hi folks, i need abit of help here, sent my dpa request in to hbos and got all my statement back, in total disarry i might add, and tallied up my charges. In total i'm owed £1200, my quetsion is before taking further action is would i be better going down the small claims route or summary cause route if and when i get there.

nice one, should set the cat amonst the piegons lol, but really it should be the fat cat's at the top that get threatened.

good luck

good luck to all concerned, i'll watch this space

Hi folks just a quick post here, got £425 from the bank of scotland credit card which i have agreed to accept so that's that closed. I'd like to thank the site and all those who have gone out into the unknown and taken on the banks and won for their support and facts. Thanks again, Now for round two and take them on about my bank accounts lol. Plus taking on the Llyod's(is that how u spell it??) for my mother once i told her what happened.

i like the new spokesman, cheered me right up lol

Had a nice letter waiting for me yesterday when i got back from visiting my sister nr lockerbie, the bank offered me half of my charges back, a total of £212 even though i'm claiming 512 against them. Even included a form saying i've settled in full and won't proceed with further action against them, phoned them up, totld the poor customer service rep that their offer was insulting, that i'd only accept it as part payment and that they had 6 days to go before i take further action. Told them i would only accept full refund of charges and if they are not prepared to do that i'll see them in court where it would cost them more to settle than just giving me the cash lol. Will keep updating here and let you know how i get on. Andy

got a reply from the good old bank of scotland today, and i'll quote it for all the avid fans of banks here. Dear Mr Darling, I am writing in respone to your letter dated the 30th 2006. Naturally i am concerned you have found cause for complaint and from the outset please accept my apologies for the inconvenience this has caused. To Summarise, you are requesting the refund of any default charges applied to your account in view of the recent media coverage surrounding the subject. Following publication of the OFT's report on industry-wide credit card charges , i can confirm that HBOS is reducing it's default fees- although it does not support all the OFT's findings. HBOS Disagrees with the legal analysis of the default fees outlined in the OFT's statement published in april. However, the group confirmed 2nd june 2006 that it will be reducing fees across it's credit card product range to £12 with effect from 1st august 2006. And until that date all existing terms and conditions will apply, so unfortunately no refund of charges is due to you and the default has been registered correctly as a true and accurate reflection of how the account has been maintained. I trust this response has clarified our position and resolves this matter for you. I enclose a copy of our complaint procedures and all the usual rubbish. Liam Pollitt Customer care manager. Now that i have a name and i'm going to let mister pollitt get both barrels and let him know excately what i think of his kindly worded letter telling me that HBOS isn't interested in my petty little concern and to get lost. Already phoned them up and told them excately what i thought of the reply to my concerns and it has been noted, the letter following it up should get them a little more interested.

I posted off my first of many letters to the bank yesterday using the excellent templates from here, so after reading so many posts and knowing what i'm getting into and the support i will recieve from members here, doesn't make this challenge as daunting. i will keep posting everything i get from the bank and will see them in court maybe. Thanks again. Andy

hi folks, just joined and i have just sent of my first letter to the bank of scotland, concerning my charges on the credit card i have with them, didn't even have to pay for the statements lol. used the letter template for my first letter from this wonderful site, been a real eye opener Andy