Clydesdale Financial Services "WON"

[Dave.G6HNI]

Hi, Thanks,
I tried the main number again this morning and it worked, guess they had a phone line fault yesterday.
I was able to pay off my account before the 6 months were up, so hopefully that's it finished with.
Dave.

[kopite]

Thread revival

I have just got a statement from CFS/BPF and have checked out the charges and they are very substantial.

I am about to write the letter to them but was wondering did you just use the standard bank charges letter or did you use a specialised one? If so would it be possible to get a copy of it?

Thanks

	Bank Charges You should have started your claim for your bank charges by now. Don't wait. You should send your bank a Subject Acess Request asking for all personal data they hold on you - not just statements. You should calculate all of your bank charges and related interest as far back as 1995. You should send your bank a demand for a refund giving them 7 days. You should commence your legal action adding 8% statutory interest. If you wait for the outcome of the test case, you may not be able to claim like this. you may not be able to claim interest. You may only be offered the difference between the charge and the OFT "fair charge". The repayment scheme will try to limit you to refinds from 2001 only. A repayment scheme will not deal with any bank charges related defaults on the credit register whereas in a court action you can ask for these to be removed and to be compensated for the damage caused to you and your family by them. You should also write to the bank and to the CRA and put all charges related credit entries in disupte and warn them that you will want them removed from the Register when the test case is over. Warn them also that you are likely to be seeking compensation for these wrongful data entries. Full and final settlement Have you previously accepted a partial repayment of your bank charges in full settlement? You will still be able to claim the rest of your money back after the Test case is decided. Get all your information back to 1995 and put in your claim now.

[steven4064]

THis is the prelim we sent

Clydesdale Financial Services Ltd
PO Box 3979
Glasgow
G51 1YL



Request for repayment of charges


Dear Sir/Madam,

ACCOUNT XXXXXXXXX

Over the last four months you have added charges to my account purportedly to cover letters sent to me about my account. Each charge is for £22.50 – they are listed in the attached schedule.

The letters you sent have all been automatically generated – even the signatures are added by the computer. As such, the total cost to you of sending each letter cannot be more than 35p including stationary and postage.

This means that the charges substantially exceed your costs in handling these events and therefore amount to penalty charges, which are contrary to common law and to the Unfair Terms in Consumer Contracts Regulations 1999. Calling them ‘letter charges’ just makes them disguised penalties as defined in the 1999 regulations.
This letter constitutes a formal request for you to repay £112.50 in unlawful charges.

This letter is not a complaint and so I do not expect it to be treated as such. Rather, I expect a positive response within 14 days accepting my request in principle. I believe that this is more than sufficient for a large company such as yours with dedicated staff and large resources.

Yours faithfully,

If there are different sorts of charges, just add them in and nick some paragraphs from the standard bank template to cover them