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My small claims case against BOS Visa Card had gone to court without them saying they would defend. The day after it was called in court they sent me out a payment for the charges £630, a small amount of interest (£1.05) and £39 court expenses. The letter they sent actually said they had contacted the court saying they intended to defend the case but decided to pay up anyway. The court had not heard this intention from them. However I have since received the 'Extract of Payment' from Dunfermline Sheriff Court and they have awarded 1. the amount of the charges. 2. Interest at 8% annually. 3. £134 expenses. What should I do now and how do I work out the 8% annually? I phoned the sheriff court and asked how they had worked out the court expense and they said without checking it that I must have been awarded other costs! I am confused about the costs but would also appreciate advise on how to word letter to BOS given that I have already received a substantial amount already although they are obviously at it with the interst.

My small claims case against BOS Visa Card had gone to court without them saying they would defend. The day after it was called in court they sent me out a payment for the charges £630, a small amount of interest (£1.04) and £39 court expenses. The letter they sent actually said they had contacted the court saying they intended to defend the case but decided to pay up anyway. The court had not heard this intention from them. However I have since received the 'Extract of Payment' from Dunfermline Sheriff Court and they have awarded 1. the amount of the charges. 2. Interest at 8% annually. 3. £134 expenses. What should I do now and how do I work out the 8% annually? I phoned the sheriff court and asked how they had worked out the court expense and they said without checking it that I must have been awarded other costs! I am confused about the costs but would also appreciate advise on how to word letter to BOS.

I have just had success of a kind with BOS credit card. I can't remember off hand but I think the charges have always been high about £25-30 for BOS. They did let mine go to the court stage and speaking to others on this forum that doesn't seem too unusual for a BOS/Halifax credit card claim. I am still waiting to actually receive the money, hopefully it is in the post today and they haven't paid the full interest on the charges but that is another story!

Yesterday I received the following letter from BOS, Legal Services in Halifax which I will extract from "I have received and have been dealing with the proceedings which you have issued against The Governor and Company of the Bank of Scotland in the Dunfermline Sheriff Court." Then follows the usual about you knew the T & Cs which you accepted. Then "I have returned the form of Acknowledgment of Service to the Dunfermline Sheriff Court indicating that the Bank of Scotland intends to defend your claim." It is very funny that as when I contacted Dunfermline Sheriff Court on the day after the return date (April 11th) they had received nothing from BOS saying they intended to defend. Surely the BOS haven't got that wrong. They then go on to say "However, on a purely commercial basis, it will cost the BOS money to defend your claim in terms of legal costs that will be incurred. It is unlikely that the BOS will be able to recover these costs (even if the bank wins) because your claim will probably be allocated to the small claims track, in which costs are not generally awarded." You would expect them to be at least a little bit clued up on the Scottish legal system by now. It was a small claims claim they received. Anyway the letter goes on to say they will pay the amount in respect of charges, the court fee and interest of £1.05. I have no idea where this comes from as I asked for the usual 8% and the charges date back a few years. They have subsequently paid the refund of charges and court fee into my credit card account and there is no amount for interest added. Unfortunately because they paid the amount into my credit card account I now have to wait 7-10 days to have it converted into a cheque. Not sure what to do about pursuing the interst payment but will probably wait until I get the papers from the sheriff court. What do you think?

It took about 2-3 weeks for Dunfermline Sheriff Court to serve my small claim on BOS. Then the return date was about 6 weeks away. Hold on in there, it will be worth it.

Thought it might not be straightforward. Have you tried contacting them by phone or email, or is that a waste of time?

Have just contacted Dunfermline Sheriff Court as return date was yesterday (April 10th) they have had no reply from BOS card services, they will not be defending the action. They said I should write a letter to the court rather than still having to appear. Has anyone else been at this stage and how long will they take to pay what is due?

Yes I have had two claims settled. I still had to raise a small claims action for the second one but they settled at the same stage, a few weeks before the return date. I am now awaiting a settlement of my BOS visa charges. I have raised a small claims action for this too! Good luck hope you don't have to wait too long!

At what stage do BOS visa normally pay up. I have filed small claim at Dunfermline Sheriff Court and the return date is 14th April. I know BOS paid up well before the return date for my current account claim not sure what to expect from Visa account as they seem to be handling things differently.

I just put plus 8% on the court paper but didn't actually work it out. Not sure what to do now might wait to see what any communication says. They are just chancing it really, aren't they.

Checked my bank account today to find that BOS had paid in £717 claimed for charges but no interest or expenses added on. Court hearing date is two weeks away. What should I do? Have not received any communication from them as yet. I have about another £800 worth of charges to claim which I will pursue once this is concluded.

I have just received settlement of my first small claim against A&L and I am ready to send Form 11 asking the court to dismiss the case. When can I start second action? Do I have to wait for something back from the court or the original hearing date?

My understanding of the small claims system is that you can only have one claim at a time. You have to wait until the first claim is concluded before you can raise a second claim. I am in the same boat and at first claim stage.

Will keep you posted. The staff at Edinburgh Sheriff Court have been very helpful so far.