ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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been in talks back and forth with the bank about my charges for months now
i havent used any of my 2 bank of scotland accounts due to this shit state they are in due to charges,
i recieved a letter last week for one account giving me £499 back but they have put the bank account £549 overdrawn,
had no correspondace from them on my 2nd account which was registered at the same time under the same refrence number, so as any1 would, i called them last week and created holy hell,
told i'd be called back in 48hours with an offer,I wasnt
the whole time ive kept a log ofmy calls and lettersand the bank has NEVER kept to there timescales and always let me down,
so today, another phone call, and ive been offered the £549 on the 1st account and £748 on my 2nd account,
BUT i wasnt happy, as the £549 is gonna just cover the shit state the acount is in so i then asked them to close both bank accounts, and because of the shit service ive had i wanted both amounts sent out in cheque form, and the debt written off,
I AM FUCKING DELIGHTED now, as ive got the full amount and none of it is going to cover the unpaid charges they levied on my account,
wooohooo
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Brett
Premium Member
Registered: 16th Dec 02
Location: Manchester
User status: Offline
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So your constant whining does pay off.
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Ben D
Member
Registered: 25th Apr 05
Location: South West
User status: Offline
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how the hell did you let it get so bad you had just under £1300 of charges? As soon as i get any charges i just ring up and have them reversed tell them a little white lie if needs be, never had any more than 2 charges though let alone that amount.
I hate banks anyway, only use mine for direct debits, Try keeping everything to a cash only basis ....
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Colin
Member
Registered: 4th Apr 02
User status: Offline
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How did it get into a shit state in the 1st place???
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_Allan_
Member
Registered: 24th Mar 04
User status: Offline
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I have never been charged a penny in bank fees in over 15 years and I don't have a CC. £1300  Fook that
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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quote:
Originally posted by Colin
How did it get into a shit state in the 1st place???
because they refused to pay charges back to me so i refused to pay them, and stopped using my account completly,
they piled the charges on,
missed direct debits
overdrawn
going past overdraft limit,
it all mounts uo, i was charged for all of them every month when i didnt use my account,so i slowly moved all my direct debits and paid them every month,
obviously its the bank in the wrong or i wouldnt of got it back 
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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oh and im bad for leaving things to the last minute, and i didnt know what to do about it,
when i called the bank to discuss my acount they offered me £60 (two charges) back as a goodwill gesture
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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so you stopped paying your direct debits...Im sure all those you had bills to pay with liked that!!
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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i called them all, and they were fine to hold off for a month or so till i got them transfered,
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Cosmo
Member
Registered: 29th Mar 01
Location: Im the real one!
User status: Offline
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then you must have a lot of direct debits for them to add upto £1300 after only 1 or 2 months of them not being paid and charges being made.
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ShEp
Member
Registered: 9th Aug 05
Location: Dingwall, Highland
User status: Offline
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nope i have 3
but after id moved them the bank kept charging me
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