Reclaiming in Scotland

Edinburghlass_2

As regards the 5/6 year time scale this is determined by the court system in Scotland and I always suggested that users started with 6 years as if the bank decided to pay out before a court action they would pay out on the full six years as a rule and hence the number of success stories giving 6 years charges.

As regards claiming for more than 5 or 6 years charges, this has been argued and won in court but as you would be talking about a large claim this would be out of the jurisdiction of the "small claims" limit of £750 in Scotland and would require legal advice.

Edinburghlass_2

GerryS wrote: »

stacey I have learned today from a banking employee that the test case going through the courts is not valid in Scotland. I have emailed Martin to estblish the fcts on this one

Valid or not, claims are being stayed in Scotland or sisted as it is known.

http://forums.moneysavingexpert.com/showthread.html?t=559454

Edinburghlass_2

kitkat33 wrote: »

Hi there i have to attend court in Scotland on Monday for Bank of Scotland who have applied for a stay. When i called the court i was just told to turn up they never mentioned the N225 form do i still have time to complete this and is it applicable in Scotland? I'm really really worried about going to court i just think i will develop severe memory loss and have no clue how to defend myself :eek:

As the bank will apply for a stay or sist as it is known in Scotland, you need to have a read through this thread....

http://forums.moneysavingexpert.com/showthread.html?t=559454

stacey21_2

I am just about to start claiming for charges from Alliance and Leicester as I have been charged £150 for being £4 overdrawn. How do I go about this/should I go about this?

Edinburghlass_2

You need to read Martin's article and start the step by step guide.

http://www.moneysavingexpert.com/reclaim/bank-charges

stacey21_2

Hi

Thanks for your reply, I have the first letter and as I have access to internet banking I have a list of all the charges so I don't need to send the first letter? Just called A+L to downgrade account so that I don't get charged the underfunding fee.

They have charged me £150 for being £4 overdrawn (with the underfunding fee they suddenly decided to put on!!). They are claiming to have sent letters I have never recevied!?

Edinburghlass_2

In that case you start at Step 3.

stacey21_2

i'm not sure if it's worth all the 'hassle' for £150 though.. ?

wee_mans_big_charges

Hi Folks, I have just found this website and definatley want to try and reclaim my charges from HBOS. Over seven years they have taken sooo much in charges from me and i want to fight back. I need to know if i am right in saying in scotland we can only reclaim up to £750. Should i start the process although there is a test case pending. My last charge was comical, i had a Direct debit taken early from my account and all that happened was that i was re-directed to and from the bank to the company and so forth. No-one was willing to help or refund me yet they agreed something was wrong. Nobody from the bank contacted me when i complained and they have processed the charge. It seems they 'forgot ' to get back to me. I have amassed a small fortune in charges , what do i do??:mad:

Edinburghlass_2

If you don't start your claim now, then your early charges will be time barred if you wait until the test case is over.

You need to read Martin's article here...

http://www.moneysavingexpert.com/reclaim/bank-charges

and use his step by step guide.

It will also help you to read some of the previous posts in this thread about reclaiming in Scotland.