HBOS aka Halifax Bank of Scotland

Dusary

cuddly1 wrote: »

1st Ive heard of that one hen ???????

I've got those as too!

Dusary

denim.demon wrote: »

The same happened with me the statements from May 2004 are after the BOS systems were taken over (sorry merged) with the Halifax system. You should get all your BOS statements in one seperate letter not 10.

When this happened I phoned up the Telephone banking service nd asked about it and they reordered the statements without any extra charge and they arrived within a week.

I received LOADS of envelopes!

Poor post-lady!

Dusary

denim.demon wrote: »

I used the telephone banking service, the branch number I have just puts you through to the telephone banking service. You could also pop into the branch and make a request there.

that's what I did - and I received all my statements - AFTER sending 1st letter to "The Mound" - Rosyth (Customer Services) then copies to Leeds, THEN went into a local branch.

Zelie

Wow, long night reading a very long thread! I think I'm pretty informed on what to do and I thank all those who gave details of their claims or posted advice. Most useful.

I do, though, have a couple of questions:

1) I intend to claim against the Halifax. Regarding parachute accounts would anyone consider my second account with Bank of Scotland to be safe or is it wiser to get a new account with another bank entirely?

2) My understanding is that charges after 2004 would be after the HBOS merger and manually handled (and thus they are not obliged to record them). I am applying for a refund of charges from before 2004. Is it true that the bank would at that time have had to record the charges? (The only reason I ask is that I don't fancy trawling through six years of statements to identify the charges!).

Dusary

javorb wrote: »

Totalled Up My Claim £6663 + £800 Account Maintenance Fees

Should I be including "Account Maintenance Fees" in my grand total?

denim.demon

Zelie wrote: »

Wow, long night reading a very long thread! I think I'm pretty informed on what to do and I thank all those who gave details of their claims or posted advice. Most useful.

I do, though, have a couple of questions:

1) I intend to claim against the Halifax. Regarding parachute accounts would anyone consider my second account with Bank of Scotland to be safe or is it wiser to get a new account with another bank entirely?

2) My understanding is that charges after 2004 would be after the HBOS merger and manually handled (and thus they are not obliged to record them). I am applying for a refund of charges from before 2004. Is it true that the bank would at that time have had to record the charges? (The only reason I ask is that I don't fancy trawling through six years of statements to identify the charges!).

I would get a parachute account with another bank altogether I have a basic bank account with Barclays, and when all this is over with i am not going to stay with The Bank of Scotland, due to ther appauling customer service. I mean finding an address to write to that gets a response was near impossible, that is not what I call good customer service at all.

It was quite easy to trawl through my statements looking up charges over the past six years. The bank is obliged to provide you with statements if you ask them, and any charges are listed on them as being charges. So it is not as daunting a task as it seems.

disaster65

Hi All.
I have been reading a lot of posts but can't seem to find a definative answer to the 'where to claim' question

Maybe one of you clever people can help.
I'm with Bank of Scotland (2 accounts) but now live in England. My charges (£2 - £3K by my estimation without the interest!) are split between the time I lived in Scotland and England.

Should I claim in Scotland?
Have been looking at the Govan Law and CAG sites (which have given me more hope about a successful claim in Scotland - to be honest the thought of splitting and attending court had me wavering for a bit) BUT still feeling a bit confused!!!!

I'm waiting for the bank statement info so hopefully will be ready to make the claim/s soon :j

Keep up the good work
Disaster65

Zelie

disaster65 wrote: »

Hi All.
I have been reading a lot of posts but can't seem to find a definative answer to the 'where to claim' question

Maybe one of you clever people can help.
I'm with Bank of Scotland (2 accounts) but now live in England. My charges (£2 - £3K by my estimation without the interest!) are split between the time I lived in Scotland and England.

Should I claim in Scotland?
Have been looking at the Govan Law and CAG sites (which have given me more hope about a successful claim in Scotland - to be honest the thought of splitting and attending court had me wavering for a bit) BUT still feeling a bit confused!!!!

I'm waiting for the bank statement info so hopefully will be ready to make the claim/s soon :j

Keep up the good work
Disaster65

From reading around the site I think I worked this one out.

I am in the same position. Opened my Halifax account in England, had difficulties after I moved to Scotland and then returned to England. But basically you use the law of the country you live in. So if you live in England pursue them under English law. It's where you live that counts.

(And if you don't live in England, see about getting an address there! )

Edinburghlass_2

As Zelie says, you live in England or Wales so you can claim via MCOL and claim back 6 years charges.

One thing to note is you must use an English address for the bank you are claiming from as well so for HBOS use the Halifax address and not the Edinburgh address.

disaster65

Hi
Been in England for 2 years now so bank has my English address but bank accounts are still at Scottish branches (not Halifax accounts)

Thanks for that BUT done a lot of reading myself and worried about mentions of "winning" but banks not forced to comply with rulingfrom another legal system.
Does anyone know if BoS contracts come under English Law - been through a lot of paperwork and BoS web but can't find the info.

Plus anyone know the best addresses to use
For Scottish claim is Rosyth the best one? (I have 2 accounts at different branches in Edinburgh)
If I claim in England do I write to Leeds? Or is this only for Halifax accounts?

For the statements I sent letter to The Mound (Edinburgh Head Office) Am I in for a long wait? Also a bit confused by some of the posts regarding statements pre and post Halifax merger.

Any help very welcome - and sorry if I'm being a bit thick!
All best
Disaster65