My case V's Bank of Scotland

[Stevejr147]

Here is my case so far regarding BofS

 

Asked for back dated statements personally at my local branch and recieved them about 3 weeks later.

 

In my 2 accounts the charges are over £3000 so I sent my prelim approach letter asking for the 1st batch of charges(keeping it under £750) back and an offer of £185 as a goodwill gesture was made from them.

 

So I sent out my LBA (recorded delivery)which I made from the Govan Law centre on the 29thJune stating if I do not hear from them in that time I will raise an action in my local court.

 

Called BofS today 7th July just make sure they got the letter and she said It only reached their dept on the 6th July said she THINKS it reached the BofS on the 4th and said they have 4/5 working days to reply and if I wasnt happy I was more than welcome to go ahead and start legal action....

 

Im just wondering would it be better for me to wait and see what they have to say in regards to the LBA or start legal action as they failed to reply in the time I gave them.

 

many thanks

 

Steven....

[Perseverance]

I would go by the advice that is handed out by all the seasoned campaigners on here - stick to your own timetable and not the banks. Give an inch and they will take a mile.

[Stevejr147]

Thanks for the reply

 

Yeah i was thinking the same, court tomorrow for the forms it is then....

 

Steven

[Giveitback]

As far as I'm aware, if you sent it recorded delivery, and you know when it was received then you have proof that you should stick to your timetable.

 

BoS have claimed they received my letter later than they did, I don't care, PO delivered it, it was there, my date wins.

[JMio]

Think of it this way:

 

Recored 1st Class post would get a letter to them the next day, if they were keen to resolve your complaint & refund all of your charges, they'd ensure that the relevant department had a copy of your letter ASAP - be it by Fax, Courier or Smoke Signal!

 

It's THEIR choice to drag it out as long as possible, in the hope that you'll get bored & go away!

 

The only way that these bandits understand, is Court action!

[Stevejr147]

Received a letter today from BoS redress assessor Increasing their offer from £185 to £555 (6 months charges) as they state, in an attempt to reach an amicable solution to my complaint. This is of course a full and final settlement to all my accounts regardin BoS.

 

Not bad considering they have taken over £3000. They say they are keen to resolve this matter and to let them know if there is anything they can do to put matters right.

 

Giving me MY other £2500 back might be a start....

[Tink]

LOL Stevejr147, you go for it ..... sounds like you have everything under control I wish you well in recovering all your losses.

 

T

[Stevejr147]

Quick question!!

 

My Ex ran up a big over draft on this account im claiming back the charges for, Im in the middle of arguing thins over between lawyers.

 

My question is, when the bank finally admit they are at fault and refund you your money bank, will they pay it direct into the account and I end up paying her bill or can u get another method of payment from them?

 

Many thanks

 

Steven...

[JMio]

If the account is still live, they'll most likely pay the refund back into the same account they came out of.

 

You could always ask them to pay them into a different account, or send you a cheque (once you've got to that stage of course!), but I don't think they're under any obligation to do this...

[Stevejr147]

Yeah J Mio was kinda fearing the worst in that respect, theres a lot to be said for pre- Nups!!!