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!

[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?

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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.

[cascade]

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

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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.

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

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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?

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Many thanks, helps enormously.

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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?

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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.

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

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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

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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.

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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!

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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

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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?.

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7 days from prelim now. Feels like cape canaveril. Lol! Ever felt like Santa's a comin'?

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Lol! No white beards then steve! You can borrow mines lol!

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I am sick fed up of pussy footin' around. When can we call a spade a spade. Greed is greed whether it's Barclays or BOS or any other one of the big boys. Let the law decide if we are wrong. They seem to live in a cacoon, protected by the law while they rip us off, unlawfully.

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didn't think you'd get it.. .. .. ..Hope no kids are reading this but .. .. .. ..

.. .. ..I AM SANTA!!!!

Naughty! I was talking about age mate. Funny wife smiled there!

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Naw seen it last night just incensed with banking atitude. Need a Good kickin that lot. Sooner the better. Hate greed. Been brought up to look after my family 1st and friends second. All values have gone out window. Guess the high street banks feel the same, so rip us off. Government to blame no matter how we look at this prob. They set up the conditions after all. Any way I prefer the light hearted approach to these matters.

May get serious if it gets out of hand but hey! up the revolution.

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Lol ok Steve changed. Unlawfully. But they are still greedy.

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Ok Steve. Thanks for input again. Guess I can't help getting emotional at this whole carry on. I feel for the kids who can't get out of this mess.

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Lba sent last Friday. Got a standard entitled to 8 weeks blah! blah! letter yesterday. Filed it under, Who cares? not my problem. 8 days to go and getting ready for court. Hope they fight it. I did a cost analysis on the materials for a charge letter and it came to under 50p so with a computer generated letter they must be paying their staff in the region of £76 an hour to justify their costs. Nope I don't think so.

[cascade]

Hi Eileen,

Thanks for your advice and encouragement. I have absolutely no intention of giving BOS 8 weeks. I intend to stay in control, as much as I can, of the timeline. The bank has until April 13th to settle in full. If not I intend to file in Kirkcaldy Sheriff court, April 16th, for a summary cause for the full amount and no doubt with judicial interest to boot. Hope your son's claim goes without a hitch and he gets his cash back. I'll keep all informed of my progress and If any one has went through Kirkcaldy Sheriff court I would be grateful to hear how they got on.

cascade