Bank Charges BOS

[cascade]

Hi! to everyone. I have recently just been made redundant, and as a result had to cancel all my direct debits, as I didn't receive my last pay. I explained my situation to the Bank Of Scotland, and initially they were quite helpful and because of the short notice given to them I expected some charges. Lo! and behold the letter dropped on the mat 2 days later.

I phoned the bank, hoping they would be more understanding, but no joy.

I will still have to pay the charge, but as my redundancy won't be paid for 8 to 12 weeks, I will be charged for not paying the charge and so on it will go. I have now paid the £5.00 fee for my last six years statements and intend to see the matter through to it's conclusion. I will also take the appropriate action to recover any unfair charges incurred after this. So here's hoping all goes smoothly, although somehow I doubt it.

 

This was my original welcome post. Hope I'm not breaking any rules!

[maroondevo52]

Hello and welcome,

 

I have already had one claim paid by Bos, that was a small claim. I have served my first Summary Cause on them and my court return date is the 13th March, have had no responce up till now. You mentioned you hoped the bank would br more understanding, no chance ! they screwed me for years. Now it's payback time.

 

Best wishes with your claim.

 

Regards.

 

Scott.

[cascade]

Hi! Maroondevo52. Hope your claim goes well. Keep me posted as I am Interested in BOS claims. I didn't realise it at the time but the Bank Of Scotland appears, by the posts I have read in any case, to be one of the worst banks to deal with on these matters. May have something to do with them having one of the highest charges, i.e. £39. Coincedence?

[cascade]

I have decided to send a letter off to the head office in Edinburgh, BOS, giving them their 40 days from receipt of my payment, in one of their branches, i.e. 01.03.07, countdown begins, for my statements. I amended a template for this reason. Copy on file.

[eileen58]

Hi everyone, I was reading your posts and I would just like to say that I had a claim against bos for £1,500. I sent the usual letters and after the first one I got the usual letter saying that they needed another 14 days to look into my claim. I did not give them another 14 days, I just went down to the sheriff court and put in a claim against them, (summary clause). I then received another letter saying that they needed another 28 days to answer my original letter(at this time they had not received the court papers) and just before the 28 days where up they phoned me and offered a settlement of £1,500 plus interest and costs. I duly accepted and 2 days later I had the money in my bank. I did not stop my claim until I received the money. I have found bos a lot easier to deal with than Lloyds tsb who literally did not pay me out until I had my decrees. I hope that you all have it as easy as me as I am doing claims for my sons concerning bos and I am hoping to have an easy ride with them.

 

Hope you have good luck with them.

 

lol Eileen

[cascade]

Best of luck with the claims for your family, eileen58, keep us posted.

[cascade]

Just decided tonight to open a basic bank account with RBS. I really think BOS will close my account. Don't want to be caught short, but why should we have to depend on banks for our money, emphasis OUR? Why can't we go back to the Truckers agreement. We work for you, you pay us cash in hand.

[cascade]

I have a lot more to say policitally. However this is not a political forum and I respect that.

[cascade]

Just received my statements from BOS, in two lots, and was wondering what date I should start to claim from. Would it be from 5years back from todays date or does it have to be very precise?

[stevokenevo]

You can claim 5 years back from when you requested your statements, as if you used the standard template S.A.R it says on that, if you find you have been unlawfully charged you will be reclaiming them.

Hope this helps

[cascade]

Many thanks, helps enormously.

[cascade]

Sticking point on my spread sheet. Doh! Claim date? is this the date I am claiming from, and Date of judgement or payment I am lost on that one? any help please?

[stevokenevo]

I don't think you have to worry about the claim date at this point, i assume you are using the spreadsheet as a 'schedule of charges' at this point. Therefore you could just put the date you are sending the letter.

[cascade]

Thanks for that stevokenevo, don't want to foul up at this early stage. I am using the spread sheet as a schedule of charges and trying to work out interest at compound rate, couldn't get it to work properly yesterday. I'll give it another go later on today.

[stevokenevo]

If you are claiming contractual then by all means use the spreadsheet, make the claim date the day your sending the letter, if i remember right there is another date you put in, date of settlement maybe?? make that date for 4weeks from now.

[stevokenevo]

Just double checked, the spreadsheet i used you will find http://spreadsheets.google.com/ccc?key=p6Z9Po15m9HbW4_E3fPiSBQ

 

and it was 'date of judgement' i was thinking off

 

Good luck and hopw this helps

[cascade]

Ok! got that all sorted now, just got to post that with my prelimanery letter tomorrow. Thanks again. Fingers crossed.

[cascade]

Just been hauled up by the missus. Do I charge them for the full lot including compound interest at contractual rate in the preliminary letter, I know you dont charge judicial interest, or just the charges. Thanks

[cascade]

I have a lady stays upstairs from me and by god has she been ripped off! If I get through this I will help her to the best of my ability, in no short measure thanks to you guys, she's a one parent family, and I thought I got it rough.

[stevokenevo]

If you are claiming contractual, you do so from the outset, that is the prelim and lba letters.

[cascade]

Thanks stevokenevo! Sent it off this morning. Couldn't have been confident enough without your help. Thank you very much for your help and patience, really thankfull. Watch this space!

[cascade]

Oh! I have to admit, it feels great having the bank by it's b---s. About time I got my money, repeat MY MONEY, back form these greedy, Shylocks! Feels good having so many friends and so much support to guide me through this experience. I hope to get it all back. Watch this space

[bolo30]

Hi am new to this forum. Very good. Well I think I have messed up big time with claiming back charges from BOS. I am claiming £2006 back over the 6 years. However been reading that I can only claim back £750 in scotland re small claims court. All the letters i have sent I have requested the full amount. I am at Letter before Action stage not had any reply from Repayment of charges letter. Oh no not very prof of me their probably laughing their head off. Any advise appreciated.

 

Bolo30

Scotland

[stevokenevo]

Bolo, You havent done anything wrong, in the prelim and LBA letters, you request the full amount (in case by some miracle they actually refund you ;-)

When it comes to court time, you can claim £750 + interest through the small claims court, or £1500 + interest using the summary cause claim which is similair.

Have you started your own thread, if not, start your own thead were your questions can be answered and you can keep us up to date with your progress

 

Good Luck

[cascade]

Just had a thought. If the banks claim the costs of a returned item comes to £39 a go, how come they only charged me £5 for 6 years statements in 7 seperate packages, especially when they can charge up to £10. Doesn't compute. Possible argument there?.