Clydesdale Finance

Sophie-Jane · 23rd April 2006, 07:51

Hi

How Legal are Letter Charges of £22:50, And also What is a DRA Consult Fee which I got charged £30 for

If I am able to reclaim these charges I will proceed with the Forms on this site, I've worked out they owe me over £250, which would literally half the debt owed with these by a third

Any help is appreciated

Regards
Sophie
Sophie-Jane@Lyon-Stopford.me.uk

Sophie-Jane · 5th May 2006, 15:14

Update on Clydesdale Finance

Today received an letter after sending off the 1st letter asking for them to refund the charges

Need some advise Please

From the letter

I have thoroughly investigated the issues you have raised and I can confirm that the charges applied to your account are in line with the terms and conditions of your signed finance agreement.

I can confirm that we at Clydesdale Financial Services conduct ourselves professionally and in a lawful manner and would wish to assure you that our charges are in line with all major financial institutions and are representative of actual losses incurred by us where customers breach the terms of their finance agreement by failing to maintain payment. Further, should it become necessary for legal reasons, we can demonstrate the actual administrative costs incurred.

Please bear in mind that the total charges refferred to are a result of you having breached your contract on several occasions and taken individually are not as you suggest "deceptaive".

In light of the above I am unable to comply with your request for the charges to be refunded and can advise that the charges will remain on your account.

Is this a standard letter, or are they correct?

Any help would be appreciated, Can Credit card companies do this?

Sophie-Jane · 6th May 2006, 14:37

2nd Letter being sent on Monday

alanfromderby · 6th May 2006, 14:49

Quote:

Originally Posted by Sophie-Jane

Please bear in mind that the total charges refferred to are a result of you having breached your contract on several occasions

Is this a standard letter, or are they correct?

Any help would be appreciated, Can Credit card companies do this?

Point 1 - Game, set and match to you - they have admitted that their charges are for breach of contract!!!

Point 2 - If it is, then the person who complied it will be sacked very soon!!!

Point 3 - Credit Card companies can't do this....doesn't mean they will not try though.

If you don't mind could you please send a scan of this letter to: research@bankactiongroup. co.uk

Thanks.

Sophie-Jane · 6th May 2006, 14:52

Will send a scanned copy off to you Alan

Hope it helps the fight

alanfromderby · 6th May 2006, 14:56

Thanks - it goes to bookworm, but I will let her know it's on it's way.

Sophie-Jane · 15th May 2006, 20:22

Hi everyone

Just a update on this

I have sent the 1st prelim letter on the 26th April 2006

After receiving No Reply, not even a acknoledgement, I sent the 2nd letter on the 8th May 2006

I have checked with the Royal Mail portal, checking if they have been received, Neither are showing up as being received at all.

Has anyone else had this problem regarding Clydesdale recently, say the last month or so?

Do I phone and check with them if they have received the letters, or when the time limit is up on / around 23rd May 2006, and I still have no confirmation or acknoledgement from Clydesale, do I start a Moneyclaim?

All help is apreciated

alanfromderby · 15th May 2006, 20:34

The County Court rules state that a letter is considered to be received two days after posting - even if sent by ordinary mail. I would just stick to the timetable.

Sophie-Jane · 16th May 2006, 10:53

Quote:

Originally Posted by alanfromderby

The County Court rules state that a letter is considered to be received two days after posting - even if sent by ordinary mail. I would just stick to the timetable.

Hi Alan

Will continue with the process, Seems at the moment, no one wants to talk with me, no wonder I suppose with all these claims going on - oh well

Gives me more Thinking time

skyrocket123 · 16th May 2006, 20:28

Hi Sophie-Jane
I got the same letter from them!
Sky

Sophie-Jane · 30th May 2006, 16:44

Hi Sky and Everyone

An update on this one

After sending all letters out, and also clarifying the points as to what is in dispute - Charges levied against my account, which I gave 7 days to reply, the following letter is what I have received

_________________________ ______________

Dear Mrs Sophie-Jane

I refer to my letter dated the 19th May 2006, Your complaint has been escalated to me and I have undertaken a review of the investigation that the Customer Relations Department has made into your complaint.

As you have been previously advised the charges will not be removed from your account as they are in line with the terms and conditions of your credit agreement.

I am very sorry that Clydesdale Financial Services have been unable to resolve this to your satisfaction.

The Customer Relations Department have prepared a report of your complaint, which is attached to this letter, I have reviewed the report and conclude that the findings are fair and reasonable in these circumstances, I am afraid therefore that our complaints proceedure has now been exhausted.

I hope that you find the enclosed information regarding The Finance and Leasing Associiation (FLA) to be helpful, If you wish to have your complaint independently reviewed by the FLA you will need to contact them within 6 months of the date of this letter, For the purposes of the FLA, you may consider this letter and its attachments to be our "Final Responce" to your complaint.

Yours Sincerely

Wilma Thomson
Customer Relations Manager

_________________________ ___

Now Attchements attached apart from the FLA information

Question

With Clydesdale being based in Scotland and I am in England, Is it possible to claim via Moneyclaim

All help is appreciated

alanfromderby · 30th May 2006, 17:03

Quote:

Originally Posted by Sophie-Jane

Question

With Clydesdale being based in Scotland and I am in England, Is it possible to claim via Moneyclaim

All help is appreciated

If you lived in England at the time the contract was signed then you can claim through the English court system. The easiest way would be through any local branch.

Sophie-Jane · 30th May 2006, 17:16

Quote:

Originally Posted by alanfromderby

If you lived in England at the time the contract was signed then you can claim through the English court system. The easiest way would be through any local branch.

Hi again Alan

Would that be thru similar process the small claims court or the main court systems

I suppose they are just trying to throw me off the path to conclude that its not worth the fight, well they may have thought so

alanfromderby · 30th May 2006, 17:35

If the contract is signed in England then you are entitled to put the claim through the English County Court system, or moneyclaim. However, you will need to address the claim to their English Head Office:

Clydesdale Financial Services Ltd
1 Churchill Place
London
E14 5HP

Sophie-Jane · 30th May 2006, 20:45

HI Alan

Many thanks for the address, Moneyclaim is now started

Sophie-Jane · 7th June 2006, 14:33

Today 7th June 2006

Received the "Notice that Acknowledgement of Service has been Filed"

Defence Solicitors

BARCLAYS BANK ????????

Litigation and Disputes
Level 29
One Churchill Place
London
E14 5HP

Being defended by Nicholas Hartigan, who is a Trainee Solicitor, seems he wants a good start to his career - LOL

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