george mcm vs Clydesdale bank

[Bigmac versus]

Piggy bank that would be just the thing after all the hard work to fall at the final hurdles eh.

[caro]

I see that YB paid Mollyhannah back over 6 years without too much trouble, although she accepted it without interest.

[shauna63]

Hi George, Im new to the forum, I have read through your posts and this has given me some insight on the Clydesdale bank.
I too have received the initial letter from them Quoting "they dont have to provide proof of manual intervention under the Data Protection Act but will provide all statements required".
I wish you all the best and will watch forum for your progress.

[Bigmac versus]

Hi Shauna and good luck to you, be patient, read up, follow the proven routes and you will get there in the end. got a settlement offer today including the contractual interest at 29.25% but not the court costs, how their minds work puzzles me. £39 court costs arent much in relation to the claim but its the principle aint it?

[Piggy bank]

That's a first result george! I take it this was just for the money claimed in the case and not the full amount of the £3k+?

They offered the same to me as well: claim plus interest but without the costs. I rejected the offer, after which I was offered the full amount including costs, following the prelim hearing. Up to you whether you want to leave it at that really.

[caro]

Good offer George but I don't understand how their minds work either. They'll pay my court costs but not the interest. Although that is Yorkshire, not strictly Clydesdale, but Clydesdale legal bods. You can never predict what they'll do.

And yes George it is the principle. I understand why people are settling for less than full claims, but it doesn't help the rest of us who hold out, and those claiming in the future. I find it quite frustrating.

[Bigmac versus]

Yes Piggy bank it was for that claim only, but if they pay once would they have to pay the rest of my claim the same, with cont int, just a thought. Yes Caro it only gives them the encouragement to continue down this road, the thing is if no one accepted without costs they would never offer it, thats never going to happen. But as Piggy bank already said you could wait till after the prelim hearing and if you have multiple claims it could take a hell of a time to get it all back. Deep thoughts required here due to the contractual interest being included in my offer, think i will accept the first one without the costs so as i have a settlement with the contractual interest for future claims, hate losing the £39 but will after settling this one settle for no less than the full claim plus costs.

[caro]

For 39.00 when you are getting contractual interest I think that's reasonable. I was forgetting the costs are lower but the interest rate more than makes up for it. How many times are you going to have to do this George?

[Bigmac versus]

if get contractual prob 9, without 5,6.
Cheer me up why dont you! lol.

[caro]

Only another 5 years and you've cracked it then! PMSL
But hold on, by then it will be so much more interest it will probably be another 5 years.

[Bigmac versus]

I know pmsl always said this looked like a good retirement fund even though ive got 30 yrs to go, was wondering IF u sent another prelim and lba to them would they have the cheek to reply in the same manner as they did the first time knowing that you have already had a settlement.

[caro]

I'm sure they would. I think Robertxc has said you don't need to send another prelim, just an LBA. Presumably it's because you already told them the total amount you will be claiming so can go straight to LBA. That saves a bit of time.

[Bigmac versus]

Thx Caro, have accepted that offer and will wait till actually get it before sending lba again, hope to have 2nd sent before xmas, THIS YEAR,lol.

[Bigmac versus]

UNBELIEVABLE, this shower are so incompetant, today i received a letter from them and inside it was someone elses BANKBOOK with sort code, name, account no, etc etc and £34 thousand pounds, IDENTITY THEFT is on the increase and this mob dont help, phoned them at 11am they took my number and said they would phone back, at 3pm i phoned the scottish Sun who took the details and phoned them for any comments, after that converstaion the Clydesdale Bank did phone me and asked if i could send it to them via mail. Shocking the actions that this bank take.

[Bigmac versus]

Quick update will be in next weeks Sun newspaper, Clydesdale bank will not like it, lol, see if i can get The Consumer Action Group mentioned in the report.

[Thailand]

Great stuff george, look forward to reading it.