Reclaiming in Scotland

Edinburghlass_2

Check out the Reclaim Help Thread link in my signature for court costs and exemption links.

brownowl_2

here's a link to help available in Scotland.

http://www.scotcourts.gov.uk/library/publications/index.asp?dir=library&grp=CivilCourts&open=CivilCourts#civil

BOAB_2

hi does anyone know how much i can claim back i live in scotland and im owed over 4000 pounds in bank charges;)

Edinburghlass_2

You need to read this website ...

http://www.govanlc.com/jurisdiction.htm

PayupGaryKettle

1. Since the max I can reclaim in a small court procedure up here is £700-ish and I have statements going back many years with detailed charges well in excess of this amount, is it worth asking for charges going back 5 years?

2. If as I suspect the charges come to thousands should I take them to the big grown-up court to recover them?

3. I had to sell my house last year, new business struggling (recovered nicely now thankyou) and copped a swinging £5k get-out-of-mortgage-early charge. Now I know I signed the agreement but could this charge be deemed 'disproportionate' like the bank charges and if so could I try to recover it?

Thankyou for giving me the opportunity to have a crack at these bloodsuckers :T

Edinburghlass_2

I'll shift this post into the Reclaiming in Scotland thread where you'll find users who are currently claiming in Scotland. One recently posted about putting in several small claims to keep it under the limit and the court told them they would all be heard together should it go that far.

Early Redemption Mortgage fees, no but read the Mortgage Board.

Have a read of this website re Scottish Court system

http://www.govanlc.com/jurisdiction.htm

susank

Do I see Wellgirl has claimed over £750.00 and over 6 years in Scotland and won?

Hope we are all so lucky - well done

WellGirl

susank wrote:

Do I see Wellgirl has claimed over £750.00 and over 6 years in Scotland and won?

Hope we are all so lucky - well done

My friends husband works for BOS and had seen a lot of charges being refunded and hence why he mentioned it to us !! :T

susank

Thats great as I have my charges over 6 years calculated and on here it says 5 years in Scotland - are they two claims for under £750 each and is it 6 years you claimed for? I am hoping to be so lucky too

Dingwalldemon

I have just sent my initial letter to the Nationwide bank, i know my charges incurred are in excess of £5500, however in Scotland small claims court will only pay out £750. Obvouisly breaking the claims down could amount to quite a big outlay. Does anyone know my best approach to this matter. Can i apply to a court in England? but again this has a limit of £5000.
Any help with this matter would be appreciated.
Good luck everyone
:beer: