Dear Sir/Madam, I am writing to make a subject access request under the Data Protection Act 1998. Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. For identification purposes, I am also attaching a copy of my driving license. To: Mr. Hughes Bank of Scotland plc Customer Relations Trinity Road Halifax West Yorks HX1 2RG Subject Access Request Dear Sir/Madam, Sort Code: ACCOUNT NUMBER: I am writing to make a subject access request under the Data Protection Act 1998. Please supply me with copies of all the data which you hold on me in relation to any matter and in any form and for any period of time. Please note that I require disclosure of any personal data which you hold on me for the entire period of my dealings with you. The Subject Access is not limited to my transaction history and it is not limited merely to 6 years of historical information. Additionally, where there has been any event in my account history over this period which has required manual intervention by any member of your staff, or any other person, I require disclosure of any indication or notes which have either caused or resulted in that manual intervention, or other evidence of that manual intervention in relation to my banking business with you. If you are unable to supply this data because there has been no such manual intervention, then please be so kind as to confirm this in your response. I enclose the statutory maximum fee of £10. You have 40 days in which to comply. As it is your wrongdoing and mishandling of my account which has created the necessity for this Subject access request, I shall also be reclaiming the enclosed £10 Data Protection Act Subject access request fee. If there is specific information which you require in order to satisfy yourself as to my identity, please let me know by return. However, please note that the above address is the one which you normally use to communicate my private business to me and which you have hitherto found to be acceptable. For identification purposes, I am also attaching a copy of my driving license. Yours faithfully, To: Customer Care Citymark Third Floor 150 Fountainbridge Edinburgh EH3 9PE 29/12/2011 Dear Mr Carson, I write your regarding your letter date 16th December 2009, your reference __/__/_____. For your convenience, please find attached a copy of this letter. You have blocked my account citing that you are able to do so as per the terms and conditions. However, as I have never been provided with a copy of these, would you please send me a copy in order that I can check for myself, as obliged by Payment Services Regulations 2009 Also, please point out the actual section which allowed this blocking of my account. Would you also please be so kind and transcribe the section concerned. I would also like to make a formal request for an update and if you can give me any more information at this time. Considering that two years have passed since your block I would like to ask you to review the conditions that have caused the block and decide if they still apply. If they do not, I would like to ask you to release my funds immediately. This is also a formal request to inform me if you have informed the police of any suspicions you might have and if so, please provide me with a crime reference number.