Bank letter today ???? confusing

sunnydays_2

I had my bank sen me a letter saying they acknowledge reciept of my complaint about unarranged overdraft bank charges. It says they believe the bank charges are fair and that they do not believe the Social security act 1992 prevents a bank from applying charges to a customers account when they have insufficient funds to cover a payment they have asked us to make. They say they don't know how long the case will take. I live in Scotland and it says something about taking the claim to the FOS or courts in Scotland. There is also a form included they want me to fill in and send to them it is a Common Financial Statement which asks to be completed and independently verafied by a specialist debt counselling agency? Where do I get one of these? Does anyone know what I should do now???

Tozer

Completely agree with them regarding the Social Security Act 1992. Really wish people would stop misinterpreting this law.

sunnydays_2

I just used the letter template from reclaim board I am not a lawyer did not know whats what with 1992 act thing. Could someone advise me what to do next should I fill this form they have sent me in?

sunnydays_2

Please can someone advise me whether to fill in this form if I have to do it if I want to reclaim?

sunnydays_2

Should I fill in this form at the citizens advice ?
I had my bank send me a letter saying they acknowledge reciept of my complaint about unarranged overdraft bank charges. It says they believe the bank charges are fair and that they do not believe the Social security act 1992 prevents a bank from applying charges to a customers account when they have insufficient funds to cover a payment they have asked us to make. They say they don't know how long the case will take. I live in Scotland and it says something about taking the claim to the FOS or courts in Scotland. There is also a form included they want me to fill in and send to them it is a Common Financial Statement which asks to be completed and independently verafied by a specialist debt counselling agency? Where do I get one of these? Does anyone know what I should do now???<!-- / message -->