Scottish Elises

am fed up with my bank being useless (ordered CHAPS payment tuesday lunchtime, took till thurs close of business to arrive - same length of time as BACS but i had to pay for it...), so am going to stick them for any charges.

if anyone else feels the need, stick your details in the below letters and nail yours also... we are the customers, and in any other industry, service as bad as some of these banks are guilty of is unacceptable. they look after OUR money FFS......

so,

Letter 1:

http://www.which.co.uk/files/applicatio ... -76938.doc

Letter 2:

http://www.which.co.uk/files/applicatio ... -76940.doc

Letter 3:

http://www.which.co.uk/files/applicatio ... -76944.doc

rant over.

Been meaning to look into this- I fancy a nice ferrari or something....

Good luck mate - be interesting to know how you get on.

What words of wisdom do our legal contingent have on this, I wonder?

I went through the whole process with Bank of Scotland for my Ex. All very straightforward using template letters from Money Saving Expert thread on reclaiming bank charges.

http://www.moneysavingexpert.com/cgi-bi ... 0760,24632,

My ex got all her money back last week and kindly gave me £100 tonight for my help She wasn't going to bother but I said she should not let them get away with it. An announcement is due soon from the Office of Fair Trading and this is likely to suggest a charge of around £12. This means that banks may now limit the amount they pay back to the difference between what they charged and £12. Glad I got in early. Don't delay get those templates downloaded today.

bertieduff wrote:Been meaning to look into this- I fancy a nice ferrari or something....

Good luck mate - be interesting to know how you get on.

What words of wisdom do our legal contingent have on this, I wonder?

I say do it. I did Banks will do anything to stop one getting to Court and a precedent being set, so as long as you're not taking the pi$$ (e.g. a lady down south claimed for psychological anguish and was taken to Court by the Abbey and lost) then they'll pay out.

Best of luck peeps

I've been meaning to do this for so long. Last time I went over my limit for less than 12 hours I got charged nearly £90.

I'll put it on my list for something to get done this weekend!

Anyone know the address one should write to for the Bank of Scotland?

Bank of Scotland, Customer Relations, PO Box 29112, Dunfermline, KY11 2ZX ?

edit: Or should it be your local branch?

The_Rossatron wrote:Anyone know the address one should write to for the Bank of Scotland?

Bank of Scotland, Customer Relations, PO Box 29112, Dunfermline, KY11 2ZX ?

edit: Or should it be your local branch?

My ex went into local branch. They moaned that they should be sent to head office and she just said that the charge letters came from her local branch and that was where she was addressing it to. Got them to read and sign receipt for letters which didn't please them The teller happened to be the one that had given my ex grief when she came in to discuss charges last year

The_Rossatron wrote:Anyone know the address one should write to for the Bank of Scotland?

Bank of Scotland, Customer Relations, PO Box 29112, Dunfermline, KY11 2ZX ?

edit: Or should it be your local branch?

Ross - write to manager of the card issuing branch, cc'ing in the Customer Relations dept as above. That's who I ended up getting all correspondence from, although the phone number directed me to a call centre in Wales - go figure

You are entitled to claim re. 5 years' worth of charges (Prescription & Limitation (Scotland) Act 1973) whereas its 6 in England. You never know though, they might not pull you up if you try for 6 ...

Skyenet wrote:

The_Rossatron wrote:Anyone know the address one should write to for the Bank of Scotland?

Bank of Scotland, Customer Relations, PO Box 29112, Dunfermline, KY11 2ZX ?

edit: Or should it be your local branch?

My ex went into local branch. They moaned that they should be sent to head office and she just said that the charge letters came from her local branch and that was where she was addressing it to. Got them to read and sign receipt for letters which didn't please them The teller happened to be the one that had given my ex grief when she came in to discuss charges last year

Classic!

Greg - May be a stupid question, how do you CC in normal mail?

simple mate - write to the local branch, and then at the bottom, after you have the 'Yours sincerely', underneath your sig put "cc BoS Customer Relations. All you need do is send a covering letter to the customer relations peeps, and say 'puhleashe find enclosed a copy letter sent to my local branch' and enclose that letter.

Need any help, drop em a pm mate

By sending it to more than one person.

You can also put a wee list of the people you send it to under the signature.

CC is the most powerful tool avaialbe to any letter writer. Everyone know that the cc'd person will probably not read it but they just might...

Used to use it all the time, it's sort of passive blackmail.

Nicked from somewere else.. but still funny!

A 98 year old woman wrote this to her bank. The bank manager thought it amusing enough to have it published in The Times.


"Dear Sir,

I am writing to thank you for bouncing my cheque with which I endeavoured to pay my plumber last month. By my calculations, three 'nanoseconds' must have elapsed between his presenting the cheque and the arrival in my account of the funds needed to honour it. I refer, of course, to the automatic monthly deposit of my Pension, an arrangement, which, I admit, has been in place for only eight years. You are to be commended for seizing that brief window of opportunity, and also for debiting my account £30 by way of a penalty for the inconvenience caused to your bank.

My thankfulness springs from the manner in which this incident has caused me to rethink my errant financial ways. I noticed that whereas I personally attend your telephone calls and letters, when I try to contact you, I am confronted by the impersonal, overcharging, pre-recorded, faceless entity, which your bank has become.
From now on, I, like you, choose only to deal with a flesh-and-blood person.
My mortgage and loan payments will therefore and hereafter no longer be automatic, but will arrive at your bank by cheque, addressed personally and confidentially to an employee at your bank whom you must nominate. Be aware that it is an offence under the Postal Act for any other person to open such an envelope.

Please find attached an Application Contact Status, which I require your chosen employee to complete. I am sorry it runs eight pages, but in order that I know as much about him or her as your bank knows about me, there is no alternative. Please note that all copies of his or her medical history must be countersigned by a Solicitor, and the mandate details of his/ her financial situation (income, debts, assets and liabilities) must be accompanied by documented proof.

In due course, I will issue your employee with a PIN number, which he/she must quote in dealings with me. I regret that it cannot be shorter than 28 digits but, again, I have modelled it on the number of button presses required of me to access my account balance on your phone bank service. As they say, imitation is the sincerest form of flattery.

Let me level the playing field even further.
When you call me, press buttons as follows

1-- To make an appointment to see me.
2-- To query a missing payment.
3-- To transfer the call to my living room in case I am there.
4-- To transfer the call to my bedroom in case I am sleeping.
5-- To transfer the call to my toilet in case I am attending to Nature.
6-- To transfer the call to my mobile phone if I am not at home.
7-- To leave a message on my computer (a password to access my computer is required. A password will be communicated to you at a later date to the Authorised Contact.)
8-- To return to the main menu and to listen to options 1 through to 8
9-- To make a general complaint or inquiry, the contact will then be put on hold, pending the attention of my automated Answering service.

While this may, on occasion, involve a lengthy wait, uplifting music will play for the duration of the call. Regrettably, but again following your example, I must also levy an establishment fee to cover the setting up of this new arrangement. May I wish you a happy, if ever so slightly less prosperous, New Year?

Your Humble Client."