I paid off my mortgage on 17th of August and the bank continued to take a payment fgor this month on the 22nd.
I phoned the bank and asked for the money back, assuming it would be quite straightforward.
However, they now tell me it will take 10 working days to get the money back to me, which is two calendar weeks.
This is theft.
The bank can transfer money to other banks same day using chaps and between their own accounts (as in this case) it is instantaneous.
meanwhile I am £450 out of pocket.
My advice is to steer clear of Bank of Scotland at all costs.