Got the spreadsheet. Whilst putting them into the spreadhsheet, Ive noticed most of the 28 pound charges are 'account maintenance charges' just to double check - I can claim these back cant I??

OK finally got my statements sent through again and I need to do this spreadsheet thing so I can send it to the sherrif court - does it have to be a spreadsheet as Im not very good with excel or can you just list the charges with the date beside it? If it has to be a spreadsheet - can anyone send me their copy and I can chage the figures/dates in it?

I know but Im sitting here diddling my thumbs whilst waiting for these statements to come through so I might as well try something rather than do nothing? See if they'll cough up the full amount if they see im serious about going to court. Aaah its worth a try, Ill send it off today and see how it goes

Good stuff, thats the one I filled in. Any chance I can email you it so see if its been done correctly? Dont want anything else messed up, Ive made a pigs ear of it as it is!! Sooooo, should I send a copy of the claim form to BOS and say if I dont received a full refund in 7 days, Ill be sending the claim to the courts? Might as well chance it while Im waiting on those statements anyway as I cant send papers to court without that bloody spreadsheet of charges!

Quick question - that N1 form is different from the one printed off from the courts website which says 'Form 1' Summary Cause Summons Which one do I use?

Received a letter when I got home yesterday offering me 668 pounds. Shall I reply declining it, enclosing a copy of the claim form or just go straight ahead with the claim? Time is not on my side - Im outta here in 7 weeks! Lets say for talking sake I sent away my claim to the court today - how long roughly would it take for the hearing date?

Good idea, might as well do that whilst Im waiting for the 2nd lot of statements to come through. Sent 3 emails to them ($CustomerRelations@HBOSplc.com) as well and got no reply but got 3 read receipts..........hmmm....... Funny how when the tables are turned they dont want to know!! If it was me owing them 1300 I wouldnt hear the end of it.

Nope, still waiting on them

No response to my letter sent 2 weeks ago declining the offer of 222 pounds. I called the fife number to ask if anything had been sent to my old address (moved house recently) and was told by the operator that nothing had been sent after the last letter from Elaine Brown offering 222 pounds back. So Ive no choice but to take this to court now, grrrrr, they had to make me fight it all the way and Im leaving the country December 1st for a year!

Great, so they have to pay the money to the account you requested or is there any chance of them refusing and crediting it to the overdraft?

OK Im in the middle of claiming back 1321 pounds from BOS. I have 2 accounts with them - the current account which Im claiming the charges back from (currently 1100 overdrawn from 2 years ago, which I was paying back at 30 pounds per month till I started my claim) and my other current account which I now use for my wages/withdrawls. If/when they do refund my money in full - will they do it to the overdrawn account, therefore only leaving a balance of 221 pounds or can I ask for it to be refunded to the account I use every day, as Im going travelling in december and 1321 would REALLY help me out as Im struggling to save Ok it wasnt that quick a question but does anyone know where I stand? Thanks.

Thanks, Im sending the letter off just now

OK and fill in the acceptance form? Not sure if I should incase they write back and say ok you accepted the 222 by sending back the form and thats all your getting kind of thing! So just write them a letter telling them I'll accept that as part settlement and if this is not viable, ill be proceeding to court? Thanks Mairi

bump no advice? if im going to post them a letter, need to do it in next hour! any help would be greatly appreciated!

Havent sent away the court papers yet but got a letter from the bank on Friday offering me 222 pounds back. Shall I reply declining the offer and tell them they have 7 days to offer me a full refund of 1300 pounds or I'll pursue it through the courts, or shall I just go ahead & send my papers away to the court? Im thinking maybe the former option because I kinda messed things up a bit and dont have the spreadsheet of charges to send to the court, which they are requesting I send with the claim papers (should of made a photocopy before sending them to bank) and have had to request my statements all over again so I cant really do anything till I get those anyway. Any advice would be much appreciated At least we're getting somewhere now!