Bank Of Scotland

xlnc99

10 years being charged 20 pound and not noticing? That sounds unrealistic. This is a losing battle i am afraid. I dont think a bank or the FOS will believe this story. It looks like he opened this account 10 years ago with the cover and has forgotten to make the changes. Very unlikely anything will happen. 

[Deleted User]

The price would have changed it would not have stayed at £10 for so long, no way. 

Ted_Head

kaMelo said:

What about the annual notice letter the bank will have been sending for the past few years, about the account, the charges and asking him to check this account is still suitable for his needs?

There has been no annual notice letter.

Ted_Head

xlnc99 said:

10 years being charged 20 pound and not noticing? That sounds unrealistic. This is a losing battle i am afraid. I dont think a bank or the FOS will believe this story. It looks like he opened this account 10 years ago with the cover and has forgotten to make the changes. Very unlikely anything will happen. 

I doubt that your comment is helpful.
OH would never have knowingly signed up for duplicate insurance.
OH has asked for the original paperwork to be produced - it should be on file. He's been waiting since Oct for them to produce it.

Ted_Head

[Deleted User] said:

The price would have changed it would not have stayed at £10 for so long, no way. 

Who mentioned anything about a £10 charge?

sheramber

. He is asking for details of where this was set up - they claim at his branch where he opened his account which is 250 miles away as we have since moved. This has been charged for the past 10 years - I know he should have noticed this before now. He would not have travelled 250 miles to change to the different account that he is now being charged for and it appears he has been for the past decade.

What account did he have before this account was opened?
Presumably, he has been using this account  so what happened to the account he had before it?
Or was his original account 'upgraded ' to the current one.?

We moved 260 miles away from our original branch but did not change branches.
Although we used the local branch all new accounts opened since then still have the original branch address on them, despite the fact that we have not set foot in it  14 years.

Ted_Head

sheramber said:

. He is asking for details of where this was set up - they claim at his branch where he opened his account which is 250 miles away as we have since moved. This has been charged for the past 10 years - I know he should have noticed this before now. He would not have travelled 250 miles to change to the different account that he is now being charged for and it appears he has been for the past decade.

What account did he have before this account was opened?
Presumably, he has been using this account  so what happened to the account he had before it?
Or was his original account 'upgraded ' to the current one.?

We moved 260 miles away from our original branch but did not change branches.
Although we used the local branch all new accounts opened since then still have the original branch address on them, despite the fact that we have not set foot in it  14 years.

It seems that this was upgraded and he has been told it was done in his branch where he opened the original account.
He's asked for evidence of this and has yet to receive anything at all in writing from the BOS which he has asked for repeatedly since last Oct.

kaMelo

Ted_Head said:

kaMelo said:

What about the annual notice letter the bank will have been sending for the past few years, about the account, the charges and asking him to check this account is still suitable for his needs?

There has been no annual notice letter.

They must have done, the annual statement of fees setting out how much you've paid in interest and fees for that year is a regulatory requirement and has been for some time. In addition they also send out specific letters relating to packaged bank account holders asking them to check whether the account is still suitable for your needs.  This is to avoid liability over another mis-selling debacle.
Do they have the correct address as it would be very strange for them to have never sent a letter?
You could always ask them whether they have sent any letters as they will have a copy(ies) if they have done so.
If they haven't then this could be something to use in a complaint. If they have copies and they comply with the 6/3 rule they would not need any original paperwork.
(six years from inception and three years from when you would reasonably have known about the fees. The annual fee's letter would qualify on both counts as long as they sent one at least three years ago)

Zanderman

It would seem, from the info you've given, that your OH has, in addition to ignoring a payment of £20 monthly for 10 years, also ignored or chucked away without reading, the statutory annual correspondence about the account, to the point of denying such correspondence ever existed.  Unless the bank really hasn't sent these letters - which is highly unlikely. 
Are you sure he is sure of all this? 
I'm not trying to belittle the situation, just raising the possibility that the fault here might not be the bank's.

Thrugelmir

Ted_Head said:

 This has been charged for the past 10 years

- he's getting quite upset about this.

Seriously. Upset at himself perhaps. However not the banks fault.  It's complaints like this that waste huge amounts of time and put up costs for all bank users. We have a compensation culture in this country that has gone mad. Sometimes people have to accept personal responsibility for their actions and bite the bullet.