gerryboy, Have you tried chasing the answer by telling the bank that you now ready to report them to the FOS. This worked for me. I would suggest either writing or phoning the last person who replied to your initial request. cheers p.s I started my claim in September and only got my first goodwill offer on the 1st of December

jgfchan, I never got to the stage of having to use the FOS but i did phone them to check if they would pursue my claim if they were required. What they need is for you to have been in dispute for 3 months and for you to have had a final judgment(full and final statement or letter saying charges are fair etc..)from the bank before they will handle your claim. This would be the best way for you to pursue the claim as £4,000 would require you to take ordinary action which involves a solicitor or several summary or small claims which has been shown to be very tricky to win.

Congratulations 7givenchy. Excellent news.

jgfchan, Have you tried this link http://www.consumeractiongroup.co.uk/forum/lloyds-bank/236-lloyds-tsb-contact-details.html

Gerrybhoy, I would be inclined o contact the FOS and get the ball rolling on your complaint. The ordinary action is a route i would try to avoid unil all other options are taken as far as possible. Phone the FOS and discuss your claims then contact the banks and tell them that you will pursue he charges through the FOS unless the pay up. This may get things moving. Hope this helps..

Cheers Scott. I'm becoming more inclined to accept the full and final after sleeping on it. I posted this in the Halifax/Bank of Scotland section as well.

After a long drawn out negotiation I have been awarded a full and final settlement of £7,200 from a claim of £7,405. (£6,107 plus £1,298.63 interest) The thing is that I am inclined to accept the offer but would prefer it to relate to the dates of the charges as opposed to Full & Final is there a way to do this. I think I have been quite fortunate with this claim so far as I have won a pre 6 year summary action by default and even though I live in Scotland there offer is for the period Sept 2000 to Sept 2006. Also the only reason that I would like the offer based on the dates of claim is so I can claim any charges that were levied from the account before 22/12/99 which because of the problems with second court cases in Scotland I think I could only get through negotiation with the bank which to be honest may be a lost cause, although I do like a challange:-) What are your views should I quit while I'm winning!!! Cheers

After a long drawn out negotiation I have been awarded a full and final settlement of £7,200 from a claim of £7,405. (£6,107 plus £1,298.63 interest) The thing is that I am inclined to accept the offer but would prefer it to relate to the dates of the charges as opposed to Full & Final is there a way to do this. I think I have been quite fortunate with this claim so far as I have won a pre 6 year summary action by default and even though I live in Scotland there offer is for the period Sept 2000 to Sept 2006. Also the only reason that I would like the offer based on the dates of claim is so I can claim any charges that were levied from the account before 22/12/99 which because of the problems with second court cases in Scotland I think I could only get through negotiation with the bank which to be honest may be a lost cause, although I do like a challange:) What are your views should I quit while I'm winning!!! Cheers

Yes you can. Read through the FAQ section first. You will also find template letters for credit cards in the template section.

Hi mel9471 My advice would be to file your complaint with the FOS your complaint and the ombudsman - our consumer leaflet You can also try to phone the bank and let them know that you are about to file your complaint and see if they are willing to settle. Cheers

Hi Big Grambo I got a similar letter from BOS. Here are a few bits from a Scots Law book Communication of acceptance This could take the form of writing, verbal acceptance or by implication. I think that if you get this money put into your account and then withdraw it that this act would be acceptance by implication. Another part states that "the offer cannot state that silence shall be taken as acceptance" My advice would be reject the offer as full and final but say that you will accept it as part settlement of you claim. make sure you send you response recorded delivery as they may try to say you did not respond in time.

Send your letter before action. These are simply delaying tactics which all the banks are using. List your full claim details in a thread and the kind people will give you advice on how to pursue your son claim. Don't be put off by the banks and you will win. Good Luck

The next letter to send is LBA(letter before action) which you will find in the letter template section. You can edit the letter to match you needs. As for the other question I'm sorry I have no experience of this but I'm sure there are others on the site who can help.

Bones11, Hi within the letter there will be a list of sheriff officers that you can use to serve the summons. There will be a charge (about £30) but you will get this back if you win as part of your expenses. The rest of your question should be answered in here : Summary Cause Guidance Notes Hope this helps..

Rossiboy, there are many different ways the banks deal with this. The bank will only give you what you claim in court but once you get you extract of payment for the court you can them phone the bank and ask if they are willing to make an offer for the remaining charges and if they are not them you can pursue them through the Financial Ombudsman. When asking for the remainder ask for it all let them decide if you should get 5 or 6 years. The FOS I think will fight for the 6 years although dont quote me. hope this helps..

Send hem your next letter give them 14 day to respond then fill out the complaint form for the Financial ombudsman that way you wont have to go to court. You can also contact the bank prior to filling out the complaint to try to get them to settle. This is the way they settled my claim. I told them I had spoken to the FOS who were more than happy to take on my claim and that seemed to work.

Crossie1, Hi there is a few ways to do this but I think this will get you the money back without court cases. Follow the guidelines within the FAQ section (keep to the timescales) 1 dpa letter (allow 40 days for response) 2 charges refund letter (allow 14 days) 3 Letter before you take action against the bank (allow 14 days) When you receive the final offer or final word from the bank fill out the complaint form for the financial Ombudsman Service and they will get your charges back. Make sure you keep copies of all letters, dates of telephone calls, any names of anyone you talk to over the phone or post your letters to. Start to build your case from day 1 it will help in the end

Yes he could use the money to pay off the debt but he would have to follow the normal route to get the charges back first. As for getting another account I'm sure that other people may be able to give you better advice as I have no experience of this part.

Kate, Do you know which banks allow you to change to signatures as when I asked at the A&L they said it was not yet available.

Terry he can request the statement even if the account is closed. Use the full SAR request in the letter template section. Good Luck

Hi Delboy the problem maybe how to reclaim that amount of money in Scotland. The Fos will not go back more than 6 years which would only leaves the ordinary action route which carries loads of risk.

Yes they can be claimed back. They are applied when you account has been in overdraft during that month. Cheers........

Cascade You may well have a point when they start to charge a monthly fee for having a basic account but until this happens there not much we can do.

Hi Costa Del Golf They quite often send the statements in 2 or 3 batches I'm not sure it's for the reasons they said but more than likely just another way to delay your claim. Good Luck with your claim Cheers.......

Hi Al Here is a link to a basic court bundle http://www.consumeractiongroup.co.uk/forum/bank-templates-library/33060-basic-court-bundle.html Try this, check to make sure it suits your case and Scotland for that matter. Cheers